Living in JB

[Narmi]

Oh , meaning alithough UOB approved my loan, i can still source for other banks right ?
my sales gal keep pushing UOB ....

Crystal u hv not signed anythg so no need to worry if u dont like for wateva reason with d bank..she is EXXXXr isit ya quite pushy but u no need yo succumb.. I took not cos she push cos it suited me

 

[ShawnLow]

I would suggest u may consider public bank~they payout money very fast.
And once u have decided few bank,js go apply them all in one time. Wait which 1 revert then u can compare n tink n sign on that

 

[crystal_tiong]

guys

wow , uob sent me mortgage planner ....

Loan Amount $460,605
Tenure of Loan : 30yrs
Total Repayment : $810,877.17
Total Interest Paid : $350,272.37

BLR -2% Interest rate 4.2%

The interest we pay can buy another house liao , wish I can strike toto first prize and clear off one time....

 

[Sanur]

guys

wow , uob sent me mortgage planner ....

Loan Amount $460,605
Tenure of Loan : 30yrs
Total Repayment : $810,877.17
Total Interest Paid : $350,272.37
BLR -2% Interest rate 4.2%
The interest we pay can buy another house liao , wish I can strike toto first prize and clear off one time....

Hi
How much is the Downpayment n monthly repayment??

 

[crystal_tiong]

total 15% downpayment and monthly abt $2.5k

 

[east539]

Hey Crystal, If you are not in a hurry, you might want to take it slow. Every property has its pros and cons. I would suggest to check and compare with at least 2-3 banks before making a decision. I have 3 forummers who PMed me about bad deals just for SXXXXXX bank alone.

Bro Wuqi is right, the 3 banks he mentioned were not only bad but very slow in processing & service are really poor...local banks services are way better.

 

[wuqi256]

Oh , meaning alithough UOB approved my loan, i can still source for other banks right ?
my sales gal keep pushing UOB ....

Yes, you can still do a u turn now. Don't be pressured by them or anyone into signing with any bank. You have the right to shop
around. Also, where in any doubtful situation when buying a property, you have the right to say no before S&P, etc. Even then
there are still ways to get out. Where in cases for buying subsale property, always insist on getting a separate lawyer so that
one represents you and the other represents the seller. Never use the same lawyer for both sides as in cases of dispute, the
lawyer can help neither.

Bros who are already with the 3 banks, it was actually mentioned earlier in the threads but even then your mileage may vary
so it may not be so bad as some of those who encountered them. Just my 2 cents worth from own experience as well as that of
others who i was helping. Personally, i would not touch them. Even the Jap guys here told me not to from bad experience. Imagine
folks shooing you away when you want a loan as they think that foreigners cannot get any loan or even open any types of account
here. Really embarrasing to know from them that it was H X X C.

 

[wuqi256]

The best experience is taking your keys for the first time. It doesn't matter how many properties you already have, it just feels different when you are given a set of keys to your own house. The next one is when you get your own title deed. The feeling is just like having log card of your cars.

 

[wuqi256]

total 15% downpayment and monthly abt $2.5k

I know experts would always give guidance on limiting or aiming for 0 loans where possible but think of this way, banks will only be willing to lend you money when you are still young and able.

When you are 60 plus, which bank will give you a housing loan? Once you are past 40 years of age, how long a loan tenure can one get? Time and tide waits for no man(or woman), unfortunately there are still folks in the world who thinks they are getting younger every year.

My 2 cents? Get the biggest property that you can comfortably afford and take it from there. Especially since its for your retirement, it should be something that you will be delighted to be living in.

 

[wuqi256]

congrats crystal.

I think over the next year this forum will kick into even higher gear with many on target to get their keys?
The feeling when you first grasp the precious keys is...

Its funny though, the feeling when you have the key is even happier when you see the title deed, at least for me.
Every time i received more keys, i kept them with me the whole week, the title deeds, just into the cupboard on the 2nd day.

Only reason why i finally kept the keys was that with 6 bunches plus car keys, its a major bunch that is very troublesome
to bring only. My lecturer and colleagues even commented i was like a prison warden or a janitor.

Quickly got the message, so now only the critical keys.

 

[relaxmannn]

Hi, gd day to all.

UOB is working damn slow, from last month till now they keep saying management haven't decide whether to loan 80% or 85%!
Ridiculous, despite my several phone call to them till last week, give up!

I just got approval loan (duration took around 1 week plus) from HLB for my unit at putri habour "Imperia".
Anyone got a unit there?

 

[euphony]

Its funny though, the feeling when you have the key is even happier when you see the title deed, at least for me.
Every time i received more keys, i kept them with me the whole week, the title deeds, just into the cupboard on the 2nd day.

i think it is symbolic, the keys whereas the paper is just legality. plus the jangle of the keys is music to the ears! haha.
6 bunches can make a symphony already! :p

 

[Narmi]

Bro Wuqi is right, the 3 banks he mentioned were not only bad but very slow in processing & service are really poor...local banks services are way better.

Really ah? Dunno why i dun experience d same thg...i guess like bro wuqi said mileage for us varies..but it is simply bad biz model to discriminate blatantly ppl who r givg u biz in d 1st place like d hxxc for eg.

