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        <title>Lowyat.NET: Latest topics by GibsX</title>
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        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Sun, 26 Jul 2026 12:37:11 +0800</lastBuildDate>
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            <title>Can we use lamp point for remote ceiling fan?</title>
            <link>http://forum.lowyat.net/topic/4678126</link>
            <description>Hi,&lt;br /&gt;&lt;br /&gt;As per subject, just want to hear some opinions. We&amp;#39;ll get keys for our new house in couple of months. We have seen the show unit already and ceiling fan points only available at hall and masterbedroom and not with the other two rooms.&lt;br /&gt;&lt;br /&gt;The other two rooms got 1 electrical point which supposedly for ceiling lamp (without fan hook). I&amp;#39;m not familiar with electrical thingy but is it possible to use the existing lamp point to install remote ceiling fans, since the remote one don&amp;#39;t need control box attach on the wall? Will the amp suffice?&lt;br /&gt;&lt;br /&gt;Thanks for your comments&amp;#33;</description>
            <author>GibsX</author>
            <category>Home Renovations and Interior Design</category>
            <pubDate>Sun, 21 Oct 2018 18:12:13 +0800</pubDate>
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        <item>
            <title>Help me choosing house loan</title>
            <link>http://forum.lowyat.net/topic/4626714</link>
            <description>Hi All,&lt;br /&gt;&lt;br /&gt;Right now I&amp;#39;m contemplating to choose from this two housing loans:-&lt;br /&gt;&lt;br /&gt;a) Maybank&lt;br /&gt;Type: Semi flexi Islamic (full loan)&lt;br /&gt;Loan amount: rm230k + rm10k (mrtt)&lt;br /&gt;Interest: 4.7%&lt;br /&gt;Monthly payment: rm1170&lt;br /&gt;&lt;br /&gt;b) MBSB&lt;br /&gt;Type: Non-flexi Islamic (full loan)&lt;br /&gt;Loan amount: rm230k + rm7k (mrtt)&lt;br /&gt;Interest: 4.7%&lt;br /&gt;Monthly payment: rm1155&lt;br /&gt;&lt;br /&gt;MBSB offer free legal fees up to 6k. But I feel that since it is a non-flexi loan, maybe maybank still better? No?&lt;br /&gt;&lt;br /&gt;Please help me sifu..</description>
            <author>GibsX</author>
            <category>Property Talk</category>
            <pubDate>Fri, 27 Jul 2018 20:24:08 +0800</pubDate>
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            <title>Progressive payment for undercon project</title>
            <link>http://forum.lowyat.net/topic/4617203</link>
            <description>Hi..&lt;br /&gt;&lt;br /&gt;I&amp;#39;m thinking to buy an apartment (under construction project) which is near to completion.&lt;br /&gt;&lt;br /&gt;I understand that every undercon project requires you to pay certain amount to bank for progressive payment (that will eventually deduct your loan interest?) But my concern is, since the project is near completion, do I need to pay higher amount compare to someone who already made the purchase/sign s&amp;amp;p let say 2 years earlier than me?&lt;br /&gt;&lt;br /&gt;I heard about this rumours where whoever make later purchase need to pay more than someone who made the purchase earlier?? Is this true?? Anyone know how to calculate this?&lt;br /&gt;&lt;br /&gt;Also how long usually you need to pay the progressive payment after you already signed snp?&lt;br /&gt;&lt;br /&gt;Thanks&amp;#33;</description>
            <author>GibsX</author>
            <category>Property Q&amp;amp;A</category>
            <pubDate>Wed, 11 Jul 2018 22:00:47 +0800</pubDate>
        </item>
        <item>
            <title>Progressive payment for undercon project</title>
            <link>http://forum.lowyat.net/topic/4617164</link>
            <description>Hi..&lt;br /&gt;&lt;br /&gt;I&amp;#39;m thinking to buy an apartment (under construction project) which is near to completion.&lt;br /&gt;&lt;br /&gt;I understand that every undercon project requires you to pay certain amount to bank for progressive payment (that will eventually deduct your loan interest?) But my concern is, since the project is near completion, do I need to pay higher amount compare to someone who already made the purchase/sign s&amp;amp;p let say 2 years earlier than me?&lt;br /&gt;&lt;br /&gt;I heard about this rumours where whoever make later purchase need to pay more than someone who made the purchase earlier?? Is this true?? Anyone know how to calculate this?&lt;br /&gt;&lt;br /&gt;Also how long usually you need to pay the progressive payment after you already signed snp?&lt;br /&gt;&lt;br /&gt;Thanks&amp;#33;</description>
            <author>GibsX</author>
            <category>Property Talk</category>
            <pubDate>Wed, 11 Jul 2018 21:05:36 +0800</pubDate>
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