你手头上有多少产业（包括屋和店）? 不管供完的没有。

mingshi

回复  mingshi


    ok ok， 真的是谢谢你的建议， 明天就去看我的offer letter。
cellowei 发表于 24-4-2012 08:38 PM

    = =

其实google pbb

check branch contact,也是一样的

mingshi

Inline image 5

Dear Mr/Mrs,
Thank you for your expression keen interest on our project of One South Seri kembangan.

LAUNCHIG ON 28th APRIL 2012


-One South project  preview-
> One south is an integrated project sitting on a 17.89acres land and separate to 6 phases development. The project planning and the concept of One South "ALL WORK, ALL PLAY, ALL THE WAY" offer you a live, work and play all in one place. There is 3 phase has been launched pass 2 years. Phase one is a happening street mall concept building comprises with 73 units of dual frontage shop retails cum alfresco parcel and 311 units office suites with flexible sizes ranging from 479sf - 2200sf. Following by phase 2 &3 in total of 795units of luxury service apartment which fully booked since 2011. And now, One south phase 4 are going to be launch a SoHo building namely Flexis@One South which studio and duplex size ranging from 475sf to 1201sf with pricing range from RM256,000 onwards and 44 units of centralized air-con retails lots cum alfresco parcel.We are proud to say that One South passed 3 phases is getting overwhelming result. Which phase 1 shop retails has been getting 100% sales booked/converted, phase 1 office suites 87% and following by phase 2 & 3 is 100% up to April 2012.

