isn't mine -2.2 same with ur group?
just that i want to get MRTA with my loans.. and it's ZEC too.. 

yea.. she mention to me with MRTA and without MRTA also -2.2 for me..
but i want MRTA...
and she mention for this project rhb already set at -2.2..
and that's y i was asking her to try to get more for me.. like a special case..

my sis hold a few credit cards (w/o any outstanding balance) for several yrs already and has no outstanding loans but was offered 40% MOF too! she's also below 30, n technically its still 'too young' for them 

yea, am actually applying to pbb as my 3rd fallback plan oni if rhb and eon also fails to approve my loan for some reason. since they're so chuen, i wasn't really inclined to ask them further on what options/procedures i should take to obtain a 90% MOF with them. reckon other banks shud be able to offer me higher MOF with better rates too!
LOL! aiyor prop...now that u've disclosed my identity, everyone will know how old i am already! 

cheh... u dare to say so. later when we meet up, they will know ur age then kick ur butt. LOL

Public Bank really act in the way. Initially when I apply, they also get a lot of documents, even my savings n FD. but end up, the highest rate is BLR-1.8 ZEC. the reason i cant get better rate is, i'm too young n the record is too clean as well...    but, in fact, i'm not so young ner. the Banker is nice and explain that PBB really give rates according to personal profile. not base on project or standard rate. so he asked me to go for other banks. ai...

don worry. other banks are not. u can check with OCBC, RHB and EON. they sure welcome you. nvr ask for my savings or FD.

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Added on March 19, 2009, 3:57 pm
emm... why u prefer MRTA ya? cos MLTA / MITA is much better right??

Babana..don't care about PBB...since they can't be bother for your business...I thought UOB was bad enough to offer me 60%....but 40% loan is worst...are they offering you interest free rates? hehe...I think the 'you are too young' is just a lame excuse they use to push away customers lo...

I get -2.1% takkan I am old man.... (

More MRTA / MLTA / etc discussion.

Seems like quite expensive paying RM150 for a 150k protection. Got extra stuff in there boh? Mine is 200k protection but I'm paying RM106 per month nia.. and I move it around when I flip properties.

Wei wei I very fickleminded weh... wanna buy, then dun wan, then wan, then dun wan... Still deciding for Zest or Setia Walk or the new PJD development at Cheras 

i second the overpriced part. abt the happening part...hmm, still too early to tell though imho! zest is priced at an average of RM200 psf whereas setia walk is RM320 psf wor...
heard dat the setia walk showroom will be up by 22/3 so u can prob drop by there n have a look before making up ur mind la 

all 3.. see how first lar.. Actually I dun have the intention of staying in Puchong. That's why I left my house at BK5 for family lor.. Maybe for investment.

Looked at Zen, Atmosfera, Setia Walk, Zest.. so far Zest is the most appealing to me.

Another question, the carpark is excluded from the loan?

Hi. I'm back.

Joyce, I bought it for own stay.

Well, I received a call from RHB banker. There is no 'special rate' or 'group rate'. Generally, all purchasers can get ZEC BLR-2.1 or 2.15. It will be a standard rate unless you take MRTA. I've checked with Developer as well. They've appointed Ms Ooi as the person incharge. Anything can go for her.

Well, so far, the panels are OCBC, RHB and EON bank. These 3 banks are for sure will include Residency and Car Park loan together. OCBC will also come out with a standard rate. EOB Bank might be a bit bit different cos they will consider based on case.

Not the appointed bank but tied to this project. But the rate is very different based on personal profile.

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Added on March 23, 2009, 10:08 am
Ya.. The rate is your initial afford. You did help to fight for the good rate. But, i think after that the conflict affecting the operation. Thus, the MGM decided to standardize the rate. Since Ms Ooi is the one who incharge for this project, then evything goes back to her liao.

Just wanna ask the community here. For the Loan's lawyer thingy...u all gonna use T&T or will go for your own lawyer's firm? Thanks. OCBC latest package, though verbally, is -2.3%, NZEC though....semi flexi..

Yup..if all those 3 materialise, it will be a super bonus!! hahaha..

Yeah, I agree with the above points too and also would like some additional points:
1. The location is good because it is near to the major highways.
2. It is also near some institutes of higher learning.
3. It is near Cyberjaya, where I'm working at.

But one point that is commonly missed out is the number of DBKL flats near the area there. There are 10 or more if I'm not mistaken and they're all empty now. Imagine once people start moving in and they share the same access roads, the jam there will increase by a lot!

Yeah, latest verbal offer from OCBC, BLR -2.3% NZEC with finance fees included in the loan.

i got mine at BLR - 2.2, ZEC w/o MRTA (group package from RHB), semi flexi, lock-in period of 5 yrs after 1st drawdown incl the cost of the carpark. accepted and firmed it up already.

btw, although OCBC might be offering slightly better NZEC, u hafta factor in the the ease of depositing ur money periodically to their branches. if there's an OCBC nearby ur place den shouldn't be a prob la. just a point to note.

i doubt block B has klcc view even if u take the one on the far left (unit 1). u might be able to see parts of kl but the kl tower and klcc would be blocked by block C...this was confirmed to me by the sales rep yesterday. n yep, the one facing the back would be looking at the flats and hill. they were pretty honest abt it though...thats why if u noticed, the plan states bk9 view and pool view instead of klcc view and golf view.

my bf decided not to buy ady...
he said the property nid to wait 3 years, he is scaring for the cash flow...
we have to pay the rental for 3 years too...
haiz...
so far, i still perfer their design layout...

the agent told me is apply thru developer...( i m not sure, is their panel or not) at least can get 2.1 BLR
but some of them different, most higher that salesman told me is 2.3...
depends...

someone can update Zest owner list, wondering how many lowyat forumer own Zest