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 PPA1M General Discussion Thread, for civil servants to share n discuss.

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kuci_mayong
post Mar 17 2018, 09:12 AM

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QUOTE(Quang1819 @ Mar 11 2018, 11:44 AM)
PPA1M in DPC. How are those rich owners gonna accept this
*
Those units sure owned by rich people too via "connections"
W.ROOK
post Mar 17 2018, 10:11 AM

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QUOTE(300thecat @ Mar 17 2018, 08:17 AM)
Anyone got a response re Brickfields? It's past the application results deadline, yet status still showing 'Baru'.
*
Mine still shows "Baru" too.
Heard that there were 8K+ applicants and obviously the filtering panel will take longer than usual to vet through.
Priority is for first time home buyers and low wage earners.
nexona88
post Mar 17 2018, 12:03 PM

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QUOTE(W.ROOK @ Mar 17 2018, 10:11 AM)
Mine still shows "Baru" too.
Heard that there were 8K+ applicants and obviously the filtering panel will take longer than usual to vet through.
Priority is for first time home buyers and low wage earners.
*
Wow..
8k applicant is kinda huge numbers..

Well sure priority would be given to first timers but don't forget this is Malaysia.. Those with right connection would also get piece of the pie even they not qualify 😈

This post has been edited by nexona88: Mar 17 2018, 12:03 PM
propertyowner
post Mar 17 2018, 02:26 PM

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QUOTE(nexona88 @ Mar 17 2018, 12:03 PM)
Wow..
8k  applicant is kinda huge numbers..

Well sure priority would be given to first timers but don't forget this is Malaysia.. Those with right connection would also get piece of the pie even they not qualify 😈
*
Wow..
8x higher than PPA1M Sofiya..
nexona88
post Mar 17 2018, 06:19 PM

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QUOTE(propertyowner @ Mar 17 2018, 02:26 PM)
Wow..
8x higher than PPA1M Sofiya..
*
Really..
Then this must be new record tongue.gif
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post Mar 17 2018, 06:31 PM

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QUOTE(nexona88 @ Mar 17 2018, 06:19 PM)
Really..
Then this must be new record tongue.gif
*
maybe 8000 of them applied for the 90k one, then the rest can laugh all the way to the bank. lol
nexona88
post Mar 17 2018, 06:37 PM

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QUOTE(alexanderclz @ Mar 17 2018, 06:31 PM)
maybe 8000 of them applied for the 90k one, then the rest can laugh all the way to the bank. lol
*
Then the 90k one would be the most "issues" one..
I mean using "under table" & connection to get the units whistling.gif

AskarPerang
post Mar 17 2018, 06:50 PM

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For all you know, the highest chance to get it is the 90k units. Due to the cap in the pay. You need to be RM1500 and below to apply the 90k ones. And I doubt got many applicants out there who actually qualify that criteria.
AOL24
post Mar 18 2018, 07:40 AM

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Sofiya registration is closed already right?
nexona88
post Mar 18 2018, 08:07 AM

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Maybe those staff..
Like gred 11 one..
Their salary is kinda low 😑

They could be the one applied for 90k

This post has been edited by nexona88: Mar 18 2018, 08:07 AM
veron4best
post Mar 18 2018, 11:05 AM

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From this link,

https://www.thevocket.com/10-tip-untuk-penj...a-6-buah-rumah/

It means,

if 1st house commercial 90%,
2nd house commercial 90%,
3rd house lppsa 100%

if 1st house lppsa 100%
2nd house commercial 90%
3rd house commercial become 70%?

means LPPSA also take into account as LOAN quota?
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post Mar 18 2018, 11:29 AM

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QUOTE(veron4best @ Mar 18 2018, 11:05 AM)
From this link,

https://www.thevocket.com/10-tip-untuk-penj...a-6-buah-rumah/

It means,

if 1st house commercial 90%,
2nd house commercial 90%,
3rd house lppsa 100%

if 1st house lppsa 100%
2nd house commercial 90%
3rd house commercial become 70%?

means LPPSA also take into account as LOAN quota?
*
yes.
rastablank
post Mar 18 2018, 01:23 PM

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QUOTE(veron4best @ Mar 18 2018, 11:05 AM)
From this link,

https://www.thevocket.com/10-tip-untuk-penj...a-6-buah-rumah/

It means,

if 1st house commercial 90%,
2nd house commercial 90%,
3rd house lppsa 100%

if 1st house lppsa 100%
2nd house commercial 90%
3rd house commercial become 70%?

means LPPSA also take into account as LOAN quota?
*
Yes, that's why it's better to save LPPSA after maximizing LTV 90.
hairi82
post Mar 18 2018, 01:28 PM

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QUOTE(rastablank @ Mar 18 2018, 01:23 PM)
Yes, that's why it's better to save LPPSA after maximizing LTV 90.
*
Third house 70% only apply to residential loan with bank..exclude lppsa or commercial loan..misleading blog info..

