Its really extra 200k need to pay for the Lakeside view....
* TA salesman inform me b4

Ya I know... was there for the soft launch... i saw 90% of the booking all for the garden view units.. only 1 single unit of lake view was booked.

Receive call from 2 bankers, loan approved but is it normal I early early got say I only want to apply 70% if not 50% I also ok.

But they all say I get approved for 90% and give a lot of reasons ask me check for packages with developer etc say as I want Flexi loan it's better for me to take up 90%. I too busy so I just tell them whatever email me your offer I want to compare. Is it normal? Is it really better to take 90%? Lol this my first home I bought from developer. My previous homes all is subsale.

Take the 90%, make sure its some kind of flexi mortgage. Put in your excess funds into the mortgage to reduce principal. You hvae the flexibility of withdrawing the $$ for emergency or for Genting etc.

Same thing why I havent paid a cent of interest for my Cheria house until now... just pump any excess to the principal as the mortgage is being disbursed

👍👍👍👍

But if u put in deposit = amount disbursed, wouldn't the loan auto cancelled?? If deposit < amount disbursed, the loan will continue but with reduced interest... Thats what banker told me, nvr put in 100% of deposit into loan account else it will auto cancel and take that deposit as full loan settlement...

I think you misunderstood the context of the discussion.

Can consider 90% loan and dump extra cash in it to reduce interest amount...

But be cautious, would that extra loan amount reduce your DSR for next loan since you would have higher loan installment now, hence higher DSR...

If take flexi loan, i heard the loan rate is slight higher than semi flexi, and higher loan amount easier for banker to hit their quota too.. Maybe can nego to lower loan rate...

For my case they told me bank already approved 90%, but if i want lower margin, they will need to resubmit and reapprove.

But i believe mortage loan team got bonus if they exceeded certain amount per month. Of course they want to loan as much as possible.

For my case they told me bank already approved 90%, but if i want lower margin, they will need to resubmit and reapprove.

But i believe mortage loan team got bonus if they exceeded certain amount per month. Of course they want to loan as much as possible.

that view...more than 300K 😮

That view the nearest school/shopping complex/cinema etc would be 2 hrs away

signed SPA woohoo pretty hyped

Nice! Welcome to the neighnourhood which phase did you finally decide on?

dalia

Nice.

I absolutely love their Semi D layout/design... much more over the Cheria design

Congrats. Im waiting Elemen to launch.

Same here👋....

Guys... Elemen already launched, people already booked a month ago atleast..

It will be launching on November if not mistake....