Finally CF for Aman Heights I has been approved. Lim has received a inform letter about it although he hasn't signed the S&P yet. So glad to hear about this but i hope that AH2 will not be delayed for so long...
Reno at AH1 has begun!!!
Friday, October 30, 2009
Tuesday, October 20, 2009
MRTA
Finally we decided to take on HLA MRTA with Chloe superial, Cathryn for 15yrs. She will prepare the agreement for me and i need to prepare the cheque for the payment of ard RM2k. I told her the cheque will only be ready by next week as my cheque is with my father. I have asked her to sms me the exact amount of the MRTA. The cheque is to be issued to HLA as written on Cathryn's name card.
Another 2k goes off easily...haha
Another 2k goes off easily...haha
Friday, October 16, 2009
MLTA vs MRTA II
Met up with Cathryn from HLA. Basically the plans are as below:
MRTA:RM200k
10 years = RM1,532
15 years = RM1,938
MLTA:RM200k
Monthly = RM164.68
Quarterly = RM494.03 (discount 1%)
Semi-Annually = RM964.53 (discount 2%)
Annually = RM1,882.00 (discount 3%)
Cathryn claims HLA having the best MLTA package among its competitors.
Fui Woon helped to get the quotation from Prudential as well:
MRTA: (RM205,920)
12years = RM1381.72
15years = RM1999.48
Prudential package seems cheaper for 12yrs MRTA. as for MLTA, not sure bout it..
Promise to get back to Cathryn by next week.
MRTA:RM200k
10 years = RM1,532
15 years = RM1,938
MLTA:RM200k
Monthly = RM164.68
Quarterly = RM494.03 (discount 1%)
Semi-Annually = RM964.53 (discount 2%)
Annually = RM1,882.00 (discount 3%)
Cathryn claims HLA having the best MLTA package among its competitors.
Fui Woon helped to get the quotation from Prudential as well:
MRTA: (RM205,920)
12years = RM1381.72
15years = RM1999.48
Prudential package seems cheaper for 12yrs MRTA. as for MLTA, not sure bout it..
Promise to get back to Cathryn by next week.
Friday, October 9, 2009
HLA - MRTA vs MLTA
Catherine from HLA called up on behalf of Chloe regarding the term assurance. She adviced me to go for MLTA as MLTA is relatively worthy as compared to MRTA. As calculated by her, for RM200k MLTA would only cost me RM160+/month. While for MRTA, it would cost me RM5k in 1 lump sum. The earlier i sign up for MLTA, the cheaper the payment. For MLTA, it will be the same monthly payment for the whole tenure if i were to sign up now. It is something like the insurance. I was worried about the high monthly payment as FP will only join me for the payment as early as next yr. But Catherine told me that with the lump sum of RM5k, i would be able to divide it into monthly payment for MLTA which would be enough for me to pay for years till FP financially stable. What she said has solved my worries as initially when i known about the Term Assurance, i was more into MLTA. I will further discuss with FP. Most probably we will go for MLTA.
I have made an appointment to meet up Catherine on next monday (12/10) at McD Petronas Sg Besi. Her contact no is 012-6780160.
I have made an appointment to meet up Catherine on next monday (12/10) at McD Petronas Sg Besi. Her contact no is 012-6780160.
Wednesday, October 7, 2009
HSBC Housing Loan
We have signed the Loan Agreement with HSBC. PIC from HSBC is Jennifer Chee and Eric Lim from Yee How & Tan Solicitor. The details for the Loan agreement would be:
1. Loan amount = RM205,920
2. Interest Rate = BLR - 2.25 %
3. Loan Period = 30years
4. Monthly Admin Fee = RM10
5. Cheque Book = RM7.50/50pcs
6. RM100 for Mortgage Account Opening
7. Lock in period = 7 years
8. Monthly payment = RM902 (BLR = 5.55%)
The legal fee is around RM3950+ before the 1st buyer 50% discount. After discount would be ard RM3.5K...
The loan is considered settled. Now just wait for further notice...
AJ...
1. Loan amount = RM205,920
2. Interest Rate = BLR - 2.25 %
3. Loan Period = 30years
4. Monthly Admin Fee = RM10
5. Cheque Book = RM7.50/50pcs
6. RM100 for Mortgage Account Opening
7. Lock in period = 7 years
8. Monthly payment = RM902 (BLR = 5.55%)
The legal fee is around RM3950+ before the 1st buyer 50% discount. After discount would be ard RM3.5K...
The loan is considered settled. Now just wait for further notice...
AJ...
