@ramy
Why I didn’t think of that before… so it’s sour grape people la~ Just hope future qualify buyer will not be confused by those sour grape people

@Dan
i just sign my snp last week. gv some confidence to Msummit. trust they wont gv us disappointed also la. New project coming soon too.

Hi future neighbour ! Want to ask anyone who took innovation package? Izit worth? As my parent said basically the innovation only cost fews k if excluded tiles. Anyone kindly advise about the upgrade package.

@ramy
Base on past project they built, so far didn’t see many bad comment. Just pray the affordable become reality and not proposal only ~ haha. O.O what project name? but can’t buy anymore~ haha

@Minions
It’s renovation not innovation~ haha Yea I took the package. They did itemised for the renovation package. Please check with them, Please consider this point though, currently they proposed 18k and 22k package. After 3 years, inflation happen about 3-6% per year so it should be cheaper if take now. I did ask my friend who is a renovation contractor he suggest to me to take the upgrade package.

They did show u the material they used when u visit the showroom and it’s quality and branded so it’s expensive. If you think it’s not worth it, then do not take the package as you can do when you received key from developer 3 years later but I believe that time the price should be around that price ba~ if you want gamble that the price is cheaper future, then do not take this upgrade package. Just my 2cent sharing.

Hi, for me i will not take the upgrade package as i worry the workship and quality. For my experience usually about 20k can get all those. It is still 3 years to go, i dont wan get my money stuck in house so much yet maybe i not going to stay at the house or i just come on weekends

@Dan
Hmm…im not sure for that….
My aunty received an invitation card yesterday for the new project presentation, have to make appointment 1st before going. is an investment project i think.

sour grape?

Never realize & try to think what is wrong, but only to put blame on customer.
Self-deception also drag the developer group’s reputation, want to make business, but talk like children

Seriously don’t understand some ppl here. If want buy lo. If dowan then wait for better project lo. Just sign spa with lawyer. Everything is black and white. What is there to cheat. BTW the air con compressor at the wash area is not really inside the wash area. Its outside the halangan. They will have a small wall separating it. And we need to put own grill.

@tiger
yes there will be halangan for wash area~ yea own grill as well~~~ but what they told me is for balcony there is no halangan~~~ what they tell u bout balcony there?

@ramy
u mean affordable project or non affordable project???

Dan :
@tiger
yes there will be halangan for wash area~ yea own grill as well~~~ but what they told me is for balcony there is no halangan~~~ what they tell u bout balcony there?

For balcony no choice la. Cannot put outside. The balcony air con is not a problem for me. I did not take the reno package though. No money.

Dan :
@ramy
u mean affordable project or non affordable project???

Its a non affordable . summit99. Near st Giles hotel. BTW I went to their office today. The staff said the Raman pavilion show house will be demolished to build new project show house soon. Those who want to see better go early see see

@tiger
For me also no problem. But other people i dun know. So better for u to verify my statement provided earlier.

tiger :

Dan :
@ramy
u mean affordable project or non affordable project???

Its a non affordable . summit99. Near st Giles hotel. BTW I went to their office today. The staff said the Raman pavilion show house will be demolished to build new project show house soon. Those who want to see better go early see see

Thanks for the information.

Lol. Dan.. u r such helpful and kind heart guy.. great to have neighbour like u. Hopefully u can become one of the committee in future so that we can make our ramah become better and better! Btw u from which block? So Sad because my budget only allow me to buy block B.. abit worry about lift problem as around 500 houses share 4 lift.. T. T

@Minions
Type B. So is block A. Thanks for the compliment. Blush now haha. 4 lift should be okay. Maybe packed abit for peak hours. I visit my sis in KL condo also around 500 units with 4 lift… kinda jam during peak hours. I went to stay with my sis because the place she rent near to my interview place.

@^.^
Ic. If I did not stay in RP in future or only come during weekends i also wont take reno package. But because i will stay in future in RP so better for me to take package.

Well all other future RP buyer. It’s for ur self to consider then.

BTW from the plan in sap I see got a lot of shop lots on the ground floor. That one they sell to whom? Or just give to management to handle? Pls don’t give to do pisang goreng or mamak stall.

@tiger
they r going to rent. to whom it is not sure. but i think mamak is one of them.

@Dan
i think you should created a whatapps group or fb group about RP, as you really know explain well.

Hi future neighbor,

What is the date of completion plus the date to get OC written on SPA?
Now I renting house, so the faster msummit give me key, the lesser month of rental I need to pay.