This post has been edited by hairi82: Mar 18 2018, 01:32 PM
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post Mar 18 2018, 01:42 PM

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QUOTE(veron4best @ Mar 18 2018, 11:05 AM)
From this link,

https://www.thevocket.com/10-tip-untuk-penj...a-6-buah-rumah/

It means,

if 1st house commercial 90%,
2nd house commercial 90%,
3rd house lppsa 100%

if 1st house lppsa 100%
2nd house commercial 90%
3rd house commercial become 70%?

means LPPSA also take into account as LOAN quota?
*
QUOTE(hairi82 @ Mar 18 2018, 01:28 PM)
Third house 70% only apply to residential loan with bank..exclude lppsa or commercial loan..misleading blog info..
*
here as well. hello sir, read again properly. if your 1st loan is lppsa, 2nd loan is bank loan, 3rd loan with bank automatically 70% no? on the other hand, if 1st loan is bank loan, 2nd loan is bank loan, 3rd loan with bank will be 70%, but with lppsa is 100%. no ?

*i think veron4best means residential, cus you can't get commercial loan with lppsa. and don think you can get 90% with bank for commercial though.

This post has been edited by alexanderclz: Mar 18 2018, 01:44 PM
hairi82
post Mar 18 2018, 01:48 PM

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QUOTE(alexanderclz @ Mar 18 2018, 01:42 PM)
here as well. hello sir, read again properly. if your 1st loan is lppsa, 2nd loan is bank loan, 3rd loan with bank automatically 70% no? on the other hand, if 1st loan is bank loan, 2nd loan is bank loan, 3rd loan with bank will be 70%, but with lppsa is 100%. no ?

*i think veron4best means residential, cus you can't get commercial loan with lppsa. and don think you can get 90% with bank for commercial though.
*
Residential loan appear in ccris only count..lppsa not appear in ccris maa

This post has been edited by hairi82: Mar 18 2018, 01:49 PM
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post Mar 18 2018, 01:50 PM

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QUOTE(hairi82 @ Mar 18 2018, 01:48 PM)
Residential loan appear in ccris only count..lppsa not appear in ccris maa
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errr i think it does, correct me if im wrong. lppsa doesn't take into account of your ccris. but bank definitely will know any loans you have.
vrek
post Mar 18 2018, 02:40 PM

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Agree with @Alexanderclz .
When you apply for residential bank loan, they will see that you have LPPSA loan as it is also reflected under potongan gaji on your pay slip.
AskarPerang
post Mar 18 2018, 02:58 PM

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QUOTE(veron4best @ Mar 18 2018, 11:05 AM)
From this link,

https://www.thevocket.com/10-tip-untuk-penj...a-6-buah-rumah/

It means,

if 1st house commercial 90%,
2nd house commercial 90%,
3rd house lppsa 100%

if 1st house lppsa 100%
2nd house commercial 90%
3rd house commercial become 70%?

means LPPSA also take into account as LOAN quota?
*
No need to follow all those guru / sifu teaching. For all you know, you can only afford to own one and only one house. So by all mean, just use the LPPSA government loan.

Those sifu will let you know is a waste, sayang if you use LPPSA for first house.
Another reason they will mention is, later in your career, wait for few increment in your pay, can use LPPSA to buy much expensive house.
Ini semua mengarut punya statement. Ajaran sesat.
godlikexioo
post Mar 20 2018, 07:39 AM

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QUOTE(AskarPerang @ Mar 18 2018, 02:58 PM)
No need to follow all those guru / sifu teaching. For all you know, you can only afford to own one and only one house. So by all mean, just use the LPPSA government loan.

Those sifu will let you know is a waste, sayang if you use LPPSA for first house.
Another reason they will mention is, later in your career, wait for few increment in your pay, can use LPPSA to buy much expensive house.
Ini semua mengarut punya statement. Ajaran sesat.
*
Correct.

Don blame bank on not giving loan or not full loan. This is because bank hav a very good way to analyse whether u are able to pay back. Don always listing to those "guru", bank will finance u if u are financial strong and able to pay bank.

Lesson is buy according to ur financial, those 'guru' Just share good on them, those lost and suffer they never tell. Forget those 'guru'.

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