Monday, October 5, 2009
Sales and Purchase Agreement (SPA)
Last sunday we made an appointment with the developer's solicitors to sign the SPA which normally people will mention as S&P. The assigned solicitor firm is K.E.Ooi & Partners and the lawyer attended was Pn.Noran Binti Mokhtar Bazin. We have signed 8 copies of SPA which includes 2 types of doc which is the deed and the form H, both original and duplicate copies. The original copy and 1 duplicate copy will be given to us as the developer needs to sign it as well. With the original copy, we need to pass to bank solicitor which they will process the housing loan and keep it. That will be the last time we see it untill the loan payment ends. If we wished to apply for EPF to pay the housing loan, the EPF would need to see the original copy before we handed to the bank.
Not much to know about the agreement. The property is still under the development untill the Strata is approved by the government. This could take few months and up to 5 yrs. But if we wish to transfer the property, a consent from the developer will be required and enough to prove the ownership. The property needed to be finished by developer and handed to buyers within 3yrs from the date of signing of SPA. Developer will be charged 8%/day for late delivery. When developer handover the keys to the buyers, the buyers need to issue complain for any defect of the property within 14days. When the handover occured, the buyer will check the property together with the developer. Any defect needed to be fixed or miss out of items, charges are bared by the developer. The buyers still can issue complains on defects within 18mths from the handover and issue made after that will not be bared by the developer.
I have decided to take on HSBC HomeSmart which is a Flexi Home Loan. BLR -2.2%. Contacted the PIC Ms Jennifer and she promised to prepare the doc and arrange for signing within this week.
Not much to know about the agreement. The property is still under the development untill the Strata is approved by the government. This could take few months and up to 5 yrs. But if we wish to transfer the property, a consent from the developer will be required and enough to prove the ownership. The property needed to be finished by developer and handed to buyers within 3yrs from the date of signing of SPA. Developer will be charged 8%/day for late delivery. When developer handover the keys to the buyers, the buyers need to issue complain for any defect of the property within 14days. When the handover occured, the buyer will check the property together with the developer. Any defect needed to be fixed or miss out of items, charges are bared by the developer. The buyers still can issue complains on defects within 18mths from the handover and issue made after that will not be bared by the developer.
I have decided to take on HSBC HomeSmart which is a Flexi Home Loan. BLR -2.2%. Contacted the PIC Ms Jennifer and she promised to prepare the doc and arrange for signing within this week.
Home Dec 2009
Last Sunday we visited Home Dec 2009 held at KL Convention Centre yesterday. This is our 1st visit to such home exhibition other than IKEA. The exhibition is really out of our expectation. We manage to survey about many things that we needed to deco and furnish our new condo. The items are as below:
1. Hood and Hob - Pacific, Teka and Elba. We had had a short lesson about this. New model now comes together with Autocleaning which would help you to clean it without extra work like removing the filter cage and so. During HomeDec, they offers free ducting and installation as well. Elba would be the cheaper brand. now there 3 types of hob:gas burning, induction and "delicooker". Mostly are still conventional gas burining but with safety features such as automatic gas supply disengaged when it doesn't detect temperature within time set. for induction, only stainless steel or aluminium pot can be used but now implemented with ceramic holder which alot wok to fit it as normally Asians use work except you are fine with frying pans and flat bottom pot. for "delicooker", pots made of all kinda materials can be used. all induction and "delicooker" comes with infrared touch buttons, digital displays, time and temp setting and so. But kinda expensive than i thought. Both Hood and Hob can range from RM1-3k.
2. Wooden Flooring - we intend to install wood flooring for our master bedroom as I'm kinda like it. Some nice exhibitors really explained a lot about what we need to know and their products. Though we still met up with 2 uncles which really bad in sales presentation. "if u really intend to implement, then you must not hesitate to sign up now, we really doing promotion and really damn cheap..." this is his initial approach and closing up as well. Really dislike kinda salesperson. Anyone can do sales now if this method works. So, basically there are few things to know. 3 kinda wood flooring, Solid wood, Laminated and engineered. Solid wood are made directly from the tree, using the natural print of the wood and with natural appearance. Laminated are compressed wood and the surface are printed design therefore every piece of flooring looks and colors are the same. For engineered flooring, it is type of laminated but the surface design are not natural look. it can be in any design. The technology is for flooring are quite advanced now, some you do not need to hack the original tiles and most of them done alot of protection again water leak and termites. still,it requires proper care for wood flooring. Wooden flooring range from RM1.80 - RM50/sgft. Mostly free installation but some have minimum sqft else there will be surcharge.
3. Shower head - this is the part where FP like the most. She kinda like the big head lotus shower head. But according to the exhibitor, this shower head is only applicable to centralized heater tank or if you are just ok with cold water. It doesn't apply to individual heater. Price range from RM200-300.
4. Grill and door - Checked out some grills and doors. The grills doesn't seem to be tailored for condo grills. Mostly are automated gates. For doors, i think we can temporarily skip as the condo has it own door already although it is not pretty. Price range from RM1.8k to RM3k.
