Lowyat.NET: Latest topics by marcusee

[WTA] personal housing loan / commercial loan

marcusee — Wed, 13 Oct 2010 23:28:49 +0800

if you have a registered company.
you will apply personal or commercial loan to buy house?

the con is: commercial loan interest rate higher than personal housing loan.
the pro is: you can pay less income tax due to commercial loan consider expenses.

[WTA]How much Cukai Pintu for landed property?

marcusee — Mon, 27 Sep 2010 14:35:19 +0800

hi,

i own a condo unit right now, the Cukai pintu is about RM400 for 6 months.
i feel like it's kind of expensive...
after i add up condo maintenance fee, sinking funk, fire insurance, Indah Water and Cukai Pintu.
it cost me RM283 x 12 = RM3396 per year.

so how much you pay for link / terrace house for all kind of fee occur...

coz i plan to own another unit but not sure go for condo or link house.

Sports Toto Fitness Center - BTS

marcusee — Mon, 05 Apr 2010 18:00:51 +0800

http://epaper.sun2surf.com/tuesday/pdf/theSun2010030908.pdf

Sports Toto Fitness Centre open for staff of Berjaya from 22nd Feb 2010 until end of March 2010, then the Fitness Centre will open to public on 1st April 2010.

so that's mean it just open for public on few days ago.

i just found their contact number : 03-2148 2626.
here is some info i got.

monthly fee: RM150 (unlimit) or RM100 (time limit 5.30pm - 8pm)
offer available now: Free joining fee and free 3 month
upfront payment: 3 months.
Admin fee: RM100

QUOTE

[addedon]April 6, 2010, 2:42 pm[/addedon]just went up there...premier 150rm (only diff is can go in anytime) /standard 100rm/month (5.30pm-8pm cant go in)no contract...minimum 3months..means must pay upfront..dis is like pay as you used...no joining fees for now...and 100rm processing fees...all the machine are new hehe.free weights area larger then cf lot 10 which is a plus..got squat rack..didnt check out the changing room coz its on the 2nd floor..hmmm tempting since my membership with ff going to end dis month..but cf give me a better rate just i dun like their free weights area too small...sigh..
[right][snapback]32973919[/snapback][/right]

ya, you are right.
the pro is all machine new and no contract.

con is a bit expensive if compare with other.

what happen if Seller decided cancel SPA

marcusee — Mon, 01 Mar 2010 17:09:47 +0800

dear senior,

pls advise:
if both buyer and seller already sign SPA.
but seller decided not to sell due to the value of the property up already?

btw, i'm the buyer.

earnest / booking deposit refundable?

marcusee — Mon, 22 Feb 2010 19:22:23 +0800

Dear All,

i paid booking fee on 5 weeks ago to the agent for 2nd hand condo,
before i pay the booking fee, i ask the agent whether i can get back my booking fee if the bank reject my loan and he said yes if i can prove it.

that's a clause on the "Offer to Purchase agreement" :

QUOTE

Earnest Doposit ......Shall be forfeited as compensation should I / We subsequently cancel / withdraw / abort or fail to proceed in this transaction for any reason whatsoever.

i apply housing loan from hsbc and standard Chartered within 1 week.
but after 4 week then only the bank told me my application is rejected.

may i know can i get back earnest / booking deposit in case i really fail to get loan from bank?
now i just apply loan from CIMB, Alliance and Public bank.
hopefully can appove on next week.

so my question is here:
am i really can't get back my booking fee even my loan was rejected by bank ?

if it's true then i think it's really unfair to the buyer...
if the buyer loan is rejected by bank.
it's mean the buyer is not a rich person.
but a "not rich / poor" people like us have the bear the rick of "non-refundable booking fee"!

before this i already try to ask the bank whether i'm qualify to gain housing loan,
coz i was afraid i'm not qualify to apply.
but bank said must get the "Offer to Purchase agreement" before they verify you applicable or not.

Thaipusam Festival Batu Cave

marcusee — Fri, 29 Jan 2010 15:55:41 +0800

i plan to go Batu Cave on tomorrow for Thaipusam Festival.
when should i reach there to avoid i miss the best part of ceremonious?
and where should i part my car ?
coz i think over there must be super jam...

which bank provide lower car loan ?

marcusee — Wed, 27 Jan 2010 03:17:17 +0800

let's cut it short.
i just to decide to buy a new car.
after downpayment the loan will be 100k.
i prefer to settle it within 5 year.

the salesman told me the interest rate for 5 year loan is 2.7% or 7 year is 2.8% , one day before this just another salesman quote me 2.74% for 5 year loan.
it's there any bank provide lower rate ?

i has done some calculation and come out some conclusion:

due to car loan is based on fixed rate.

after you paid 20% of your loan (mean 1 year).
you interest suppose only 80k x 2.7% = RM 2160 for second year
but it still count as 100k x 2.7% = RM2700

RM 2 700 x 5 year = RM 13 500

however, if you add up another 10k for down payment.
means you only borrow 90k for car loan.

