the only answer that I always get from the lawyer was : Reply from bank, lhdn and developer is not within our control.

hi,may I know what kind of work I need to do from myside beside folo up frequently with my lawyer>?

not sure if this is the right place to ask but here goes

generally speaking how long does it take for a piling process to finish? the said project is a 40 floor condo.

i signed a snp about 1 year ago so far from what i see there are still doing the underground work.. just curious is this the normal pace of a construction phase

Thanks for opening this topic!

I look at properties on iProperty and they provide estimated capital growth and rental yield. I noticed some have negative capital growth. How important is capital growth if I planning for own stay? Thank you

I see. When I visited it looks quite ok or maybe I not yet see all the problems that caused price to drop. Could be because is old condo but no strata title yet. I think the other residents and the way is maintained is good but if price continues to drop, don't know if they will keep it up 

My loan approved for a subsale purchase, signed SPA and Loan Agreement already. How long before I can get the keys to the place? My law firm told me need 3 months from after SPA stamping? I thought that's pretty long, considering everything already signed...

Hi all, I would like to seek some advice regarding public tender houses with registered caveat.
Am I eligible to apply loan upon successful bidding?

Ok thank you for the info. Currently the house has been foreclosure sale auctioned by bank, but I can see from the POS there is a registra caveat lodged.
If that is the case high chances that I could not apply loan and make full payment hence my bank draft 10% deposit will be forfeited by bank.

hi. i don't have any house, but i am planning to get one.  however I'm a bit scared to get into commitment due to nature of work. I'm not a salary man, I'm a commission man. right now, on average my commission is around 13k per month. already 1 year like this however i do not know how long this will sustain. do i need to wait  1or 2 more years saving more money before i get a house? with current commission, i can buy a terrace house or semi d already but i don't want to be overconfident. please advise. thanks.

Hi, I'm thinking of whether to buy directly from a developer or to engage a REN from IQI (probably the only known agency available at my place).

1. What are the pros and cons?
2. How much commission do I need to pay the agent and when?

I'm planning to buy my first property but I can't decide whether I should buy it for investment or own stay.
Let's say I buy my first property for investment and use to collect rent, 3 years down I decide to buy another one for my own stay, how would that affect my loan chances?

Hi, total noob in property here,
when buying a condominium,
does leasehold vs freehold make a difference?

and after paying booking for a unit, until what time frame we can still change a unit (say to a different floor), e.g: before signing SNP / before stamping.

Am interested in buying a new condo being built as part of redevelopment of an existing building. Any idea how the schedule payment will be like ofr this type of development?

As building already there, does it mean will probably need ~50% of payment and loan to be serviced once SPA signed?

Sorry, should be more specific, the old building is not demolished, i think they will only redo the facade, internal electrical n plumbing plus some wall adjustment.

Anyone of you ever heard news saying that there is some chances that Bank Negara Malaysia will review the current Margin of Finance (MoF) for mortgage?

I heard from 2 property sifus mentioning about that. Could be due to the high household debt that link to this decision.

Just want to ask if any of you come across this statement? Anyway, its not confirmed but I just ask since I heard of it.

Hello all,

Would like to hear from your advise, the S&P signed and should be executed within 90 days, but the implementation of FMCO making the transfer not possible.

In case if the FMCO keep extending, am I legally have to pay the interest once it past 90 days? or there is some clause for buyer to exclude from this..

Hi sifus, i need some advice on home loan refinancing. Here's the situation:

1) Plan to refinance a fully paid property (market rate around 850K). I can only get 70% max (595K).

2) With 595K, i would like to get a bigger unit in the same condo i m staying (priced @ 680K), max 70% loan (DP need 204K).

3) Balance of (595K-204K) 391K, should I: (A) dump 391K into my other home loans (I got existing 4 home loans) or (B) put 120K EPF self contribution & balance 271K into other home loans?

4) I have several home loans so should I put some amount to all home loans to reduce interest or settle 1 of the home loans and then put the balance into the rest of the home loans?

Thanks in advance for your advice!

you means put more on DP for the new property?

Actually, if i refinance 70% (house 1) then with the cash payout I settle one of my home loan (house 2), can i borrow my 3rd property (house 3) with 10% DP?