Since there is discussion on bank loans and royalties, I would like to share some info.
I am on HXXC loan and I find that they have no hidden cost compared to SXXXXXXX. For SXXXXXXX, they charge you if you want to deposit above a certain amount into the account. Personally I found that a disadvantage when I want to deposit an amount to offset my interest. PB I found they were a bit slow to my queries so I gave up not too long after talking to them. HXXC just charge the RM10 every month, no other charges. Only complain is dunno why they keep sending my statements to my old address even after updating my new address with them.
As far as i know for royalties, I heard the show unit bungalow beside the clubhouse is owned by the bigest royalty in the state, but I doubt he bought it. More like they gave it to him. I don't know if it's occupied since I hardly to there after I purchase my place.