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Author: Naatasha

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 Author| Post time 3-1-2019 08:41 PM From the mobile phone | Show all posts
munchkin replied at 3-1-2019 08:23 PM
ohhh dah paham. selamat menikmati rumah baru

i takut sangat agent recomment lawyer. i prefer  ...

Oh ye ke. Agent, lawyer n banker sume cina. Nasib baik i dh biasa keja dgn cina, i sorg2 je melayu

Banker ada remind i yg kdg2 lawyer buat keje lambat yg akan mnyebabkan loan lambat release. Lawyer pun ada kata kdg2 diorang dh cepat tapi bank yg lambat

So lantak kome la nak kata apa. I dh warning banker, dan lawyer. If u buat keja bagus, i ok. If tak, bakalan tak aman la hidup uols. I akan chase uols x berenti. Haa gituu

Btw tq munchkin sudi reply n berkongsi info
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 Author| Post time 3-1-2019 08:46 PM From the mobile phone | Show all posts
moonbug replied at 3-1-2019 04:06 PM
Tak la my dear. Rate differs from one customer to another depending on many factors walaupun bank  ...

Oh cmtu. Jadi makan tua makin tinggi rate ke?

Atau skrg dpt rate 4.4%, akan dtg rate kita sama sehingga bank negara buat rate adjustment?

Atau skrg 4.4% pastu 6 tahun akan dtg naik lg sbb umor meningkat pastu high risk?
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Post time 3-1-2019 09:04 PM From the mobile phone | Show all posts
Naatasha replied at 3-1-2019 08:46 PM
Oh cmtu. Jadi makan tua makin tinggi rate ke?

Atau skrg dpt rate 4.4%, akan dtg rate kita sama ...

Umur tu applicable untuk masa u apply loan je untuk system calculate starting interest rate tu. Lepas ni rate tu cuma bertukar in tandem with the changes in BNM's BLR.

Kalau ikut contoh I kat atas tu, Ali bayar loan rumah rate 4.1% tu sampai la umur dia 55 (assuming BNM langsung tak revise BLR).
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 Author| Post time 3-1-2019 09:08 PM From the mobile phone | Show all posts
moonbug replied at 3-1-2019 09:04 PM
Umur tu applicable untuk masa u apply loan je untuk system calculate starting interest rate tu. Le ...

Tq Moonbug. Faham dah. Tq sudi reply
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Post time 3-1-2019 09:19 PM From the mobile phone | Show all posts
Naatasha replied at 3-1-2019 08:41 PM
Oh ye ke. Agent, lawyer n banker sume cina. Nasib baik i dh biasa keja dgn cina, i sorg2 je melayu ...


Lawyer SPA dengan lawyer loan u quote berapa rate diorang? If u don't mind sharing
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Post time 3-1-2019 10:10 PM From the mobile phone | Show all posts
Edited by munchkin at 3-1-2019 10:12 PM
Naatasha replied at 3-1-2019 08:41 PM
Oh ye ke. Agent, lawyer n banker sume cina. Nasib baik i dh biasa keja dgn cina, i sorg2 je melayu ...


Dulu i ambil lawayer melayu sebab kenalan family dan family. Tapi hmmm kerja lembik lambat kena tekan ngan lawyer lain. Bila agent recommend lawyer chinese yg bagus i bersyukurlah. I ni lebih suka bekerja ngan chinese banding malays sebab bila tegur kang sentap

Satu je lawyer melayu (lawyer bank) yg terlampau laju dan bagus. Dia pulak based kat seremban. Yg ni je i puji. Sebab mmg cepat gila dan efisyen dan professional sangat. I minta bank nak kerjasama ngan dia kali kedua sebab kali pertama dia buat kerja i sangat impress.
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 Author| Post time 3-1-2019 10:12 PM From the mobile phone | Show all posts
moonbug replied at 3-1-2019 09:19 PM
Lawyer SPA dengan lawyer loan u quote berapa rate diorang? If u don't mind sharing

Lawyer, agent tu yg carikan. Kira dia cari sume la. So dia dh bgtau lawyer fees dlm 7k.
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Post time 3-1-2019 10:17 PM From the mobile phone | Show all posts
munchkin replied at 3-1-2019 10:10 PM
Dulu i ambil lawayer melayu sebab kenalan family dan family. Tapi hmmm kerja lembik lambat kena  ...

Bestnya dapat lawyer yang proactive kan. Kalau kena yang jenis kita kena kejar dia tu memang stress selalu
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 Author| Post time 3-1-2019 10:18 PM From the mobile phone | Show all posts
munchkin replied at 3-1-2019 10:10 PM
Dulu i ambil lawayer melayu sebab kenalan family dan family. Tapi hmmm kerja lembik lambat kena  ...

Dari cara u cite, umah u mesti dah berbiji2 kan. Malunya i

Tu la i prefer keja dgn cina sbb nya kita nk tegur senang. Xde nak sentap. X suka, kita terus cakap. I harap lawyer ni ok lah. Cuma nya sbb i kat sini, dia kat sinun seberang laut. Jadi nk jumpa tu susah sikit. Sbb negeri i ni traffic mcm hampeh sikit. Trpksa adjust timing byk kali. Tp ok je
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Post time 3-1-2019 10:19 PM From the mobile phone | Show all posts
Naatasha replied at 3-1-2019 10:12 PM
Lawyer, agent tu yg carikan. Kira dia cari sume la. So dia dh bgtau lawyer fees dlm 7k.

