Tis on definitely can.

Air dan api more critical. No one can live in an apartment without these

Water bill....tenant pays
Maintenance fee....landlord pays

So easier fior landlord ask mght to cancer parking card and lift access.

But we also talked abt previous owner of a lelong popety
If he still in the house despite unit being lelong.

there are 12 virgins at southvilles…..

Any shortfall due to lelong and etc....owner still need to fill the black hole of the loan.

If owner is unable to do so, bank will file for bankrupcy proceeding.

If successful owner is techinically still OWNING THIS DEBT TIL HE GOES TO GRAVE unless he pays it off during his life time.

Needless to say....he wont be able to obtain any forn of credit from finance institution.


Thast why our loan shark biz is still doing great

1st lelong price is market value deemed fit to list.

And trend down 10% every month.

Not everybody obtained ltv 90.

Most ltv 70. Some even ltv55.

Unless lelong price started from 55% below spa price....

instalment is called ansuran in Bahasa?

why dont the bank make it a sop to offer advise to home buyer for alternative solution behind putting up the property for auction?

he didn't own the house in the 1st place although he thought he did.

not which bank....

owner is from UMNO which branch.....

bank's only interest is the outstanding loan and the physicality of the house.

what inside the house is none of their business and they don't care, even thought am sure they know if the owner or tenant is still in the house, the value will be lower.

but bank also dun care bcos they can still chase after the money owed by owner after the property is lelong.

you are wrong icey

I believe both banker and borrower/owner already made many times, cried til tears dry many round, turning table and use bad languages to one and other many times before the unit is put on auction.

unless borrower just ignore all correspondences from banker, typically if borrowers are runners or based overseas or foreign buyers.

your explanation is greatly departure from your early statement....that banker doesn't want to face the borroower.

restructure two times don't have to face the borrower? in person? everything done thru wassup face time and email?

bank never evict occupants lah……

discretion never comes in play.

have you ever seen bank halau occupants like a dog on to the street and pad locked the unit?

This post has been edited by BEANCOUNTER: Dec 23 2018, 08:42 AM

they only interested in the loan sum.


if they really want to achieve highest bidder and make full recovery of loan sum, they would have recruited make over guy to done up the house leng leng, invite public review before go on auction.


however, if they do so, meaning all the borrowers already no need to care abt rental yields and cap gain jor…..just pass on the bank and they will kaotim.

This post has been edited by BEANCOUNTER: Dec 23 2018, 08:57 AM

this icy fella, when she made a mistake, she would rather keep quiet one....never ONCE I read a statement from her that said 'sorry I have made a mistake'.

instead she will pusing pusing story until everyone kepala pening and then she claimed victorious.

I also malas nak discuss further....with her.....


but i gave this to her....not many female forumers that engage discussion with majority male forumers here. it takes knowledge and gut, even thought in cyber world we should be seeing each person as asexual, not male or female.


This post has been edited by BEANCOUNTER: Dec 23 2018, 01:31 PM

Sure got cash rebate wan...

one year ago parklane prices already dropped so much jor..

from the bricks report, obviously some hand and leg had been made to buy at 500k.

rm150k for chicken cage (as the lady said...haha)..

far too overpriced...….

Gov banned dibs in 2013.

Bull run didnt run til 2014. It was started in 2010 and end around 2012.

I prefer to look at my subsale properties.
2014 15 already on the down trend....no longer bbb....from subsale buyers..
The peak of bull run was btw 2010 to 2012 when we talked abt subsale.

Those bought off plan in 2012 will be doing it tough when vped.

This post has been edited by BEANCOUNTER: Jan 13 2019, 10:50 PM

One local bank already offered 5% for 3 months placement.