Block C

1)sk_lim_taurus
2)eugene jk
3)gunnerstkd
4)Hengjones
5)Cream
6)Maxsimax
7)propcritic
8)Pai
9)chenster
10)cedrickang_8
11)babana
12)shiewwai85
13)stephanie_437
14)lakini80
15)keithcky
16)citron
17)pliew
18)buzybug
19)feifei2
20)trusted519
21)paul5005
22)syndic
23)joycelsq
24)ghinna_lm
25)slyren00
26)ahPiYeh
27)Chet

Hey... wanna meet this Thursday? We can Dinner in Puchong.

Block C

1)sk_lim_taurus
2)eugene jk
3)gunnerstkd
4)Hengjones
5)Cream
6)Maxsimax
7)propcritic
8)Pai
9)chenster
10)cedrickang_8
11)babana
12)shiewwai85
13)stephanie_437
14)lakini80
15)keithcky
16)citron
17)pliew
18)buzybug
19)feifei2
20)trusted519
21)paul5005
22)syndic
23)joycelsq
24)ghinna_lm
25)slyren00
26)ahPiYeh
27)Chet
28)fuyoh99

anytime meet up..... no ploblem...

eh..
i tot if u sign ur S&P and somehow ur loan get rejected.. they will forfeit ur RM3k booking fees u paid earlier..

+++++++++

i just called up ocbc to clarify things.. she told me that this is a new plan devised for the zest project..

-2.25 for financial legal fees
-1.5 for ZEC or non ZEC or something like that..

financial legal fees package she explains is not ZEC.. but cheaper than ZEC.. the lawyer fees + stamp duty etc etc is not paid by the banks and include in ur loan..
but the fees will still be included in the loan but not paid by the bank.. get it? so the interest will be lower than paid by the banks..

+++++++

just got a call when typing this reply.. cimb just called up say they cannot do this project because of the parking agreement tied in.. i guess same reason as standchart?

------------

i think u can call up OCBC panel for more info on this new package.. she said they did something and get this plan approved.. im still holding on first waiting for rhb..

HI all,
new comer reporting here. Pls add me in. Thanks.

I think a good practise will be:

1) Do the booking
2) Scout for loan package
3) Get bank to comfirm the loan
4) Sign SPA .. Pay the remaining downpayment
5) Sign your loan agreement

my 2 cents

let said if i already sign S&P and settle the 10% payment. suddenly bank loan rejected, mean developer will sapu my 10% payment as well?

Just receive a message from loan broker, BLR will go down again. and banker will review the package again... dun know whether is positive or negative review..

seem rhb offered best rate so far (ZEC -2.2). need to go through their T&C..

i think that's wat's everyone was practicing?
cuz they dun wanna lose the booking fees..
i plan to sign first too.. cuz i tink my loan should be ok.. but then my bro warned that i might lose my booking fees..

+++++++++++++++++++++++

BLR going down again? when?

This post has been edited by chenster: Mar 23 2009, 03:48 PM

HI ALL,
newbie here. I have just my s&p yesterday (level 17). the best rate i can get is 2.1%. saw some of you managed to get better rate through group application. can you please give me some info how to apply through group?
thanks

hi there, u can try pm-ing sifu propcritic here...dunno if the group rates are still available onot

i dunno if 10% will lose or not..
can someone calrify? wanna know also..

++++++++

PBB banker just called me.. say he's trying to get -2.3 for me?
but he said not confirm ler.. fingers crossed..
all because i tell him rhb is offering -2.15 .. hehe..

Hehe,
how to pm-ing sifu procritic. reaalllly new here. have been following this forum before i bought this unit. Decided to get an unit since the community getting merrier.

Hi, Just wanna know whether the carpark price is included in your loan? Pbb excluded the carpark RM25k for me. Do you try for OCBC bank as well? The agent told me -2.10/-2.15 with 36yrs loan tenure period.

i got one fren oso..he took floor 3A..his name is ah loy..pls add him in.thanks...
btw i still waiting for my cimb ppl to call me abt the loan.haiz..wait so long..if cant get it then will go for rhb.

Yes. Loan Package from OCBC, RHB and EON all inclusive car park loan. OCBC is offering BLR-2.25 NZEC / financed legal fees and BLR-1.9 for ZEC.

yeap as per taurus..
only these few banks have quite god deal..
OCBC RHB EON..

so far i think ocbc the best rate of -2.25 if u only wanna look at the blr point of view..
rhb so far offer me best -2.2 ...

all these packages are standard for the zest project..
other bank loans i think depends on individual record..

i've asked standchart and cimb and both do not do this project because of the diff agreement for car park..

prop has some posts on page 40. just locate one of these posts (e.g. post 798), below his username there is a 'pm' icon. click on it, type the msg u have for him and click send. voila, ur private msg is sent.

Beside loan rate, what is locking period for RHB (best: -2.2), OCBC (best: -2.25 & EON (best: ??) ?
When is the locking period start counting? Once we sign Loan Agreement or only once we get CF?

rhb quoted me 5 yrs from the first drawdown (dunno whether it applies to everyone or only the group package) whereas EON is 6 yrs from final drawdown (i tink...correct me if i'm wrong). dint apply to ocbc so tak tau...perhaps another forumner might wanna enlighten us?

do bear in mind however, that not everyone will get the best rates as quoted in the forum (eg RHB won't give -2.2 to everyone, ocbc -2.25, etc). it varies on alot of factors, such as ur credit history in CCRIS, age, salary, yrs of working exp, current loan commitments, etc.

This post has been edited by babana: Mar 23 2009, 04:50 PM

i think most 5 years?
so far ocbc and rhb for me i heard is first payout/disbursement? ..
pbb i think is when complete and first real instalment paid..

banana is right..
all depends on ur history..
but i think ocbc and rhb currently best they can offer is as above..
maybe if blr really drop again.. we will have better rates then ?