5. Hanger for Clothes (for condo) - Condo doesn't has any space for clothes drying except balcony. So we definitely needed a hanger which can be lifted up or extendable. found only one booth which offers such product. It offers both extendable and hand-roll lift up type. we need both. Range from RM150 to RM300.
6. Kitchen cabinet - didn't check out many as the price really expensive starts from RM2k. But this is needed. Maybe will check out during next HomeDec Fair. All are tailored made, some even comes with automatic open/close function.
7. Wardrobe - Had a glance at few booths. Mostly are tailored made but the price are really high. No wonder ho thiam said better buy from IKEA but IKEA products are not really durable. Price starts from RM2k.
8. Shower Cubicle - made of tempered glass but not a necessary item. I would rather go for a shower curtain with tight budget. Range from RM1k to RM1.5k.
I have read thru the latest IKEA catalogue. There are some items really attracted me. But some really expensive. Might need to make a visit to IKEA when free. Really need to start to do researches first before the condo is handed over. Things such as Hood and hob and flooring really needed to decide before installing kitchen cabinet and bedroom accessories. Hopefully the developers are able to be on time, with no affect on the quality.
1. Hood and Hob - Pacific, Teka and Elba. We had had a short lesson about this. New model now comes together with Autocleaning which would help you to clean it without extra work like removing the filter cage and so. During HomeDec, they offers free ducting and installation as well. Elba would be the cheaper brand. now there 3 types of hob:gas burning, induction and "delicooker". Mostly are still conventional gas burining but with safety features such as automatic gas supply disengaged when it doesn't detect temperature within time set. for induction, only stainless steel or aluminium pot can be used but now implemented with ceramic holder which alot wok to fit it as normally Asians use work except you are fine with frying pans and flat bottom pot. for "delicooker", pots made of all kinda materials can be used. all induction and "delicooker" comes with infrared touch buttons, digital displays, time and temp setting and so. But kinda expensive than i thought. Both Hood and Hob can range from RM1-3k.
2. Wooden Flooring - we intend to install wood flooring for our master bedroom as I'm kinda like it. Some nice exhibitors really explained a lot about what we need to know and their products. Though we still met up with 2 uncles which really bad in sales presentation. "if u really intend to implement, then you must not hesitate to sign up now, we really doing promotion and really damn cheap..." this is his initial approach and closing up as well. Really dislike kinda salesperson. Anyone can do sales now if this method works. So, basically there are few things to know. 3 kinda wood flooring, Solid wood, Laminated and engineered. Solid wood are made directly from the tree, using the natural print of the wood and with natural appearance. Laminated are compressed wood and the surface are printed design therefore every piece of flooring looks and colors are the same. For engineered flooring, it is type of laminated but the surface design are not natural look. it can be in any design. The technology is for flooring are quite advanced now, some you do not need to hack the original tiles and most of them done alot of protection again water leak and termites. still,it requires proper care for wood flooring. Wooden flooring range from RM1.80 - RM50/sgft. Mostly free installation but some have minimum sqft else there will be surcharge.
3. Shower head - this is the part where FP like the most. She kinda like the big head lotus shower head. But according to the exhibitor, this shower head is only applicable to centralized heater tank or if you are just ok with cold water. It doesn't apply to individual heater. Price range from RM200-300.
4. Grill and door - Checked out some grills and doors. The grills doesn't seem to be tailored for condo grills. Mostly are automated gates. For doors, i think we can temporarily skip as the condo has it own door already although it is not pretty. Price range from RM1.8k to RM3k.
5. Hanger for Clothes (for condo) - Condo doesn't has any space for clothes drying except balcony. So we definitely needed a hanger which can be lifted up or extendable. found only one booth which offers such product. It offers both extendable and hand-roll lift up type. we need both. Range from RM150 to RM300.
6. Kitchen cabinet - didn't check out many as the price really expensive starts from RM2k. But this is needed. Maybe will check out during next HomeDec Fair. All are tailored made, some even comes with automatic open/close function.
7. Wardrobe - Had a glance at few booths. Mostly are tailored made but the price are really high. No wonder ho thiam said better buy from IKEA but IKEA products are not really durable. Price starts from RM2k.
8. Shower Cubicle - made of tempered glass but not a necessary item. I would rather go for a shower curtain with tight budget. Range from RM1k to RM1.5k.
I have read thru the latest IKEA catalogue. There are some items really attracted me. But some really expensive. Might need to make a visit to IKEA when free. Really need to start to do researches first before the condo is handed over. Things such as Hood and hob and flooring really needed to decide before installing kitchen cabinet and bedroom accessories. Hopefully the developers are able to be on time, with no affect on the quality.
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