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This post has been edited by diners: Jul 7 2019, 03:10 PM
Emerald Hills Alam Damai Cheras, Garden Terraces & Lakefront Condos
Emerald Hills Alam Damai Cheras, Garden Terraces & Lakefront Condos
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May 11 2019, 10:39 PM
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#1
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--edit
This post has been edited by diners: Jul 7 2019, 03:10 PM |
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May 14 2019, 09:30 AM
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#2
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QUOTE(khieni @ May 14 2019, 08:29 AM) Here are my surveys on bank loan after my booking... thanks, it is helpful cause i am also in this stage. mind to share your ELR the bank approved what %? Initially I was to have semi flexi, so I submitted doc to ocbc, MBB, RHB, HLB, PBB... But UOB banker not bother to answer my request... Paiseh... Then I have changed mind to go for full flexi... Then I found out there is no exact full flexi features that our banks can provide... 1)OCBC no full flexi 2)MBB have to pay fixed principal monthly... I simulated and found out the chargable interest amount is more than the normal fixed monthly instalment 3) PBB got 70% capping... How to cap I didn't ask in details... RM400 for setup and processing fee 4) HLB got capping 70%...Your extra cash cannot more than the principal balance, else not counted... Example if your balance principal got RM500k, you can pump in RM400k to offset interest but bank only consider rm350k 5) CIMB got Rm40 monthly utilisation fee... Meaning if your extra cash for offset interest is more than 30% of your principal balance... Then bank will charge you this cost... 6) RHB multiple of rm1k... Meaning if you pump in rm1500 to offset interest, only rm1000 is counted... If rm4679, only rm4000 is considered.... And during this process, I learnt to request Product Disclosure Sheet PDS from banker.... If you already filter out which bank to go for, you can request for a draft LO and bank T&C for further reading.... Don't sign any LO before you reading it.... The banker may interpret differently... Hope it helps to minimise a little time when you talk to your bankers later... |
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May 14 2019, 08:14 PM
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#3
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May 19 2019, 10:15 PM
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#4
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i really hope the trees are still there after vp. just worried will be like cloudtree - brochure have full of them, but in real almost half gone.
This post has been edited by diners: May 19 2019, 10:16 PM |
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May 23 2019, 11:07 AM
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#5
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May 23 2019, 11:08 AM
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#6
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May 23 2019, 12:42 PM
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#7
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QUOTE(kennethkee93 @ May 23 2019, 12:09 PM) Since block C & D has more unit per block compared to A & B, they do not have store room at parking level and will used for parking lots. At podium level of Block C & D will have aquatic gym and pool. This is the only info I have from another agent in the gallery, he never talked about changes to unit layout though. But also made me wonder, 2022 VP but now still haven’t sell c and D. Sempatkah? |
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May 23 2019, 04:13 PM
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#8
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May 23 2019, 04:17 PM
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#9
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May 23 2019, 04:23 PM
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#10
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May 24 2019, 02:31 PM
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#11
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May 24 2019, 06:38 PM
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#12
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QUOTE(aaron1717 @ May 24 2019, 06:22 PM) faster completion only save more interest in absolute amount bro... mana ada slow2 disbursement... later they claim til stage 2(b) already and never move... u will be paying that small amount of interest like forever eventually it became more expensive in total... I just hope they can VP by Jun2022 so my progressive interest Budget won’t run too far/as budgeted 😂 |
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May 25 2019, 11:37 AM
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#13
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May 26 2019, 10:37 PM
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#14
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May 27 2019, 05:13 PM
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#15
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QUOTE(DesRed @ May 27 2019, 05:01 PM) Can say the same for pretty much a lot of Whatsapp group that I ended up being 'dragged' into. couldn't agree much.In the end, I just put them on mute and ignore the groups entirely. previous my other house, before VP they can all discuss the tiles of the corridor for 2 whole months. after VP, they can discuss which grill to install for almost 4 months but sometimes got really important information inside also lah... like VP letter already sent i x sampai2 my house cause MIA |
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May 27 2019, 10:50 PM
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#16
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QUOTE(BEANCOUNTER @ May 27 2019, 09:36 PM) that is after vp. have to tally the nos of trees in the jungle trekking and also the amount of fishes in the lake if you join now, what you guys are going to talk about???? someone takes time off to measure the height of trees around club swimming pool and report back weekly? |
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May 29 2019, 09:03 PM
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#17
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Jun 3 2019, 03:09 PM
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#18
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Jun 3 2019, 07:55 PM
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#19
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QUOTE(vipervr @ Jun 3 2019, 07:28 PM) Looks like Google maps has been updated recently, now can see EH's terrace show houses too. i think they updated today gua? cuz ytd night i go see still the old one Google maps ![]() |
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Jun 5 2019, 09:20 AM
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#20
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