well.. u miss out..
im stayin bk5 too.. but girls' family house..
time to move to own house now..
i think zest is a good project and a good buy..
the only downside i see is the traffic problem..
overall i see more pros than cons..

Aiya.. at the end we still call ourself "Orang Bandar Kinrara" .. Ka Ki Lang la..

Maybe I will join you after few years ..

This post has been edited by eugene jk: Mar 12 2009, 05:37 PM

which std chart branch u go?i jus send my documents to the std chart in puchong branch jus beside the TT sales office there. the agent say can do for me..dono real o not. will wait for her call.need one week to get the approved..hope can get it.haha...

Will be meeting the lawyer for the signing of S@P in sales office in coming saturday at 11am.

so which bank are u taking?

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Added on March 12, 2009, 9:09 pmwow.. suddenly so many pages.. i guessed I've missed out lots of fun.. suddenly got tai kar cheh summore..
been pretty tight up with work..

This post has been edited by gunnerstkd: Mar 12 2009, 09:09 PM

My letter of offer is not out yet. RHB told me that they will revert to me by this week. Hopefully tommorow cos she just submitted my docs for approval on tues.

The banker seems to be very confident that she can offer me a better rate than my PBB offer blr-2 15yrs mrta.

I ask her to push for better rate without MRTA

she?.. i guess you are talking to the same person we are talking to.. are u taking NZEC?.. and also semi flexi?.. cos their withdrawal facilities will require a RM50/withdrawal payment fee..

bro , dun ever believe wat an agent said , all they wan is business, if they hav a chance get ur documents, they will tell u they can do it, at last if they cant , they will just give all the bullshit. Those banks which are not tie up with the project i dont think can go through . not even any possiblities unless the particular banks take approval applying the developer project into bank approved list then only can do . but it takes 3 to 6 months time complete the whole approving developer process.

hihi..some stupid question here..haha.wat is the conventional term loan between flexi?i kno the flexi one..for the term loan is it i pay more money in, the interest charge still not reduce di?haha....any sifu here?thanks

finally went thru the whole 20 pages of this thread! haha...just realised taurus introduced herself as siew kim on the first post itself...which is obviously a gal's name! sorry, my bad for just skimming through the earlier posts!

anyway taurus...just a suggestion. maybe u could update the title of this thread as Zest @ Kinrara 9 Service Apartments v1 or something like dat instead of 'condo in kinrara and home loan' coz its sorta morphed into a discussion thread for zest's current n future owners already! also, it would definitely be more convenient for us to identify fellow forumners who have purchased a unit here as well by updating the 1st post with names of us fellow forumners and the unit which they have purchased, easier to probably organise events / yumcha sessions for us zest homeowners!

e.g.

babana - Block C, Level 15, Type C
sk_lim_taurus - Block C, Level 15, Type A
...
..
.

also, there's another thread on Zest created by Pai last week...maybe can ask the mod to merge both threads to one la. just my 0.02 to make the threads on zest more user friendly

This post has been edited by babana: Mar 12 2009, 10:42 PM

Term-loan means work wif normal account which means savings account link together with housing loan account.
The more money u dump into ( prepayment ) will direct goes to the principal which means offset ur principal thus the interest u serve will be lower .
Flexi work with current account + housing loan account. Provided wif a cheque book, in order to pay more to offset principal ( not advance payment ) need to write in / fill in form to do that. Subject to which bank u applying.

For security reasons, i think better not to disclose information on the unit's tenants publicly... probably we can keep it among ourselves via PM.. especially not safe for gals..
just my 2 cents.. now recession.. better 1 cent..

this makes me ROFL

haha, dats y if u noticed, i put type instead of unit number...lol
there are several units of the same type on each floor (except type E) so ppl wun exactly know which unit u're from!

but anyway...yea, dats probably not necessary anyway. jus kpc to know whether most forumners bought which type n the higher or lower floors...lol

This post has been edited by babana: Mar 12 2009, 11:05 PM

thx babana for the advice. ya.. i noticed pai also come out with the topic for the zest. i also wish that can merge with that forum so that the zest purchaser just need to go thru one forum.

ok. i'll edit the title to 'Zest at Puchong Kinrara'

thx gunner for the concern. ya... for gals, we shall not disclose the unit right? how? i've told so early....

i think it will be great if TT can create a forum for us so that we can officially have our own The Zest Club.

You can actually do like what amansiara is doing

mmm im not sure whethere we are refering to the same person. The rep from RHB is a she and im taking ZEC BLR-2 or 2.1 or 2.2 w/o MRTA. The offer can only be confirmed once i have the letter of Offer in hand. As at now, i think it is still pending for approval.

Tommorow got to sign S&P d.

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Added on March 13, 2009, 10:47 amFor normal term on the advance payment for reduction you would have to check whether is there any existing clause in letter of offer for you to do that.

Usually there will be clause in the letter of offer allowing you to pay extra to offet your outstanding principal thus reducing your term loan provided you give 1 month written notice to the financier.

As for flexi i think you can bank in whatever extra you have anytime to the current account to offset the outstanding principal thus reducing your principal and interest.

You may also make withdrawal from the current account with or without admin fee rangning from RM10 to 50

This post has been edited by Hengjones: Mar 13 2009, 10:47 AM

Thanks alot HJ..haha..help me alot....now i m waiting the other two bank to approve my loan then only consider which bank is the best..haha..but i not yet sign the snp oso. Who have the lawyer firm number here?i din save in my hp.haha..wan to call them for making appointment.

i thought we are now. haha

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Added on March 13, 2009, 11:41 amDo u know when will the banker can revert back her confirmation to you?

This post has been edited by sk_lim_taurus: Mar 13 2009, 11:41 AM

Cherroy sir,

please help merge this thread with the newly renamed Zest thread. Thanks ya