So the key handover will be on january. I got all the basic needs like tv, washing machine, beds. Tapi rumah ni kosong sangat. Only got 20k cash in hand. Will there be renovation loand or i have to go for personal loan?

If u need to borrow to do things perhaps you should reconsider whether it was within your means or not.

20k should be enough for fixtures and fittings.

Not a wise decision. reno the essentials first add grill n alarm. Other can be done later incrementally

where? sendayan?

no

Personal loan je.. rate 2.3% now..

Kat ner nih bero

No need borrow, but the basic then save and buy

lol loan for renovation? maybe you should reconsider buying the house

Read tnc first la, usually low interrst for rich ppl only.

mostly i ask my fren,they say yes if amount is big.
but best try not to.

if u do part by part,its troublesome and cumbersome.

Really? What bank? Subjected to credit rating or how?

Renovate the parquet floor to tiles, add kitchen and home theater, change bathrooms toilet bowl add tiles, bedroom aircond

Those Govt Semi govt GLC MNC can get this rate.. no problem

just install lights, fans and aircons. grille & mosquito net if u need to.

Don't la bro later you buy all the expensive things no time to enjoy cause you need double job to pay for house and pl

U can take out from KWSP/EPF Acc 2

This post has been edited by yummymommy: Nov 8 2020, 11:22 AM

Gov servant boleh la low rate loan.. that is bullshit rate if u are not gov servant or tnumber people

IMHO, just install some grills, and some essentials.

20k should be more than enough. Can leave the balance for emergencies.