QUOTE(BEANCOUNTER @ Sep 4 2016, 02:52 PM)
you need to find out from SA if the 10k refundable:-
1. no question ask. they just refund in full or
2. need to provide loan rejection letter(s) baru refund
if you unsure...get them to give you in black and white.
also good to ask if the discount 5% off 1st 10% down payment or they will split it.
also ask if the discount net of SPA price or gross of SPA price.
also need to know after you have secure the loan agreement, make sure you are definitely proceed with purchase otherwise there is penalty clause......if you decided to rescind the signed offer letter. usually the lawyer will get you to sign the spa and loan agreement same time.
at time of signing SPA, you need to pay the 10% minus 10k booking fee and discount. if EW pau legal fee spa fee and loan agreement fee....otherwise you need to know what hidden cost you need to pay. MOT usually not free under developer for lishold projects.
For the loan, of course it will be insured right? Its call MRTT/MRTA. my question:
1.how much will be? Does it work like some percentage from the SPA price?
2. After got the figure xxx (question no.1), can it be lump into the loan? And per ur observation, normally people will lump it into the loan or pay separately to reduce the monthly installment?
3. After recently changing of the BLR rates news coming out, whats the best/cheapest interest to fight for Graham price range? 4.4%? Or <4.4%? Or >4.4%?
4. Any bank u've heard offer the cheapest so far?
Tq