>
> -ICONIC LOCATION-
>
>
> One South@Seri Kembangan is located at Jalan Serdang Perdana with fully visible to KL Seremban Highway (PLUS) and easy access via major highway such as Sg. Besi Puchong Highway, Besraya Highway, SILK Highway, MRR2 , KESAS Highway, NPE, SKVE, Federal Highway and up coming SKIP Highway. Besides, the access road planned to direct access from PLUS and exit to PLUS has been approved by LLM. One South is surrounded by a long list of matured amenities and lifestyle destinations such as The Mines Shopping Centre, The Mines Resort & Golf Club, Palace of the Golden Horses, Selangor Turf Club, Nouvelle Hotel, Giant, Carrefour, Econsave, Jusco Cheras Selatan, Jusco Equine Park, banking street, Cheong Hin commercial hub, Universiti Putra Malaysia (UPM), SEGi College, Universiti Tenaga Nasional (Uniten), Multimedia University (MMU), Australia International School, International Medical University (IMU), Technology Park Malaysia (TPM), University Lim Kok Weng, International Stadium Bukit Jalil, Bukit Jalil Sports School, Bukit Jalil Golf & Country Club, Astro, Columbia Asia Hospital and the upcoming John Hopkins University. One South resident will also enjoy the shuttle bus service to Serdang KTM, Bukit Jalil LRT, Sg. Besi LRT stations and the future Serdang MRT station. Besides, The access road planned to direct access from and exit to KL Seremban Highway has been served.
>
>
>
>
> -COMPREHENSIVE PROJECT PLANNING-
>
>
>
>
> -PROJECT PHASE REFERENCE LINK-
>
> Phase1 STREET MALL reference link:
> http://www.iproperty.com.my/deve ... eview.aspx?pid=1490
>
> -Phase2 luxury service apartment (PARC@One South) reference link:
> http://www.iproperty.com.my/developments/1971/Parc_@_One_South
>
> Phase3 luxury service apartment (GARDENZ@One South) reference link:
> http://www.iproperty.com.my/deve ... -_Gardenz@One_South
>
> Latest Phase4 SoHo (Flexis@One South) reference link:
> http://www.iproperty.com.my/deve ... eview.aspx?pid=2314
>
>
> Inline image 8        Inline image 10
>
>
> -UNDERSTANDING FOR PROPERTY TYPE OF SOHO-
>
> Small office and Home office (SoHo) property is definitely gaining momentum in Malaysia. It's becoming a new trend in the market especially for young executives, networker and small business etc. SoHo is fall into residential category which protect by HDA.
>
> SoHo can either be perceived as a living area with complete office facilities and amenities such as a conference room, waiting lodge, business centre or an office space that provides all your out-of-office needs and privacy. Sometimes when you need to meet with clients, having them over in your house isn't appropriate and in such situations, having an office would be better. It's does not make sense if going to be a hassle for your clients to come to you. You would have to go out of your way to meet your client rather than to have the convenience for them to coming to you. However, reckons that SoHo buyer would be more comfortable working outskirt from the KL city centre. SoHo also provide flexibility in the daily working schedule and for those who need quiet environment and dislike the noisy surrounding which will effect the concentration on their work would definitely prefer SoHo as their office.
>
> Inline image 11      
>
> SoHo user also enjoy the convenience and flexibility so they can be work and live within the same space. The concept also applies to people who convert part of their home into an office also is a growing trend with sole proprietors or small partnerships. Plus there's no overhead cost or rentals to worry about. With the internet, you can work from virtually anywhere. While working you could still manage the house and do the cooking. You can even work till midnight and not have to worry about security issues.
>
> The location of the SoHo is VERY IMPORTANT.
>
> SoHo buyers are usually those who are more comfortable working outside the city center. Thus, the location of SoHo is very important.  The ideal location of SoHo would be outskirts city center, direct link to major expressway and near public transportation such as commuter, LRT or monorail station with shuttle bus and ample parking space. It's definitely makes sense to work in the city within a business environment and having your business partners nearby.
>
> Location need to be around matured amenities. Otherwise it's going to be tough! But ultimately, it all depends on both the product and the location of the property.
>
> The trend of SoHo in Malaysia started 4-5 years ago due to the emerging young executives working estates. As the new culture of working emerges that includes flexible working hours, limited service workers, connection all around the world and service-based business, SoHo has become a hit among these young executives.
>
> One of the reason for good demand for SoHo is high cost of office rental and housing price is getting higher and higher each year, whilst the volume of business and the cash in flow is becoming hard to predict, SoHo is becoming a good idea for small company business plan which might need small office with 500 to 1,000 square feet of office space to accommodate 1 to maybe 5 staffs only.  They can also customize the SoHo office to suit the functionality, performance and aesthetic aspects of their  businesses. It allows young business owners a more private but compact and efficient space to express their brand and to grow their businesses.
>
> Inline image 12
>
>
> Traffic congestion in urban area is another reason why more people are going for SoHo concept.  Traffic congestion is getting worst everyday and sometimes it takes more than an hour to get to the work place and going into the city area is even worst. People want to avoid traffic jam and want to save the time and energy to focus on maximum productivity especially those who are in their own business. The growth of  information technology (IT) provide the flexibility to individual from virtually anywhere.  Certain department such as human resource and support service don't have to face public or clients everyday, thus these department can be located in some other place, where rental is cheaper.
>
>
> -TRUSTED DEVELOPER-
>
> Prop Park Sdn Bhd, a fully owned subsidiary company of HUAYANG Bhd. HUAYANG is a trusted and public listed company in main board bursa Malaysia (stock code: 5062) since 2002. And come with more than 33 years experience in property industry. Pass over the years, HUAYANG Bhd has completely built more than 10,000 property in Malaysia in state of Perak,Johor and Klang Valley amounting to 1.5billion gross development value. Huayang is created a SOLID REPUTATION, TRUSTWORTHY, RESPONSIBILITY and RELIABLE Developer in Malaysia.
>
>
> You may check out reference link as below too:-
>
>
> -News for open direct exit road to PLUS highway:
> http://mykampung.sinchew.com.my/node/179008?tid=6
>
> -Robust outlook for Sg.Besi:
> http://biz.thestar.com.my/news/s ... 01&sec=business
>
> -One South 3D video presentation:
> http://www.youtube.com/watch?v=qMk5PN6fMH4
>
> -MRT lane reference link (video):
> http://www.youtube.com/watch?fea ... d&v=Q2ogDAvnT0M
>
>
One South sales gallery:

G-36-38, JALAN SP5/3
SERDANG PERDANA
43300 SERI KEMBANGAN
SELANGOR D.E
Tel: 012-2056586 Fax: 03-89458871

mingshi

kl 这个project 如何？

cellowei

回复 541# mingshi


    从你那边知道， 比较准确吗。。。

mingshi

回复  mingshi


    从你那边知道， 比较准确吗。。。
cellowei 发表于 24-4-2012 09:44 PM

    什么准确？

cellowei

回复 545# mingshi

从你那边知道怎么样跟Banker 谈，

感觉比较有保障。。

因为你在PXB做工嘛。。。

mingshi

回复  mingshi


从你那边知道怎么样跟Banker 谈， 感觉比较有保障。。因为你在PXB做工嘛。。。:rf ...
cellowei 发表于 24-4-2012 10:39 PM

