now, i will pay the balance of 10% d/pymnt.....about rm17k...
it must be done in 14days after sign booking resit.
and must sign snp......
my due date is this friday....

but, my loan not approve yet.....
can i sign my snp 1st before loan approve????

i angry with my lawyer coz not remind me the due date........
now im rushing to prepare the d/pymnt.......
fell like to terminate the lawyer but not have much time to find another.....

that the problem of lawyer.. we expect them but by the end.. we are the one who always have to follow up with them... we ask them to follow up the transfer status, ask them to ask their lawyer bla bla bla.. and the worst thing is that.. the deal get stuck.. seller lawyer want some document from us.. but our lawyer do not inform us on that..

If you have a lawyer who gives you a good discount, then give him a bit of leeway loh....tolerate lah as they are a bit harder to find and they usually give discount to regular/repeat clients. If your lawyer is the type that does not give discount, then fire him stat.

you can always ask the lawyer to wait for the loan approval. I really don't see the point of rushing to sign SPA.

If you want to sign a piece of paper make sure that piece of paper is to protect your interest, not the other way around.

and i dont see any point of blaming the lawyer, its your property, your house, your concern. if you dont take care of the matter or at least take the effort to update yourself with the progress, you are the first to blame.

no offense. my 2 cents as a consumer point of view.

i know on no point of fire blank the lawyer.. but we pay them to represent us.. the same thing happen to me when i purchase my first house.. i really don't go detail on snp.. hell u know legal term and jargon..


but at the end.. when my house abandon.. people blaming us who do not read details of the snp that actually do not protect us at all..

do we need to get a law diploma/ LLB before purchasing our house? i don't think so.. that where actually a professional so call lawyer should act.. on behalf of us.. to protect us.. and not to blame us back...

or should we hire third party lawyer to go through the snp

Be very careful with the proceeding and applying for a bank loan.

updated....
just sign snp and pay balance 7% for my house.....
and today, bank call said that my loan approve already,
bank said i must sign something and get lo.

what i must do next?
after got my LO n snp, i will go to kwsp to take out my account 2 money there.
what the process after this???

sorry, really noob in this. 1st time buyer....hehehe

Well, just sign the document for the bank, usually is Loan agreement.

Then take the S&P copy to KWSP to take/withdraw money over there. S&P document is a must when applying withdraw in KWSP.

But personal advise,
If can,try not to take money in KWSP as the interest gain is better if you leave there.

it ok for you to ask.. that what the forum used for..

if u have cash than it ok for you not to withdraw epf.. but.. it think it ok . just withdraw it.. for fisrt time.. u need lots of money later on during moving in process.. (as i told before).. at least u need around rm30k-Rm40k to be on the safe side to do minor renovation..i.e kitchen cabinet, grill, lamp , electrical applience, water, electricity deposit, quit rent, etc..

i not have money after buy this house...hehehe
already spend about 30k for d/pymnt 10% & lawyer fee.........
withdraw epf maybe for buy aircond, extend owning, etc......
not plan for renovation yet, coz not have budget....hehehe
lot of experience can learn buying house....
now i became my friend adviser coz he also plan to buying house....

Well, in your case, just withdraw the money, make yourself a nice and comfortable house. Gratz

withdraw... and keep it same place SAFE.. kekekekke

just imagine u have 20-30k.. cash.. lots of thing can be done.. .. new pair of jeans.. iphone..dslr muahhaha

keep on updating is on your progress... i just move in to my house last week (officially)..

iphone???? good idea......
my staff use new phone, HTC, Nokia expressmusic, etc...all 'canggih' one.....
but be, their boss only use sek750i.........maybe time to change....huhuhuhu

but must settle my house first.........
usually, how long it take to take out kwsp account no 2 money?????

not more than 4 weeks.. mine is around 3 weeks.. credited to your account..

Guys.. a qot a question here..
1) what if I have no cash money to pay for the deposit ? Is it possible to withdraw the epf to pay for the 10% downpayment?

Can I sign the S&P, delay the downpayment, use the S&P document to withdraw the epf.. then after withdrawal, pay the downpayment? Can I do this?

If the owner of the house agree.. anything can be done..but will they agree?

it is not rm20 or rm50 item.. it cost u hundred thousand ringgit property..

now, just waiting pending notice of assessment from LHDN.
actually near 1month already waiting for this letter.......
is it quite long???
or my lowyer soo slow....
my bank ask me 2-3times already, ask me to push my lawyer to make this deal fast, coz nothing prob with my bank..... but not exceed 3month from snp.

my lawyer said, it will done before july, n i can move to my new house in july.
cant wait la to move.....hehehehe

1st thing to do, need to painting the house,.............

i've been following your topic... coz i'm in the middle to buy a house also...so do you mind to summarize your process of buying your house until to date? i.e....

1) selection of the house
2) pay booking fee (2%)
3) apply home loan
4) (in 2 weeks-loan approve) pay balance/down payment (8%)
5) sign s&p
6) withdraw kwsp acct.2
7) ......
8) ......
9) ......

is it the correct process for buying house... please advice..

7) kwsp will credited into account not more than 2week if not have any problem
8) waiting for notice tafsiran duti setem from stamping office
9) waiting for original title from vendors lawyers
10) pay balence for cukai pintu (in my case, from july to dec2009 - coz already change to my name in july)
11) waiting bank release cek to vendors......
12) get ur keys......

actually most of the process is just waiting....... depend on ur lawyers...
my lawyers really slow.......my case not settle yet untill now......but she keep saying my case is straight forward case, no problem....
but why soo slow if straight fwrd case?????

now, im just waiting for bank to release cek to vendors......and then get my keys......

sorry for the late reply........
coz very bz now......
now i just thinking to move into new house...
just got 2week only to move in........

I think s&p should be signed before (and not after) home loan application. The bank will want to see the S&P.

Am I correct ?