Interest rate is depend on client profile and scoring. Alliance also can offer less than 3%, subject loan approval. Sometimes also not depend on interest rate, client may choose their prefer bank.

subject scoring one. mean mine is borderline to them. that's y 3.45% @ 80%

actually to me is not much different, since is a daily rest interest.

I was told
3.45% without any insurance.
3.25% with mlta or mrta.

then I go for without insurance, who knows is 3.45% + mlta. then i am not shiok ad. definitely is misguiding me what.

also, although u take the mlta and lapse it next year, the banker has the right to raise the interest rate to 0.1%, that's means is 3.55 + the coming future will be back to normal BR.

To me, a trade must be done within both willing, now I feel that I kena misled. so I plan to terminate all, see how much they charge for the admin fees.

also, I apply for a loan at the wrong timing ( pay cut ). August and September are back to the normal pay.

Maybe resubmit the loan in October or November can get a higher margin and better rate.

yea, bro you are correct. at that moment my profile is borderline to them.

bro, is a very subjective one, good financial profile then no need see lo.

Yup, nowadays bank is running scoring system. The scoring will determine the interest rate and margin of finance, for this project is 85 to 90%, subject system scoring and approval.

Yes. 80% still within my expectation n budget. Just xsuka cakap A but come out is B.

Still waiting the mortgage agent's explanation, if not what I want then bayar only penalty. And resubmit loan on October or November. I confident can get better rate and higher margin.

haha, she said 3.45% no MLTA, yea she didn't mislead. But need to buy sun life insurance.

if buy liao then she will try to appeal for 3.25%( not guarantee).


can refer here.
https://www.cimb.com.my/content/dam/cimb/pe...r-i-pds-eng.pdf

Approved. 95% of nett price @ 2.90% from hlb.

Keke.

Mine approved too, 2.9% from MB Islamic.
Just signed SPA, but not allowed in sales gallery.

Still pending payment for loan stamp duty and disbursement fees.
Anyone knows loan stamp duty claim process from LHDN?

After signing SPA, they will ask you to pay remaining booking fee and let you sign a HOC campaign form. Then, you also need to pay for loan disbursement fee. So, far they didn't collect any payment for stamp duty for SPA and Loan Agreement.

Does your 2.90% offer by HLBB need to include MRTA/MLTA?

No need. Subject ur profile kot. Mine is mortgage loan saje. No mlta/tt n mrta/tt.

Profile kuat ni haha

Hi everyone, just got my loan approve n will be signing SPA very soon.. excited about the future n hopefully it will be a good neighborhood..

Welcome. Mine baru 9dim today.

Congrats all, looks like we gonna be future neighbours perhaps haha.
Any updates on latest progress at the site?

Hi guys, could you share why you are considering this Project?

Feel free to share.. Especially those who have confirmed their purchase of this project.

For me I like the forest hill environment.
Secondly low density highrise r hard to come by now a days (maybe I didn't research enough n not aware of there r others)
Thirdly developer r well known n offer price quite reasonable.
For location wise although is not near to KL but having some greenery n low density can make up for it I think

1. You are highest in that taman/area ( opposite school there got one more Bukit, no one know what will be there in future, also is quite far from Mutiara site.)
Puchong Hartamas / bukit puchong are different cerita n area.

2. Low density, 496 units on 8Acres land. ( if not mistaken )

3. Malton.

4. Environment greenery, peace, and surrounded most are residential.

5. niche market = good value / no value. ( should be very susah dpt cari highrise over that area or you are first highrise.) ** Low Cost xkira **

6. APDL price is 650k to 1.2mil, now selling 500k to 800k only. Expecting Tower C launch price 15% to 25% higher compare to A n B.
( Market recovering, most ppl xsuka too crownded place liao after this pandemic. )

7. inflation getting serious than before, have to buy some commodities/property to defense sikit. ( if u dont need property, then grab some gold. )

8. best Fengshui is Tower C ( facing North ), 2nd is Tower A ( facing south )

9. suka then hoot lo.

lorry in in out out lo.. like usual. hahaha. few months ini macam liao.

land clearing works should done, and piling soon gua.

if ur mata strong enough,

u can see the site status from taman puchong utama aeonbig, or batu 14 flyover bridge. also, can drive into Taman Orang Asli look see look see de.