Undercon period if you put $$ into the flexi account, the $$ cannot be withdrawn until the loan amount is full drawn down. This is true for RHB.

If I were you, so cash rich can cash buy, I would buy subsale project, why bother with rumawip?

Subsale benefit.. you can see how well the project is managed, can see who is your neighbor, and the vibes of the place. Not to mention can move in almost immediately.

First off, i would suggest you go YouTube and watch the local MY property reviews etc. it is information for you. You need more exposure, more information.

Second, as I've suggested, subsale makes more sense if your intention is for own stay due to reasons above.

Third, I would suggest dual key units, that way you can stay in the studio, or rent the studio out, thus subsidizing your instalments.

Forth, get a unit next to LRT/MRT, that way you can save on transit cost if you take the train, and it is also easier to rent out.

DO NOT put the cash into EPF, as you cannot take it out. Taking maximum loan for your housing under full flexi, and dumping that cash into the loan account makes the most sense. So that you remain highly liquid.

Remember, cash is king. Cash = liquid. If the money isn't liquid, you're as good as not having it.

Both. Max loan margin and max tenure.

Rumawip… unless location is king I won’t bother. Don’t buy because it’s cheap. Buy because its good.

Bank earn money or not is bank’s problem. Why you worry for the bank? If I have 300k. Even if I can cash buy a property I won’t. I’ll take max loan full flexi, and put the 300k cash inside loan account to offset interest. Because bank’s interest rates sure higher than FD. Unit trust got risk.

Who knows maybe suddenly got opportunity come up to buy neighbor’s unit for 200k cash because neighbor won lottery wanna sell his unit cheap cheap and migrate. Then you have the cash to immediately buy it.

When opportunity comes, no money no talk. Then you can only watch while the opportunity go to other people.