Hello,
I just bought a sub sale unit which still under construction. According to my S&P lawyer, since the transfer only need to be done when the unit is ready for handling over, so i still have plenty of time to think about the loan arrangement. But looking at the current loan packages, i'm tempted to secure the loan package now as the rate and the terms are really attractive. FYI, the unit will be ready by mid of next year according to the developer.
Should i apply for the loan now or should i not? any opinions?
Thanks.

Based on my SPA, it says the disbursement shall release to the vendor's solicitor but my loan agreement says it should release it to the vendor directly. Can anyone advise which 1 should i follow and what's the differences of the both term?
Thanks very much.