90k x2.7% = RM 2 430
RM 2 430 *5 = RM 12 150

it's mean you save up RM1350 (13500 - 12150) for 5 years of interest.

RM 1350 / 5 year = RM270 per year

so your extra 10k for down payment save you RM270 for interest.

but if you are add RM20k for down payment.
you save up RM540 for interest per year.

however, the current fixed deposit interest for bank is 2.5%
so the bank only earn 0.2% from the different.

correct me if i'm wrong.

if it's true.
then i rather go for it for 9 year loan.
since the different just so little and i can have more cash for cash liquidity / inverstment.
maybe the interest is 2.9% for 9 year, but it still only 0.4% extra then fixed deposit.

anyone can tell me pls ?

Notebook Laptop Adapter Acer Apple HP Compaq Dell

marcusee — Thu, 22 Oct 2009 12:21:29 +0800

All model of Laptop / notebook AC Adapter for:
-Apple
-Acer
-Asus
-Dell
-Fujitsu
-HP Compaq
-Lenovo IBM
-Sony
-Toshiba

Dealing method: self-collect / post by courier

Location of seller: Pandan Indah

Contact method/details: 016-2090380

pls email : marcus.eks@gmail.com or pm me if you don't see your model on the list, we may be able to assist you in determining whether the adapter will fit or not with your laptop.

Apple
24V 2.65A 65W / 24V 1.875A 45W
connector tip: 7.5mm*2.5mm with pin

QUOTE

611-0226, 611-0228, 611-2101, 661-3048, 661-3049, 922-1202, A1021, ACAPP-D56, ACG4, AG28016CM01, M8243z/a, M8243za, M8457LL/A, M8457LLA, M8457Z/A, M8457ZA, M8482, M8576, M8576LL, M8576LL/A, M8942, M8942LL M8942LL/A, M8942LLA, M8943, M8943G, M8943G/A, M8943GA, M8943LL, M8943LL/A, M8943LLA

Compatible following Laptop models:

PowerBook G4 Series:
Apple iBook Series:
Apple iBook G4

16.5V 3.65A 60W
or

18.5v 4.6A 85W
connector tip: magnetic 5 PIN CONNECTOR

QUOTE

# A1184 / MA538LL/A / MA538LL/B / 661-4269 / 661-4485 / 661-3957
# Most Apple MacBook 13" Laptops
Most Apple MagSafe MacBook PRO Laptops
Most Apple MacBook Pro 13" Laptops
# MacBook 13" 1.83/2 GHz Core Duo
MacBook 13" 1.83/2.16 GHz Core 2 Duo
A1172, 661-3994, ADP-90UB, 611-0377, 661-4259, MA357LL/A
Model: Fits APPLE 15" and 17" MacBook Pro

Acer

19v 3.42a 65W / 19v 4.74a 90W
connector tip: 5.5*2.5mm / 5.5*2.1mm / 5.5*1.7mm

QUOTE

Part Number(P/N): *

Toshiba PA3396U-1ACA, PA3467 PA3467U PA3467U-1ACA SADP-65KB
ACER PA-1650-02 PA-1700-02, ADP-65DB, LC-T2801-006, LC.T2801.006, LC.ADT01.001 or AP.T3503.002. PA3396U-1ACA PA3467U-1ACA PA-1650-01 PA-1600-06D1 PA-1480-19Q
Gateway PA-1650-01

Compatible Model: (Please press "Ctrl" + "F" on your keyboard to find your model)
Acer Aspire
Aspire 1200
Aspire 1410 (1414WLCi)
Aspire 1640 (1642WLMi)
Aspire 1650
Aspire 1680 (1681LCi, 1681WLCi, 1681WLMi, 1683WLMi, 1684WLMi, 1685WLMi)
Aspire 1690 (AS1690LCi, AS1690WLCi, AS1690WLMi, AS1691WLCi, AS1691WLMi, AS1692WLMi, AS1694WLMi)
Aspire 2000, 2010, 2020
Aspire 3000 (3002LCi, 3002WLCi, 3002WLMi, 3003WCi, 3003WLCi)
Aspire 3030
Aspire 3500 (3502LCi, 3502NLCi, 3502WLCi, 3503LCi, 3503WLCi, ZL6)
Aspire 3600 (3603WXCi, 3603WXMi, 3602NWXM, 3603WXCi 3603WXMi, 3603NWXM 3603NWXMi, 3603XCi, 3608NWXCi, 3608WXCi 3608WXMi)
Aspire 3610
Aspire 5000 (5002LMi, 5002WLMi, 5004WLMi)
Aspire 5030, 5510
Aspire 9100

