which loan that u r waiting?

emm... lazy to go to the property fair. pls share with us after ur visit.

emm.. i won b checking my feng shui lor... so if i donno then i won know.. haa.. my current stay is facing east n unit in Zest also facing east. so i'll treat it the same lor. just don wan to spoil my impression to the house. if i nvr know, i'll nvr worry. hee

all u guys bought zest?
im planning to go there tomorrow.. and maybe put deposit..
how old are u guys here?

wow... so young already started buyin house?
early 20 or late 20 ?

my god.. just now only say havent received S&P.. now email got already/.

Maxsimax.. have you gone thru the "carpark" section?? does the 2 carparks comes together with the unit or there is any clause stating it has to be purchased saparately??

Ok... I got it clear right now.. Say if your purchase price is RM240k (after 3888 discount), if you look at your SPA, the amount is RM215k, carpark SPA is RM25k which total up is RM240k.. They saparate the agreement so that owner have to sell the unit together with the carpark together, carpark is not transferable and cannot be sold saparately..

Well, Tee n Teoh is using the standard SPA under the Housing Development Act, means we are protected under HDA. Developer is suppose to complete the project in 36 months which is a common practise by other condos and apartments.. Good news for that..

Just to note about the carpark allocation. I was shocked for awhile when I saw the carpark plan in the agreement is in tandem.. I told the staff that I was promised to have side by side carpark when i did my booking.. They argue that that is the carpark allocated according to the unit that I have purchased.. I insisted that I will not sign the SPA and I want to cancel my booking.. After they had several discussion and phone calls behind the scene, they came back to me and say it is just miscommunication and they had accidentally assigned the "wrong" carpark for me in the agreement.. I was thinking "YA RIGHT" .. At the end, they had changed the carpark for me (level 3 side by side) before i sign the dotted lines.. Ok.. at least the issue is settle..

DONT ACT DUMB... JUST ARGUE WITH THEM IF YOU FOUND ANYTHING WRONG... 

There is a separate set of agreement namely the "supplemental agreement -car park"

it will be stated in the schedule 2 of the said agreement.

As for me, they have emailed me the supplemental agreement. However, under the schedule 2 it is empty and the information of the parking is yet to be inserted. I believe the information relating to the tandem or side by side will be shown there.

i think the s&p should be signed within 14 days after u made ur booking...correct me if i'm wrong. i have not receive any notice yet.
haha, thanks! yea...i think eon bank's rates are not that appealing too. btw, which bank did u get ur loan from and what rates did u managed to secure?
bro, pm-ed u! 

thx for the clarification... it is wat i meant...

latest news from Mini Bedget Plan:
'Currently, investment sentiment in the housing sector is weak, given that both developers and buyers appear to be adopting a cautious attitude to build and to own houses. Therefore, to stimulate the housing sector, the Government proposes that house buyers be given tax relief on interest paid on housing loans up to RM10,000 a year for 3 years.'

Pls refer http://www.themalaysianinsider.com/index.p...eri-najib-razak
(Clause 34)
http://thestar.com.my/news/story.asp?file=...&sec=minibudget

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Added on March 10, 2009, 5:58 pm
But, will RHB offer so high credit limit?  u really a rich man ya... haa...

haha, looks like most of us buyers here are 1st timers...guess its due to the affordable entry price! yup, dats wat the salesperson told me as well...int payment will start in a few mths time.

didnt ask them about which floor my carpark would be on...dun really think its an issue for me. of course side by side parking would be best but i can still survive with back and front...haha, in which they have also told me in the beginning already. most importantly is 2 carparks la!

btw, would really appreciate it if u could pm me the personnel u liaised with for ur loan application in public bank and hong leong...wanna contact them already coz so far i've only heard from eon bank, although the sales rep said all their panel banks would call me! 

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Added on March 11, 2009, 2:24 pm

tax relief is to reduce the amt u pay for taxes. for eg, u earn RM50k a yr and after all deductions, ur taxable income is RM35k. after deducting xtra RM10k which u paid for interest payments, ur taxable income would only be RM25k. can actually save quite abit if the RM10k renders u to fall to a lower tax bracket.