Oo ok. Ni untuk lawyer SPA je kan? Lawyer bank I assume separate la
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Post time 3-1-2019 10:30 PM From the mobile phone | Show all posts
Edited by munchkin at 3-1-2019 10:39 PM
moonbug replied at 3-1-2019 10:17 PM
Bestnya dapat lawyer yang proactive kan. Kalau kena yang jenis kita kena kejar dia tu memang stres ...


Masa 1st prop i beli. Seller ok sangat. Japanese guy. Masa ni lawyer melayu kenalan. Oklah smooth.

2nd prop i beli. Seller pun ok. Lawyer family member. Masa ni smooth juga.

Then i nak jual 1st prop. Guna lawyer family. Buyer mcm cibai. Dia kata kena belanja makan sebab dia dah beli prop. Dia delay lama. Tak nak bayar interest. I jual prop dia nak barang2 i dalam tu. Lawyer dia tekan lawyer family. Lawyer family tak boleh bertegas. End up i sendiri tulis surat kat lawyer dia. Baru lawyer tu senyap.

1st prop i jual tu nightmare. Actually agen nak tipu kami tak nak disclose harga jual. Dia pakat ngan lawyer payment go thru lawyer. I mintak snp tak nak bagi. Dia suruh sign terus. I bypass contact lawyer nasib lawyer tu email. I baca terms and condition mcm gila dia tindas seller. So i refuse. Dia kata i rugi sebab tak yah bayar (no reresentation). Pedulik hapa i. So i lantik lawyer family sebab aunty i kata bagus. Pfttt. Kena tekan dek lawyer chinese terkincit tak boleh defend diri. Menyudahnya i sebagai client yg hentam lawyer sana. Buyer i tu licik.

Sini i dah nampak kalau lawyer melayu kalau transaksi takde challenge dia boleh handle. Bila ada challenge dia lepas tangan.

3rd and 4th prop so far dapat lawyer bagus walaupun 3rd prop ada masalah (seller tak tukar nama masa jual prop kat kami-nama developer). Lawyer dapat settlekan masalah seller.

Dari cerita i yg panjang ni pengajarannya bacalah setiap klausa dalam snp. Tu je.
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Post time 3-1-2019 10:32 PM From the mobile phone | Show all posts
Naatasha replied at 3-1-2019 10:18 PM
Dari cara u cite, umah u mesti dah berbiji2 kan. Malunya i

Tu la i prefer keja dgn cina sbb  ...

Beli jual balik. Takde rumah berbiji biji.
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 Author| Post time 3-1-2019 10:32 PM From the mobile phone | Show all posts
moonbug replied at 3-1-2019 10:19 PM
Oo ok. Ni untuk lawyer SPA je kan? Lawyer bank I assume separate la

Unt both. Lagipun i beli rumah murah je
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Post time 4-1-2019 11:33 AM From the mobile phone | Show all posts
Naatasha replied at 3-1-2019 03:54 PM
5.1%? So setiap org x sama ke mcm mana? Sbb yg forumer tu ckp skrg dia punya interest rate 4.7%. M ...

Iye 5.1% skrg ni..
I punya bukan flat rate u...
Tapi conventional & flexible...
Buka maybank2u semata ni tau nak confirm interest rate tu..
Hahaha
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Post time 4-1-2019 11:39 AM From the mobile phone | Show all posts
moonbug replied at 3-1-2019 04:06 PM
Tak la my dear. Rate differs from one customer to another depending on many factors walaupun bank  ...

I amik loan 26years... Sampai umur 60 tahun gitu... 3rd home.
So tau la kan umur berapa i apply loan tu..
Hihihi..
Interest ikut years.. 1st year BLR - 0.5%
2nd year BLR + 0.5%
3rd to sekian2.. lain pulak..


+ % tu maybe tak betul..
Tak ingat dah..
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 Author| Post time 4-1-2019 01:06 PM From the mobile phone | Show all posts
sarahmirza replied at 4-1-2019 11:33 AM
Iye 5.1% skrg ni..
I punya bukan flat rate u...
Tapi conventional & flexible...

Oh. Hehe.. Aduh mcm takut je. Maknanya tiap2 tahun interest rate meningkat ke?
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Post time 4-1-2019 01:35 PM From the mobile phone | Show all posts
Naatasha replied at 4-1-2019 01:06 PM
Oh. Hehe.. Aduh mcm takut je. Maknanya tiap2 tahun interest rate meningkat ke?

Depends on BLR set by bank negara...
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Post time 10-1-2019 10:44 AM | Show all posts
Naatasha replied at 3-1-2019 03:54 PM
5.1%? So setiap org x sama ke mcm mana? Sbb yg forumer tu ckp skrg dia punya interest rate 4.7%. M ...

Bergantung jugok pada harga property. Contohnya:

A beli property harga RM1m, interest rate die lagi rendah, 4.1%

B beli property harga RM300k, interest rate die tinggi sikit, 4.6%

Sebab apa bank buat cengitu, mungkin even interest rate rendah untuk property mahal, tapi pulangan lebih besar dari property murah even interest rate tinggi.

Gitu.

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 Author| Post time 23-3-2019 12:14 AM From the mobile phone | Show all posts
gadis_tulip replied at 10-1-2019 10:44 AM
Bergantung jugok pada harga property. Contohnya:

A beli property harga RM1m, interest rate die  ...

Tq so much untuk u punya explanation baru la faham
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