Acer Travelmate
TravelMate 2xx-Series: (200DX / 200T / 201 / 201T / 202 / 202T / 210 Series / 210 / 210T / 210TER / 210TXF / 211 / 211T / 212 / 212T / 212TE / 212TXV / 213 / 213T / 213TX / 213TXV / 220 / 222 / 223 / 225Series / 222X / 223X / 223XC / 223XV / 225X / 225XC / 225XV / 230 / 233 / 234 Series / 230XC / 230XV / 230XV-PRO / 233LC / 233X / 233XV / 233XVi / 234LCi / 260 / 261 Series / 261XC / 261XV Series / 260 / 261Series / 261X / 261XC / 261XV / 270 / 272 / 273 / 275 Series / 270XV / 272LC / 272X / 272XV / 272XVi / 273X / 273XV / 275LC / 280 / 281 / 283 Series / 281XC / 281XV / 283LC / 283LCi / 283XV / 283XVi / 290Series / 290LC / 290LCi / 290LMi / 290XCi / 290Xi / 290XMi / 290XVi / 291LCi / 291LCi-G / 291LMi / 291LMi-G / 291XCi / 291XCiH / 292LC / 292LCi / 292LM / 292LMi / 293LCi / 293LMi)

TravelMate 3xx-Series: (310 / 311 / 312 / 313 / 314 Series / 310T / 311T / 312T / 313T / 314T / 320 Series / 330 / 332 / 333 Series / 330T / 332T / 333T / 340 / 341 / 342 / 343 Series / 340T / 341TV / 342T / 343TV / 345 / 347 Series / 345T / 347T Series / 350 / 351 / 352 / 353 / 354 Series / 350TE / 350TE-N / 351TE / 351TEV / 352TE / 353TE / 353TEV / 354TE / 354TEV / 360 / 361 / 364 Series / 361EVi / 364ECi Series / 365 Series / 370 Series / 371LCi / 371LMi / 371TCi / 371TCi XP / 371Ti / 371TMi / 370 Series / 371LCi / 371LMi / 371TCi / 371TCi XP / 371Ti / 371TMi)

TravelMate 5xx-Series: (512DX / 512T / 512TE / 512T-64 / 513DX / 513T / 514T / 514TXV / 515TE / 516TE / 517TE TravelMate 53x-Serie: 530LC / 530LCi / 530XC / 530XCi / 530XV / 530XVi / 531LC / 531LCi / 531XC / 531XCi / 531XV / 531XVi / 533LC / 533LCi / 533XC / 533XCi / 533XV / 533XVi / 534LC / 534LCi / 534TL / 534XC / 534XCi / 534XV / 535LC / 535LCi / 536LCi TravelMate 540 Series / 540LCi / 540LMi / 541LC / 541LCi / 541LCib / 541LMi / 541XCi / 541XV / 542LCi / 542LMi / 543LCi / 543LMi )

TravelMate 6xx-Series: (600 / 602 / 603 / 604 Series / 610 / 611 / 612 / 613 / 614 Series / 610TXC / 610TXV / 610TXVi / 611TXC / 611TXCi / 611TXV / 612TXC / 612TXCi / 612TXV / 613TXC / 613TXV / 614TXVCi / 620 / 621 / 623 Series / 621LV / 621XC / 621XV / 623LC / 623LCi / 630 / 632 / 633 Series / 630XV / 630XCi / 632XCi / 633LCi Series/ 650LC / 650XC / 650XCi / 653LC / 653LCi / 653XC / 653XCi / 653XV / 654LC / 654LCi / 654XC / 654XCi / 654XV / 655LCi/ 660LCi / 660LMi / 661LC / 661LCi / 661LM / 661LMi / 661XC / 661XCi / 661XVi / 662LC / 662LCi / 662LM / 662LMi / 662XCi / 663LCi / 663LM / 663LMi)

TravelMate 7xx-Series: (720 / 722 / 723 Series / 720TX / 720TXV / 721TX / 722iTX / 722iTXV / 722TX / 723TX / 723TXV / 730 / 732 / 734 / 735 Series / 730TX / 730TXV / 732TLV / 732TX / 732TXV / 734TL / 734TXV / 735TLV / 736 / 737 / 738 / 739 Series / 736TL / 736TLV / 737TLV / 738TLV / 739GTLV / 739TLV / 740 / 741 / 744 Series / 740LVF / 741LVF / 744LCF)