    一样的拉


或者direct去branch sign name 要 revise rate (loan 2name = 2 person sign）

披狼皮的羊

你可以去genting pk
mingshi 发表于 24-4-2012 08:08 PM

    我都沒進過賭場 pun,,...

cellowei

回复 547# mingshi

我刚刚call我的banker， 厉害的咯， 他说我的loan amount很小，

不可能revise我的interest的。。

NewbieFutures

回复  mingshi


我刚刚call我的banker， 厉害的咯， 他说我的loan amount很小，不可能revise我的inter ...
cellowei 发表于 25-4-2012 12:31 PM

你可以和banker check 一下，如果你申请cash topup loan的话可以借多少，然后用这个cash topup loan去还你的第一loan，但是你要算一算省的利息够cover 你的律师费和valuer fee.

cellowei

回复 550# NewbieFutures
   

谢谢你的分享， 看来我要跟我的banker好好商量一下（但是看起来他不会给我什么好建议的咯）

Cash top up loan的概念， 是不是“用existing loan来申请新的loan？”

比方我的loan， 去年一开始是173k， 现在的balance是150k， BLR-1.8%=4.8

如果我申请cash top up loan 150k （BLR-2.4%)

然后用那个刚刚借回来的150k settle 4.8% 的那个loan，

然后重新以BLR-2.4% 来loan150k？

NewbieFutures

回复  NewbieFutures
    谢谢你的分享， 看来我要跟我的banker好好商量一下（但是看起来他不会给 ...
cellowei 发表于 25-4-2012 01:00 PM

假设你借了２００k （BLR －1.8％）,现在还欠１５０k.最新的valuation你的屋价是３５０k因为你有装修和那一带有人成交那个价钱。那么假设你的银行借你80％cash topup loan （BLR - 2.4％）.你可以额外借到（350k x 80%)-150k = 130k。这个130k算是另一个loan来得，但是是同一个银行.

必须还律师费，valuation fee，MRTA/MLTA。

必须考虑是否需要买mrta/mlta，看你的需求和你之前买的是mrta还是mlta。mrta的sum insured 会每年减少，mlta不会减少。mrta如果没有错的话是不可以transfer，必须terminate掉再买过给第二个loan.而且以前的mrta没有保36 critical illness.所以我自己会考虑买mlta with 36 critical illness.Sum Insured 会考虑稍微大点如果将来有买新车或新屋子的打算。人死了，一了百了，活着的人会很痛苦和无助

如果只是借了为了settle第一loan因为要省利息，那么你就必须算一算划不划了，0.6％虽然看来一年不多，但是是compound interest来的，那个威力相信你是懂的。。

如果借了用在其他用途的话，我能说的是BLR 6.6％ - 2.4％ ＝ 4.2％，这么低的利息去那里找？汽车虽然可以低到2.4x%，但是是straight line method。我算过还是cash topup loan便宜，尤其你apply 的 cash topup loan是 flexi loan，省得更多如果每个有多余的钱存入link a/c.需要时还可提出，hire purchase就不可以了。

cellowei

回复 552# NewbieFutures

我明白你的意思了， 真的很谢谢你的解释，

我长知识了。。

赞一个给你！

NewbieFutures

回复  NewbieFutures

我明白你的意思了， 真的很谢谢你的解释，我长知识了。。赞一个给你！{ ...
cellowei 发表于 25-4-2012 01:39 PM

纯粹分享我懂的。。

mingshi

我都沒進過賭場 pun,,...
披狼皮的羊 发表于 25-4-2012 09:08 AM

    可以去try

mingshi

回复  mingshi


我刚刚call我的banker， 厉害的咯， 他说我的loan amount很小，不可能revise我的inter ...
cellowei 发表于 25-4-2012 12:31 PM

    哦，忘了

revise rate 是market 的0.3-0.4%差价

披狼皮的羊

可以去try
mingshi 发表于 25-4-2012 07:03 PM

    走。。我們巴巴朗一起去。。。

cellowei

回复 556# mingshi


    什么意思

mingshi

走。。我們巴巴朗一起去。。。
披狼皮的羊 发表于 26-4-2012 07:47 AM

    时间?

mingshi

回复  mingshi


    什么意思
cellowei 发表于 26-4-2012 11:42 PM

    就是

比如market 给 b-2.20%

可以revise到 1.80-1.9%

以前的loan 有的b+0
b-1%等