Hi guys,

want to ask does it really have to be that expensive i thought rm2k+- can settle liau, the lawyer fee price is from CIMB. Anybody got loan from that bank??

Why so expensive

*sigh*

another 3k+- poorer liau...

getting about 150k++ of loan

really??but 3k+- is really expensive is it a standard price, when i ask whether it's negotiable or not the bank fella like don't want to tell i think they want to jack up the price so they can earn also

damn biatch

*sigh*

waahhh lau...so expensive 1 arr, how much wor the house you beli 6K is freaking alot ler, the money can use for renovation liau

now i know why the lawyer is freaking rich

but because CIMB loan interest is very attractive ler..it's only 5.65% ler that's why i take that bank don't know still can change to other bank or not ler..the loan not yet approve lar..hmm what if approve liau, how ler??can cancel or not arr

1st time buying house ler...no experience haii~~

*sigh*

so many snake around , how much arrr your lawyer will charge??can ask for me boh can i take the loan but bring in my own lawyer arr well hope i still can walk out the bank if i do so hehehe

sorry for the late reply was busy with the housing thingy buying a house can be in such a pain

1. the lawyer fee is for the loan agreement the S&P no need to pay the fee

2. the house is new, still in development, will complete end of this year, the developer is vilamas sdn. bhd the project is call villa pavillion

sorry for the late reply also, yeah i'll give the banker a call to see if i'm allow to do so, else then no choice lar rm3k also have to pay lar..who ask me want to buy house

budget all plan nicely liau, only thing there is alot of thing that really need to have experience else you will be a headless chicken running around don't know what to do 1st

again, thanks alot for the explanation and opinion appreciate it

really damn dulan today..i'm suppose to go sign agreement with the banker for the home loan, then suddenly the interest rate was different from what i have been told before, then reading through the agreement i found that they have bundle with a insurance call GMTA not mRTA i was like WTF???then i screw the banker in front of everybody, well i doesn't want to but my appointment is at 12pm, she was late for 1 hour never even have the courtesy to call me and tell me that she is late and i haven't got my breakfast yet she let me wait so long, and wasted all my time for my work.

some more when she come with the agreement it's full of bullsh!t, ever heard of a bank that don't allow you to pay more not even rm1 for your loan..number 1 WTF!!! then i truely piss off...some more read through the agreement saw something other then MRTA which was not mention before, fine then i ask her, WTF is this money for she say is for insurance but if you don't want also can, then i lagi dulan, i shout at her don't you suppose to give me an option whether i want to bundle this shit or not before you come out this agreement? then she keep quiet, after that she say if you don't want we can remove that but you won't enjoy the zero interest for the 1st year, and you will be charge 0.01% then i told her, to screw with the whatsoever GMTA that you are offering, that 0.01% is nothing to me, but why the F*** i can't pay more for the installment if i got the extra money..

the service is so so so bad...never get loan from C**B bank..the banker SUX, but this is an experience that i get with C**B i'll not go to them again.

SO PPL STAY REALLY FAR AWAY FROM C**B if you are given a choice.

Now i have to look for other bank liau luckily i read through the agreement before i sign.

so please read what so every paper that you gonna sign...play safe, don't lazy..

i already sign my S&P with the developer, but not the loan agreement with the bank, i have consult some of the ppl from the bank they said i'm still ok to look for other bank, as long as i haven't sign any paper with the bank that approve my loan. so after this i'll look for other bank already i don't want to go with the C**B now, but this thursday i need to pay the 10% down payment because i have sign the S&P...

anybody got any banker to introduce arr??stupid C**B banker damn screw up everything...b@stard

bro thanks alot got your pm

i live at bukit jalil. puchong is not very far from me heheh, i'm going to give your friend a call

thanks alot

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Added on April 17, 2007, 11:44 amneed some advice on the loan guys, what do you all think?

should i go for the loan that lawyer fee absorb by the bank or should i go for lower interest rate but lawyer fee bare on my own..

how ler??

i check pbb the interested rate is:
1st 5 year - 1.10
6 years to 15th year - 1.25
15 to 30years - 1.35

but the the legal fee i have to bear

or UOB

Year 1 0% (Fixed)
Year 2 BLR - 1.25% (min 5.50%)
Year 3 - 5 BLR + 0%
Thereafter BLR - 1.00%

i have to bear the legal fee also.

This post has been edited by steven437: Apr 17 2007, 11:55 AM

CIMB rate is

1st year - 0%

2-8 years - 1.00%

9-30 years - 1.10

hmmm really don't know which 1 to go with, how ler any more opinion??