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

nope.. i haven't sign yet.. will review it during the long weekends.. Actually you need to make your  bookings first.. then scout for housing loans.. they will give u ard 1 month time probably and will call u up to sign the S&P.. then you need to pay the 10% deposit..

yea.. you can ask the lawyer to post it .. however, ive asked them to email me...

More units were snapped up after the above photo.  The 2 remaining units at 20th floor were also taken and so did many more pool facing units.

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Added on March 8, 2009, 10:30 pm

You wanna join our group application?....should be able to get a better rate than your current best rate, hopefully!

Hi!!  I will be heading to T&T (law firm) this Sat for documentation signing (S&P).

We have now 17 units going for our group loan package.  Some will be given BLR-2.2 due to their lower risk portfolio and credit rating.  ZEC and without MRTA.  RHB is also throwing in a DVD player each.

Btw, RHB's lock-in period is from its 1st disbursement/drawdown where as most banks, including PBB, have lock-ins of 5 years from final disbursement of loan.  As such, effectively, RHB's lock-in is 2 years from VP where as for PBB, the lock-in period of 5 years starts from VP....overall 8 years (3 years during construction and another 5 years upon VP)  Do check your letters of offer...

hahaha...If those clauses are there...it would sure be nice...

But, hahhaha...anyway, lets pray for the successful project implementation and great sales of THE ZEST!!

Wei...Wei..nobody from 10th floor de ah? Still no neighbour here...  

guys...
standchart just called and say she cannot do the loan for me for zest..
now try to call my fren to make it happen.. but then i tell my girl dun bother.. since i guess they really are not loaning for this proj..

well.. she offered me rhb bank.. and i said i wanna try cimb, public and ocbc.. she asked to send her my details..
but im afraid my details will go to the wrong hands.. u know bank la.. they sell information here and there.. i might end up with a credit card from XXX bank..

Yeah my arrangement is to sign the S&P in the sales office as i intend to swipe my credit card first.

Cos the lawyers cant do it in their office as they cant take the money for and on behalf of DD and also they dun have the credit card machine.

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Added on March 13, 2009, 2:32 pm
No worries Kang....potential neighbour

how's the rate u guys have?

i will be meeting ocbc rep later.. she offers me -2.15 and she said is standard for the zest.. others have -2.0 only..

and i just went to cimb.. not realy good rate.. only -1.65 or -1.75 with MRTA 15 years.. flexi home loan.. so i guss cimb is out..

frankly, i had wanted to invest in properties since last yr but dint really had the time to look around nor made much research. went to see a few properties around dsara perdana area but dats just about it...didnt enquire abt the nitty gritties like loan repayments, diff btwn commercial n residential land title, etc. as my peers are mostly still in the studying / clubbing phase of life while i'm still eons away from settling down, there wasnt any pressure yet for me to get a crib of my own...just dat i'm always intriguied with the idea of investing in real estate. but den again, still not really a reason for me to be so noob la...HAHA

actually, i found out abt zest only around 1am on monday! researched it online till the wee hours of the morning and went to the site and sales office twice in the afternoon and evening. n presto, i landed myself a unit there! pretty funny actually how fast i made my decision and the circumstances which led to it but am having no regrets

so yea taurus...techincally i've only started intensively researching and absorbing all the terms u said above from tuesday onwards!

This is a loan calculator that i used to check the schedule of payment for my 30 yrs loan. u can trace normal payment schedule, schedule with advance payments etc.

http://mortgages.interest.com/content/calc..._calculator.asp

sorry that didn't share early cos i'm not sure whether useful for u or not. just I'm curious to know how much will be the interests n premium that I pay evy month.

hope can be ur reference as well la.

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Added on March 13, 2009, 6:03 pmJust my example:
With interest rate of 3.45%, started April 2009
- Extra payment of 200 per month: 8 yrs earlier (April 2031)
- Extra payment of 2000 yearly: 7 yrs earlier (April 2032)

Pls update which bank offer the best rate?
I bought mine at level 12.

I got offer from OCBC at BLR - 2.15%..nzec, Public Bank at BLR - 2.1% zec...
After doing some calculation, Public Bank is better in terms of the rate, but I like OCBC more coz of the agent, Yen, who is proactive and helpful with my queries.  Am still waiting for HL to come back to me, tho...

 

welcome welcome...wakakaka...seems like its getting merrier...
 

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Added on March 15, 2009, 3:39 pm

Maybe, can ask them to join or make *A* forum for all of us to join?   

I am looking for best offer loan package for full flex loan,  which bank offer the best rate? is OCBC a full flex loan?
Currently considering CIMB. Any comments?  The agent told me that I can apply from few banks at the same time, and chose the best offer among the applications. Is this against any rules or laws?