starboard cruise service

5439 — Sat, 23 Jan 2016 16:52:25 +0800

has anyone ever work in starboard cruise service? mind to share?

semi flex loan change to fully flexi loan.

5439 — Fri, 13 Sep 2013 16:13:39 +0800

hi all

i am thinking to change my home loan plan from semi flexi to fully flexi but afraid it will affect the BLR rate...
will bank increase the BLR rate as the pay back since fully flexi loan save more interest?

plan changing subject to bank approval , what will they consider to approve then?
i heard nowadays banks mostly offer semi flexi right?

BTW my bank is PBB.

Procedure of buying property under construction

5439 — Wed, 04 Sep 2013 00:45:10 +0800

hi there,

i m 1st time buyer and would like to ask more about the procedure of buying property under construction.

Property Type - Condo residential / Freehold
Property Price - RM532,500
Car Park - RM 30,000
Promotion - DIBS / 5% discount / free legal fee
Status - under construction to be complete on 2016
buy direct from developer using their solicitor.

i was informed to sign the S&P Within 21 days. otherwise the discount and DIBS will be withdrawn if there is any delay.

i applied both panel bank from developer which are PBB and UOB and got an answer from PPB today but only 70% margins is approved.

i am still waiting for UOB but the 21days period is approaching.
i am thinking to sign the S&P first to secure the discount and DIBS while waiting for UOB.

1) if only 70% loan is approved and i am not able to settle the remaining amount , can it be treated as loan rejected and terminate my S&P and get back the 10% deposit?

2) what to take note for signing S&P and DEED OF MUTUAL COVENANTS? can i have the document sign later or it must sign on the spot with the witness by solicitor?

3) after signing S&P , DMC and loan agreement , are there any else document need to be signed? as i am working abroad and only stay for 2 months each year, need to ensure all the document are signed before leaving, or can i authorize someone sign on behalf of me?

if the construction is completed , what will be the next step? how and when the title convert from master to strada? how much it would be charge then?

as the lawyer is from developer and i afraid he will not provide full info to me.....

thanks for your patient and need your kind advice

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starboard cruise service

semi flex loan change to fully flexi loan.

Procedure of buying property under construction