My relative who bought landed house in teluk kumbar, get key half year later than the date that the developer promised, I don’t want this happen to me 

@future buyer
Aiyo no need worry about delay, because if they delay they will pay you compensation subject if you sign the SnP (SPA) earlier the better. Btw, they promised 3 years but SPA is 4 years so worst case it 4 years from now. earliest by 2017 Sept, or latest by 2018 Sept. SPA did not mentioned date of completion or I missed out? haha Anyone can advise?

future buyer :
Hi future neighbor,
What is the date of completion plus the date to get OC written on SPA?
Now I renting house, so the faster msummit give me key, the lesser month of rental I need to pay.
My relative who bought landed house in teluk kumbar, get key half year later than the date that the developer promised, I don’t want this happen to me 

maximum 4 years i think.

I thought we able to move in at 2018 year end.. Anyone can advise normally take how long to obtain OC and move in after completion of project?

guys, I have a few questions that need clarification if you mind to share

1. How much is the total fee of SNP, stamping fee and etc?
2. i bought 1 additional car park and the developer told me that both of my car park would be side by side, i am not sure if this is true because my lawyer told me that it is not written in the SNP agreement.

Apart from that, i have nothing much to complaint about Ramah as I know this is an affordable house not a condo (but it does looks like a condo )

@Minions
SPA written is 4 Years, and it only take effect when developer stamp on your SPA after you sign. So the quicker you sign and they stamp, the SPA take effect earlier.

@Onlooker
Please read earlier comment… I mentioned twice for my case already.
1) SPA Fee for me is 2.3k++ for first time buyer ( after discount ), LOAN FEE for my 320k is 4.1k++, Maintenance fee also I highlighted earlier post… please read…
2) if you live below 11 floor, your car park is side by side, if you are above lvl 11, your car park will be 1 upper lvl and 1 lower lvl.

The house I renting now is rm1600 which is higher value than my instalment (lower value after add instalment with maintenance fees).
If I get house key after 4 years but not 3years, I will pay extra RM19.2k(1600×12) rental.
Really hope Msummit can complete the project and pass house key to us-the affordable house buyer EARLIER.
If really so, I will thanks this developer a lot…………………

@future buyer
Where you stay now?SO EXPENSIVE THE RENTAL!!! OMG

hopefully all RP fellow will happy and wealthy after staying..:)

@future buyer
where u rent??? wow…. even my parent place also 1k per month only….. yea hope they can give us 3 years. M Summit promised 3 years but they request state for 1 year extension cause this is affordable category ( I think they scare got payment issue from buyer kua ) so they extend. So total SPA is 4 years. OC I heard ppl said now is twice a year approval only. forgot is when and when d. If not wrong is March and Sept each year~~~ forgot d~

@yumi
scare to publish phone number over here~ lol

landed house that a short distance away from penang bridge, 5 rooms.

Even though now buying affordable house as we are still young, but we are the potential buyer of Msummit’s landed project in future also. If the building quality feel good after stay, will consider buy Msummit’s landed project.
Those front line staffs of ld3al that treat us-the affordable house buyer so rude are fail to foresee that we are the potential buyer of none-affordable project in future.

wonder among 759 total units, how many percent already sign SnP ?
i ask msummit staff before, feel like didnt get an amount of %.

yumi :
wonder among 759 total units, how many percent already sign SnP ?
i ask msummit staff before, feel like didnt get an amount of %.

last week they say block A almost sold off di.

how come SPA is 4 years ?
If it is residential condo units, then it has to follow KPKT Housing Development Act STD SPA format, Schedule H template is only 3 years.
And it is not up to state govt or developer but must follow STD SPA Schedule H one.
If simply 4 years, then can deliver only in 2019, buyers also cannot do anything.
If stamping only in 2016, can deliver only in 2020, buyers also cannot do anything.

@How Siao
I did mentioned earlier right, STD SPA is 3 years but developer request to state to extend for 1 more year~ so total is 4 Year. I’ve already signed SPA for 4 years and I have no issue about it, and developer words promised 3 years completion. If you not happy about 4 year SPA, please highlight to State ~~~

@lala
haha..sold out..sure ke?