 

[cleyeo]

I went to Bestari Height today.
I saw one Singapore Registered car when I visited the Semi D show unit. We chat a bit here and bit there. Too bad, we both did not intro ourselves to each other. When I was about to leave (so was he), he asked whether I am Singaporean. I said yes, pointing to my Sing plate car. He then told me he stayed in JB, in Horizon Hills to be exact.

Just wondering and hope he is also a member in this forum. LOL.

 

[chong2011]

I agreed with bro Wuqi. Let shop around and chose the best offer, not need to rush. As nowadays local banks are very aggresive and like my case I finally chosed AMB as they give me the best offer 1~3rd Yrs: 4.05% fixed with 3-yrs lock-in period. Lately City Bank offers BLR-2.4 or 2.45% with no-lock in. According to the bank officer, it is a very flexible repayment scheme and also applicable to foreigners.

 

[wuqi256]

Hi Narmi, definitely may vary but sometimes, some of these banks, you have to seriously wonder why they refuse business. Maybe they did not like the guys who went to them (H X X C) or think their money stinks?

Anyway, one time friend of mine tried to open an account, the teller pushed the money (10k in RM 100 notes) across the counter too hard and fell onto the floor, luckily it was tied with rubber band. He walked out immediately.

Clyeo, just in case you are wondering, it could be some of our other forummers who also live at HH. Definitely not me.

 

[wuqi256]

My sister introduced her friend to me recently and asked about lawyers as he bought subsale here.
I still stand by the recommendation for the Syed Alwi, Ng & Co guys.

 

[ShawnLow]

I went to Bestari Height today.
I saw one Singapore Registered car when I visited the Semi D show unit. We chat a bit here and bit there. Too bad, we both did not intro ourselves to each other. When I was about to leave (so was he), he asked whether I am Singaporean. I said yes, pointing to my Sing plate car. He then told me he stayed in JB, in Horizon Hills to be exact.

Just wondering and hope he is also a member in this forum. LOL.

I have bought BH too. That is a worth piece place~pending for loan approval now~

 

[vincentck]

That is correct.

Sorry, bro Maxpark... correct about what? That the semi-d is in HH?

Hi Crystal! Congrats on your loan approval.
I'm vincent's neighbour in NI Precint 8 and will be hopefully getting my keys next year
Can't comment much on the security as we haven't stayed there yet. We're planning to stay there 24/7 though.

Hi neighbour... it's been a while since we heard from you on this forum. Have you gone to see your house lately? It's coming along nicely. And you have a great view from the road because of the construction road next to ur house...

the extra land also must maintain regulary... otherwise it will become wild grasses which are rather unsightly as seen in some houses.

But for those with green fingers, love gardening and outdoor spaces which is lacking in our motherland, it is a refreshing change in living environment.

I love the idea of more land because I can BBQ or play games or plant a mango tree to grow up strong and then build a tree-house for my kids...

Hi future neighbour

Haha , Precint 8A and 8B is under the same precint right ?
Did you get the corner unit ?

Yup, bro iamapseudoneem bought a corner unit; just behind my unit. So, we already know a forummer/future neighbour. I will be staying 24/7 too once my place is renovated.

Vincent bro
Mine uob flexi loan. They offered -2.3 -2.4 blr with or without mortgage insurance bought fr them.

Isee... flexi loan meaning u can deposit cash into ur current account to offset the total loan so that u pay less interest. That comes with RM10 monthly fee, right? I'm getting 2 offers from HLB and UOB. At the moment, HLB package of BLR-2.5% is more attractive. But I've yet to hear from the bbank oficer about my loan. Need to call them either Thur or Fri.

Hi,

Corner w bigger compound or semi d w bigger build up.? I think if u hv kids, bigger compound will b better, can make a cycling track, kids can ride or swaveboarding. Sandpit to keep them busy all day. Use pearl grass as some smarties had suggested n grow only easy to maintain plants, land.. Is something Singaporean short off. That's my personal op.

Totally agree with you Sanur. Or even have a basketball ring at the side of the house to shoot some hoops with them. Get them jumping and growing taller... hahah

 

[Batok Seri]

Re: Toyota Hilux

I'm thinking thrice about getting high CG trucks..

Trucks are actually very good value for money in Malaysia.
Less of the total price goes towards vehicle tax so you get more metal for the money.

The other reason to consider a truck is passive safety.
There were three accidents within two months involving cars vs trucks where the drivers and pax of the cars were killed while truck drivers were relatively unscathed. These cases were head on collisions during overtaking on trunk roads in peninsula Malaysia. 4x4 trucks have higher ground clearance and higher departure angle for better climbing ability. Sadly when met head on, the trucks tend to climb over the bonnet of the average car bypassing the crumple zone and giving the passenger cells of your average car very little chance of maintaining integrity.

Other than Hilux and Triton, have a look at the powerful Nissan Navara which has a more carlike interior or you may wait for newer offerings like the latest Ford Ranger and VW Amarok if it ever gets here. Nevertheless don't expect them to ride as well as the average car, rear passengers may find it terribly bouncy. But who cares about them. You look more macho driving a truck while cars do give way quickly when you come charging from behind and seldom argue when you feel like changing lanes on a whim.