hi everyone, glad to be here with you.
i really appreciate the  the neat information given. Fyi, l bought phase 1 unit. last month, i had to fork out RM390 for the water n electricity registration. so i went to all the way to leadmont office to settle the fee and sign the form. i was quite stunned when informed about the progress was only 20%! just curious, is this a normal procedure coz it doesnt make any sense.

around 4K.....
OCBC offers 2 loan packages......one is Zero Moving Cost with Interest BLR-1.75% while the other is Non-Zero Moving Cost with Interest BLR-1.85%.......

The Loan Amount U borrow still the same for either package (My Opinion only...ask someone to verify)
The only different is the percentage of interest......Bank charges U the loan agreement fee so called lawyer fee .....kua.....by imposed a higher percentage (BLR-1.75%) from there, they gain back the lawyer fee + % for such fee.....If U want to pay the lawyer fee by urself, of course they cannot gain from u bcos Ur interest rate is lower (BLR-1.85%)

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Added on November 16, 2007, 7:45 pm
Ur package is likely to be Zero Moving Cost......
Ur loan interest is BLR-1.75% for the rest of the years???

My Loan Package is BLR-1.5% (1-3), BLR-1.75% (4-36)......
Yes...My repayment period is extended to 36 years....bcos i applied for graduate loan....
But of course I will pay higher amount to the bank for installment, I applied for 36 years just in case....If anything unforseen thing happened, I need not to struggle for huge amount of money to pay for the housing loan....

Most of the loan package is 30 years....U R right.....
OCBC did offer loan package so called "Graduate Loan".....
My OCBC bank loan "runner" told me initially....it can be extended to 40 years...
However, ended up it can only be extended to 36 years....
I think it might be like that.....65 years (Max) - 29 (My age) = 36 years
I think also....40 years should be achieveable if U R 25 years old at the time U apply housing loan and U R a degree graduate....but anyway, U have to check with OCBC.....This is my assumption only...kindly verify Yaaaaa...

I submitted all the documents like usual (photocopies of 3 months consecutive salary slips, bank passbook to prove that U got income in and tally with the salary slip, IC) and also my degree certificate to apply for the graduate loan package....It has been approved recently...

I buy also the life insurance to act as the guarantee for the OCBC. Some ppl can pay for the MRTA (A fix lump sum - only paid once about RM7K) and not the life insurance.......But, I prefer life insurance bcos I dun have any personal insurance yet....just buy one for safe......Life insurance's premium can be paid thru auto debit from credit card or bank account.

My Life insurance is by HLA....Amount insured is RM160K (approximately RM1500 per year)......in case accident / unable to work due to health problem / total permanent disable, the insurance company pay back only RM160K.....or in case of u died due to accident they pay U RM320K (Double the sum insured)......The weak point of this insurance package is the premium that U paid has not interest over the time but cheap for the premium....RM126 per month for my case.....U can check with ur insurance agent whether the life insurance or whatever insurance that u buy can be use as a guarantee for the bank in approving ur loan application.

I am owner of Amansiara Phase 3 . Received a OPTIONAL ELECTRICAL PACKAGE letter from Leadmont with contract cost of RM1,805.Additional Lighting Point (5) , Ceiling Fan Point (4) , 13A Socket Outlet (4) , 15A Socket Outlet For A/C Unit (3) , 15A Water Heater Point (1) and 16A/20A SPN MCB (1). Total additional 18 points. I think it is OK.
I am purchase Lot 232 , level 4 ( Near Tangki Air ) . Very worry about High Tension are too close . Any advise from guys?

The Leadmont sales ppl said that the piling will be started on October 2007 for Phase 3 . But , now is already coming
December...Not yet receive any letter from Leadmont for piling progress..Is it already delay or project is going slow?

Hi , Johnsl . As my one , I get the optional electrical package letter after one month time I sign the SPA. How much you purchase for the Phase 3 , Level 1 , Lot 230 ? I puchased Lot 232 , Level 4 is RM189,880.

I am signed at show house there . It is more convenient to me due to I lived at Kepong.

