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        <title>Lowyat.NET: Latest topics by howbowdabagel</title>
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        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Sat, 10 Oct 2026 11:53:14 +0800</lastBuildDate>
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            <title>Ugly Bungalow vs. Ok Semi D vs. Nice Terraced</title>
            <link>http://forum.lowyat.net/topic/3154021</link>
            <description>As topic says, if everything else is equal, e.g price, neighborhood, area all the same. Which would you choose to buy for own stay? An ugly looking bungalow, a normal looking semi D, or a very nice looking terraced house?</description>
            <author>howbowdabagel</author>
            <category>Property Talk</category>
            <pubDate>Fri, 07 Mar 2014 12:08:23 +0800</pubDate>
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        <item>
            <title>Developer wants 10% deposit before applying loan</title>
            <link>http://forum.lowyat.net/topic/3151059</link>
            <description>I plan to buy a completed house from the developer. But the developer wants me to pay a 10% deposit then only apply for bank loan, then sign the S&amp;amp;P. I told him what if I pay 2 or 3% booking fee, then apply loan and once the loan is approved I would pay the remaining 7 or 8% and sign S&amp;amp;P but he said no.&lt;br /&gt;&lt;br /&gt;I ask what if my loan is not approved and he told me to check with bank first. I said I can check with bank but that does not mean 100% guarantee it will be approved later when I apply.&lt;br /&gt;&lt;br /&gt;Wondering if this is standard practice and if it is safe on my part? Please help.</description>
            <author>howbowdabagel</author>
            <category>Property Talk</category>
            <pubDate>Tue, 04 Mar 2014 18:02:41 +0800</pubDate>
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