I guess most of you would have known by now, RGPT of 5% is back. Looks like there are more considerations to be done whether to sell off or renting out current house.
We're very excited about Balik Pulau house though, thinking of the peaceful life, better air quality and hopefully the highway will be ready for shorter time to workplace. Let's cross our fingers and hope some type of super/ hyper market, be it Sunshine or Giant or Tesco or Careffour will set its presence in Balik Pulau. When ppl hear that we plan to move to BP when Palmyra is ready, their first expresssion, "So Far!!!! Are you sure????" Ya, that is currently my worry as well, but think positive!
I'm sorry that there have been no updates, too busy to go to the site for some photos on project progress. To the readers, pls send in any photos if you have, due acknowledgement will be given!
Monday, October 26, 2009
Thursday, October 1, 2009
RM5!
We had to go to the developer's office in Jelutong today because we "owe" the developer RM5 from the initial 5% payment. This is due to the difference in calculation method between the bank and us, where the bank performs rounding. Haih.. the Belleview lady told us that she had to call another buyer who "owe" them RM1!
Anyway, we were informed that there are still few units left, but the price of 20X62 is around RM416k now (~20k increase from my purchase price).
For those readers who have some photos on the latest site update, do email it to us at emandjay@gmail.com so that we can share to the rest of the future neighbours :)
How I wish developers can install some CCTV at their site so that anxious buyers can constantly view the site development, instead of driving all the way there. It's a good practice though before you actually move in and need to travel that far everyday :)
Hubby and I are hoping that some type of supermarket/ hypermarket, be it Sunshine, or Careffour to launch its presence in Balik Pulau. It will be perfect then!
Anyway, we were informed that there are still few units left, but the price of 20X62 is around RM416k now (~20k increase from my purchase price).
For those readers who have some photos on the latest site update, do email it to us at emandjay@gmail.com so that we can share to the rest of the future neighbours :)
How I wish developers can install some CCTV at their site so that anxious buyers can constantly view the site development, instead of driving all the way there. It's a good practice though before you actually move in and need to travel that far everyday :)
Hubby and I are hoping that some type of supermarket/ hypermarket, be it Sunshine, or Careffour to launch its presence in Balik Pulau. It will be perfect then!
Friday, September 25, 2009
SnP signed by Developer
We received out copy of SnP from the lawyer's office yesterday. Developer signed the SnP on 9th Sept 2009, let's wait for 2 years from now on. Signed lotsa documents on bank loans also.
Basically, we're quite disappointed by the "post-sales" customer service given by the EON Bank agent. We had to sms him for updates instead of vice versa. He promised to contact us to deliver us the cheque book, but no news until we received a letter informing us to collect it by a certain date before it gets cancelled. There is again extra charges of RM7.50 for the cheque book.
Lesson learnt: Don't limit yourself to a partner bank in the beginning. Give a chance to the other bank which may offer the same rate, but their level of service maybe different (better?)
Basically, we're quite disappointed by the "post-sales" customer service given by the EON Bank agent. We had to sms him for updates instead of vice versa. He promised to contact us to deliver us the cheque book, but no news until we received a letter informing us to collect it by a certain date before it gets cancelled. There is again extra charges of RM7.50 for the cheque book.
Lesson learnt: Don't limit yourself to a partner bank in the beginning. Give a chance to the other bank which may offer the same rate, but their level of service maybe different (better?)
Wednesday, August 19, 2009
Palmyra site as of 16 Aug 2009
We made a trip to Palmyra's last Sunday and this is how it looks like now. Not too sure if this is considered progressing, feels like it looked the same a month ago, haha.
We just noticed that the back part of the house, facing the back lane does not have any solid door enclosing it. Can you imagine while going to the toilet at night, someone is standing at the back saying Hi to you from outside. Gosh! Definitely a need for reno!
We just noticed that the back part of the house, facing the back lane does not have any solid door enclosing it. Can you imagine while going to the toilet at night, someone is standing at the back saying Hi to you from outside. Gosh! Definitely a need for reno!
Friday, August 7, 2009
Bank Loan
We went to sign the letter of acceptance with EON bank for their Super Easi Flexi Loan. Apparently, one has to apply for a current account with this loan and minimum amount to open an account is RM500. Some "hidden cost & procedures" that we have discovered with EON's loan:
- RM10 monthly fee will be charged for each current account (RM3600 gone into thin air for a 30 years loan)
- Since you have a current account, most probably you want to view your transaction online. Then you need to apply an ATM card which charges RM8/ year
- Stamp duty of RM10 (one time deal)
- You are forced to apply for their credit card. It is stated in the loan offer letter. I think this is really unethical. How can you literally force people to apply for a credit card?
- You need to sign a blank form for Uni Asia fire insurance application. In case the developer (or you) fails to renew the fire insurance, they will "apply" the insurance for you and charge to your loan.
- MRTA charges go into Term Loan which you must start paying once loan takes into effect (Not when the house is completed)
We should have check out AmBank's loan offerings. Nevertheless, we still signed the loan offer letter, haha.
- RM10 monthly fee will be charged for each current account (RM3600 gone into thin air for a 30 years loan)
- Since you have a current account, most probably you want to view your transaction online. Then you need to apply an ATM card which charges RM8/ year
- Stamp duty of RM10 (one time deal)
- You are forced to apply for their credit card. It is stated in the loan offer letter. I think this is really unethical. How can you literally force people to apply for a credit card?
- You need to sign a blank form for Uni Asia fire insurance application. In case the developer (or you) fails to renew the fire insurance, they will "apply" the insurance for you and charge to your loan.
- MRTA charges go into Term Loan which you must start paying once loan takes into effect (Not when the house is completed)
We should have check out AmBank's loan offerings. Nevertheless, we still signed the loan offer letter, haha.
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