when sign SPA u need to settle the 10% down payment,

- legal fee & stamp duty for loan is mostly absorb by banks ZEC package but rates no as low as u pay the fee's NZEC.. lesser cost to bank lesser % charge on your account lo...

no matter wat package ur offered, must remember to give n take lo..

if ZEC normal rates but better cash flow during purchase lo...

if NZEC u need to have more cash in hand during purchase but in long run u save up more on %

if FEC - finance entry.. fee add into your loan.. pay back when u have the extra cash lo...

correct me if im wrong

thank you cloner.. get 80% of wat u mean. any idea on MOT? memorandum of transfer?
i heard need to pay this when the project is done. Any idea how MOT is counted?

Any suggestion on paying the legal and stem fee together with the 10% and get better rate form bank?
or include into loan package but lower percentage package? NZEC and ZEC ... which one is better?...

MOT yups = memorandum of transfer, need to pay this only after strata title had been issued to us...mostly 2yrs time from completion.. hard to tell how its counted... but u can expect around 2k for this

dont quite get the paying together part.. 10% pay to developer, legal & stamp is charge by bank & land office, diff party lo...

if FEC include into loan u will still get 90% + the legal fee i.e 92% in total lo...

ZEC or NZEC.. it really depends on your financial plannings mind to reveal a bit more here or just pm me bah... hehe

FYI

Memorandum of Transfer (MOT)

MOT is payable upon transfer of title from vendor / developer to purchaser

First 100,000 : 1.0% 100,000 1,000.00
Next 400,000 : 2.0% 200,000 4,000.00
Exceed 500,000 : 3.0% 0 0.00

so.. purchase around 270,000 will be? 4,300?

should be around 5000 plus minus

Did anyone notice the new u-turn under construction near Shell at BJ Highway? Guess I wasn't paying attention No need to go all the way to TPM to u turn d...

seriously? Will go n check it out this week then

Yeah at the junction of Balai Bomba... traffic light.....

but wont u all think it will worsen the trafic flow....

... anyway... Ramp is the best

yay! yay ! yay ! so it is really THE ramp ! I just noticed the construction today on the way to lrt station, and was wondering if it is THE ramp. Happy !!!!!

Herm.. There are few Shell station.. which on to be exact??

i tink ghinna n the rest is saying abt a new u-turn under construction, not the ramp. dun tink construction on the ramp has started yet, though i might be wrong. any other forumners who passes by bj highway daily...maybe can help provide us with some updates here...?

i heard that zest piling is awarded to Sunway construction... but now idea about the ramp

just noticed some blockage on the side of the road..
but dunno if anything is on there?
somewer opposite alam sutera?

ok..i pass there daily..but din notice any construction there..will pay more attention then will update with u all..haha....

Hey, you all think zest is a good buy ? If rent out will it get a good rent ? If resell good or not ?

Another thing, most of you all buy facing club or kl ? If club i gather is western sun & if kl, will hear the lrt rumbling past (its very loud !).

Thx.

This post has been edited by mrPOTATO: Apr 17 2009, 03:54 PM

passby just now. should be making a U turn.

u turn in the middle there?
think must have lotsa ppl complain uturn at TPM there is too far.. haha..
2 lanes.. 1 lane for uturn ? or just an opening for uturn? it's gonna jam there..

one thing they need to widen the road ler..

Hi anyone mind sharing which bank loan package they chose? i see most of zest buyer took RHB. But RHB didnt contact me also.

Any idea about the UOB weekly installment?

i guess im taking RHB also..
earlier was thinking of ocbc..
nobody from any bank contacted me.. i contacted them all by myself..

seriously.. uob never cross my mind!