TravelMate 80x-Series: 800LC / 800LCi / 800LCib / 800LMi / 800LMib / 800XC / 800XCi / 801LC / 801LCi / 801LCib / 801LMi / 801LMib / 801XC / 801XCi / 801XVi / 802LCi / 802LCiB / 802LMi / 802LMib / 802XCi / 803LC / 803LCi / 803LCib / 803LM / 803LMi / 803LMib / 803XCi / 803XVi / 804LC / 804LCi / 804LCib / 804LM / 804LMi / 804LMib

TravelMate 2300 (2301LC, 2301LCi, 2301WLCi, 2301XC, 2303LC, 2303LCi, 2303WLCi, 2304LCi, 2304WLCi, ZL1)
TravelMate 2310 (2312LCi)
TravelMate 2350, 2400, 2410
TravelMate 3000 (3002WTCi)
TravelMate 3210 (3213WXCi, 3213WXMi)
TravelMate 3220 (3220WXCi 3220WXMi, 3222WXCi, 3222WXMi)
TravelMate 3230
TravelMate 4000 (4000LCi, 4000WLCi, 4001LCi, 4001WLCi, 4001WLMi, 4002WLMi)
TravelMate 4020, 4050 (4052LCi)
TravelMate 4060
TravelMate 4500 (4501WLMi)
TravelMate 4100 (4100LCi, 4100LMi)
TravelMate 4150
TravelMate 6000 (6003LMi)
TravelMate 8000 (8002LCi, 8003LMi, 8006LMi)
TravelMate 8100 (8104WLMi, ZF1)

QUOTE

ACER Part Number
ADT01.008, AP.09006.004, AP.09003.009, AP.09001.005, AP.09001.003, AP.09000.001

Compatible Laptop Models: ***

Acer Aspire :
2000
2000LCI
2000LMI
2000WLCI
2000WLMI
3000
3000LC
3010
3020
3020LMI
3020WLMI
AS3020LMi, AS3020WLMi, AS3021WLMi, AS3022LMi, AS3022WLM, AS3022WLMi, AS3023LMi, AS3023WLM, AS3023WLMi, AS3025WLM, AS3025WLMi
3500
3500WLCi
3500WLMi
3600
3610
3610WLCI
3610WLMi
3630
3650
5020
AS5020LCi, AS5020LMi, AS5021LCi, AS5021LMi, AS5021NWLCi, AS5021WLCi,AS5021WLM, AS5021WLMi, AS5022NWLMi, AS5022WLM, AS5022WLMi, AS5023WLMi, AS5024LMi, AS5024WLCi
5020LCI
5020LMI
5022NWLMI
5022WLM
5022WLMI
5024LMI
5024WLCI
5024WLM
5024WLMI
5030
5040
5044
5500
5500Z
5590
5600
5602
5610
5610AWLMi
5610ZWLMi
5612AWLMi
5612WLMI
5612ZWLMi
5650
5670
5673WLMi
7000
7110
7111WSMi
7112WSMI
7500
7520
9100
9110
9120
9300
9300 5005
9300 5415
9410
9500
9502WSMi
9504WSMi
9510

Acer Extensa 2300

Acer Travelmate :
223
223X
223XC
223XV
2301
2302
2303
2310
2350
2352
2353
2400
2410
2420
260
270
280
290
290E
292LMi
3200
3220
330
340
350
360
370
380
4000
4000M
4001
4002
4051
4052
4053
4060
4100
4150
420
421
4200
4202
4202LMi
4202WLMi
4220
4400LMi
4401LCi
4403LMi
4500
4600
4650
4670
4672LMi
4672WLMi
505
506
507
508
514TVX
540
5400M
5672WLMi
6000
740
800
8000
8002LCib
8003LMiB
8100
8200
8202WLMi
8204WLM
8204WLMi
C100
C200
C300
C310
K550

i'm going to be Father! which hospital better?

marcusee — Mon, 19 Oct 2009 14:01:20 +0800

which hospital better for give birth at KL or Ampang area?
private or government?

when should i bring my wife for check up ?

i heard that's a solution to give birth nature natural but without pain by having a injection at the waist.
anyone heard about this ?

[WTS]Laptop Acer Asus Compaq Dell HP IBM Battery

marcusee — Sun, 30 Nov 2008 01:50:32 +0800

Notebook/Laptop

Battery

Acer Battery:

Acer Aspire 2920 3030 ,Acer TravelMate 2400 [4800mAh, 11.1V]