You get approval loan from OCBC bank?

u seem to be very fascinated by the guard house's design!!! 

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Added on December 10, 2007, 6:20 pm
Can anybody advise me how long they need to get S&P agreement stamped?

oic... better to liaise with the law firm directly.  1st inform and 2nd you reconfirm a day before.  i went to the site on sat and signed the snp but can't really remember how many days she told me --- hehehe! txs for the info!

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Added on December 11, 2007, 7:57 pm   To those who took OCBC bank, pls refer to clause 5.3 (pls refer to the excerpt below)

[Notwithstanding anything contained in these terms, any monies withdrawn from the Employee Provident Fund for the payment of the Term Loan shall be deemed as prepayment and not Capital Prepayment and shall not be available for redrawing.]

Are you guys okay with this? I'm disputing this clause because of the reason one would want to take out money from EPF is to pay the capital sum as much as he can, it wouldnt make any difference IF it goes to prepayment.

Tis is wat i understand from the term "Prepayment'---- say your monthly installment is RM900.  You dump in 10k in your account, for the next 10 months, the bank will automatically deduct 900 fm yr account. Whereas "Capital Prepayment" is wen u bank in that 10K it goes to the capital - i believe the monthly installment will be reduced since you're paying up the capital. According to the agent, we can withdraw our money from EPF and choose if we want it to go to prepayment or capital payment but the Letter offer says it should only go to prepayment. 

Johnsl - can you elaborate more on the advance payment.

FYI - my agent is now liasing with their legal department to see if they can change or amend.

Thanks alanyuppie! That is great. Nice to hear that

Heard from the agent that Phase III is still in a very initial stage of development. Last week I call the agent and they told me that it is just the "tolak tanah" stage.

Also yesterday, I went to their office and they confirmed it. Very early stages, and the completion dateline is still end of 2009.

Hi John, is this regarding Phase III? I haven't received any letter from them. I went to their office last Tuesday and they told me there is no update yet on the unit.

Yours is Level 1 right? Any other owners of Phase III who have received the progress update letter?

Who else haven't received it yet? Just for "bancian" only 

My one is lot 232 level 4 ( phase III ) , I think same row with u. I m not yet receive the letter ( 10 % progress of piling competing ) from developer . But , is it the letter that send to u by developer is Pos Registered Letter? . Because I have received a red noticed card from posman informed that there is a Pos Registered Letter for me since I m not at home . I will collect the letter another few days.

please advise

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Added on February 13, 2008, 10:46 pmMy one Lot 232-D Level 4 ( Phase III ) just received progress billing from Wirama Sdn. Bhd about Foundation / Piling Works completed , have to pay another 10%........yeah!!!
May I know is the cheque pay to " WIRAMA SDN. BHD. " ?

Hi amansiarers,

Its been a while I have not participate in this forum. Anyway,I have a question to ask to amansiarers who are currently paying their monthly repayment.

My bank is OCBC and the lawyer had just contacted me last 2 weeks to get my original S&P for the bank to release the $$ to developer.

May I know how long would it takes for me to start my first repayment?

I did asked the clerks of Thean & co, they cant answer that! That's why i need a kind reply from any of you all. 

thanks in advance!

Hello everybody........ the Forum has been very quite lately. 

Any news for Phase III anyone.  I did not receive any bank statement so far?

Oh ya, just to share with you.  I went to view Sin Heap Lee's (SHL) project in Bandar Sungai Long last weekend.  The cheapest unit is selling at 216K, 18X65......can park two cars side by side in front the house and fully tiles.  It's the brick house (English style) Just for you infor lah, if your friends looking for house, you guys can suggest.... but having said that, the area is too clustered lah... tooooo many houses.

Still prefer Aman Siara lah.... hehehe!

Also, anybody familiar with Selayang area.  Am planning to move in somewhere Aman Siara this Nov, if Phase I ready by them, maybe rent from PhI until PhIII is ready lah... ;o)

NEWS TODAY ---> Selangor to review hillslope projects
All hillslope development projects in Selangor will be reviewed, said its Menteri Besar Tan Sri Khalid Ibrahim yesterday.  Speaking to reporters after chairing the first state executive council meeting, he said exco member Ronnie Liu, who is in charge of local government, has been tasked with finding ways to resolve the problem of hillslope projects.

http://www.theedgedaily.com/cms/content.js...8f1fa0-9a09a99b

I will be making next visit to the site tomorrow.  Hope to see more progress.  For those of you intending to go over please be careful as there is a gaping poth hole somewhere along the middle and best if you use a taller vehicle or a 4wd to go there.

If I manage to get some good pics I will let you guys know then for thos who want to see pics of (nothing much to see :-)) could give me your e-mail add and i will send it over.

Have a good weekend Y'oll.

Sidviq

Hello Everyone,

I am travelling now and will be back on monday and promise to upload and send the pics then.

Have a great weekend.

Tks.

Sidviq

Hi Guys,

Any idea where we can check was there going to be a flyover access from Aman Siara to town?  Or advises which department shall we start with? JKR?

Thank you...

i think dat will be permanent. oh God!!

any update for phase 111?now i'm paying interest around Rm1++. others?

Hi Everybody,

Just got to know about this forum from one of my friend which also bought a unit at phase 1. Of course we are 1 of the owner at phase 1 level 3 (end lot).

Would like to join this big family for any info/idea sharing from now on.

We've received the 2g progress billing (drain work) some where end of July, the next will be road work and vacant possession (which is the happy day for us... ) 

Is anybody realize that the layout for the end lot is different from others where the kithen is joint with dining area (normal layout is living area joint with dining area). In other words, once you enter yr house , the kicthen will be at yr left hand side while it will be on yr right hand side for end lot (Im not sure abt phase 2 and 3)? In fact we are scratching our heads on how to work out the interior design to make our house looks more spacious. You're welcome to share yr idea if you dun mind.

The other issue is the committed flyover by the developer. So far, phase 1 going to complete estimated end of 2008 or early 2009. I've visited the site 2 weeks ago and no indication on the flyover construction at all. The only things we can see is they have establish a "NICE" U turn at the main road toward to Rawang. Will this be the permanent replacement plan for the developer?

For those having concern on the common facilities that is not stated in the SPA, a friend of mine told me that we could take legal action on the developer base on their broucher/advertisement during sales launch. There is a success case before. That's why i keep all the broucher with me. But what to worry? We sure have numbers of professional neighbours around us for any advices.

I'll try to bring in more members to this forum and hope that we can setup a strong commitee whenever any major decision need to be discussed and make.

That's all for this time.

Thks and brgds.

hi to all amansiara owners,

I been succesfully entered to the phase 1 unit (Level 1) to have a look today and took some pic for the house interior & the fittings.Here is some of my comments :-

1) i dunno wheter u all been informed by the sale rep saying that the tiles for phase 1 will be using 2"x2" or 1 1/2" x 1 1/2"not?b'cos i noticed the actual size used is only 1"x1"
2) the height of the bathroom is very low as what i noticed.the actual bathroom size is very small.
3) as i not enough time to do some proper measurement on the actual size of the units, but i found out the size of the unit is still smaller compare to the sample house units.Even been informed by sale rep the size of the L1 is going bigger than ground floor unit.
4) for the level 1 owners, the L shape at the behind of the unit is still using the teribble and ugly railing which they used for many place as what we noticed before in the pic earlier on.
5) i also noticed only 1 guard house been built up so far,as i know there will be two guard house which one is the main entrance for phase 1,2 & 3 and another is for owners at last row of the phase 1.however is still didn't see any building similar like guardhouse for those lots...coz im lot 161B owner, so i more concern abt my row....[attachmentid=612749][attachmentid=612750][attachmentid=612751][attachmentid=612752][attachmentid=612753][attachmentid=612754][attachmentid=612755][attachmentid=612756][attachmentid=612758][attachmentid=612759][attachmentid=612760][attachmentid=612762][attachmentid=612763][attachmentid=612764][attachmentid=612766][attachmentid=612767][attachmentid=612768][attachmentid=612769]