@Dan

You still don’t understand. Read Schedule H ‘s Time for Delivery of Vacant Possession, Clause 26. It has to be 36 calendar months. No one is allowed to change the std clauses in Schedule H since it is a template, except lawyer to fill in the relevant info in it and also to fill in FIRST to FIFTH SCHEDULE. If it not using Schedule H, then it is not residential strata title.
Are you sure the developer request to state govt to extend for 1 more year ? really ? or the developer simply quote the state govt name ? State govt also cannot change schedule H or give extension. Only KPKT can grant extension lah but rarely.

read below also :
https://forum.lowyat.net/topic/3434156/all

@Dan

U memang how siao, it seems that every complain from customer over here also u will reply “I have no issue about it”(base on your earlier comment). U r like no any requirement on buying thing. If u r not concerning about other people’s concern, just don’t do any feedback but not keep banding people’s comments. If u r so kind hearted that semua u pun tak apa, u go donate money & do charity lah.
i agree with “how siao” & “future buyer”. We people no house to stay, so we need the house to be completed by 3 years, else, people who renting house like me is just helping those rich fellow who buy house for investment purpose to pay monthly instalment for them. Those rich people are using our money to install & earn a house, tenants are losing money by paying monthly rental, yet need to pay instalment for new bought house.
Maybe u r 1 of the rich fellow that RP is 1 of ur property which u apply through ur family member who have no property yet, u r not paying rental and staying other people’s house, so u don’t have any concern like how other 1st house buyer worry; or, I really doubt that u r 1 of the developer

Hi dude, today i saw news mentioned about most of the private developer was nt received any approval from government to start their project and caused many buyer unable to sign their snp.. Shouldhwe feel lucky as we at least able to see our tiang compare to other affordable project? LOL.

@How Siao
Ok thanks for the heads up. Because I just trust what they said, i did not verify with state on this. BUT I have signed SPA nothing I can do. Future buyer please highlight to state.

@leen
Haha. Yes i always donate money to charity. Pls read earlier comment. I alrrady signed SPA. Nothing I can do about it. I also hope it can finish in 3 years but again nothing I can do since I have signed SPA for 4 years. And please refer to earlier post, I did mentioned I’m renting 1k per month at my current place. So please read through all my comments before u comment. What I want to say is if you wanna complain. Please write letter to state exco Jagdeep who is the housing exco. I have no complain because I trust them with words promises and I did go to 1 of M Summit project and check outer layer of the construction seems no issue. The project name is the palms.
Email: Jagdeepsinghdeo@penang.gov.my

@Minions
RP tiang done d?? I think just time issue. As M Summit is the first private developer for affordable housing. So RP launch first, that is why many people go for this project. Thanks for the news. Havent read the news yet.

yumi :
@lala
haha..sold out..sure ke?

dunno… they say one. cos they said renovation package for block A ends this months. so i ask them all finish buying already meh?.. then they said almost

@lala
Belum sold out lagi la. but for those buyer who come after this month maybe cant get the renovation package lo.

Why still not receiving any call regarding the Reno mia ah…

yeah not sold out yet lah.. just the renovation package for Block A & B both also until end of this month only.. btw i’m taking the renovation package although future might staying on weekend..

reno packages end this month? aiks..financial problem , insufficient money how to take?

Dan..u can go their fb page (msummit)to follow up with progress…they just uploaded latest picture for the project! Why dont u crt a watapp group so that we can knw each other among RM buyer and may discuss some related RM issues in group..

@Minions
i did ask to cr8 group but someone said no issue just chat and comment here also ok..

if u create group. how u know they real owner or not?. some ppl never buy but just want to create problem one..

@lala
Snap SNP pic show before join lo.. haha

Lol Genius awesome ideal! Perhaps ask our leader DAN crt the group since he was most active in RM group.. btw any 1 mind to share their loan agreement fees? 4 k plus reasonable for 300k loan amt?

ramah pavillion…more and more people get it?
bagus ni..

http://www.summit191.com/

another Msummit project, OMG.. i love the parking style..can it be apply in RP?

@yumi
then RP will be over 1m.

@yumi

msummit will not give this kind of parking to affordable house, how much we pay only..
Good news is when msummit is able to build this kind of high tech tower, mean their fund is sufficient, that is not empty shell company like other developer will run house buyer’s deposit away, fortune
No matter how, msummit’s reputation on building high tower will be much more affected by the quality & comment of their first high rise project—Ramah Pavilion. They have to make sure Ramah Pavilion is good, another good luck.
By the way, anyone know “summit191” how much RM $$ per sq ft?

See the floor plan, all only 1 room style in the big unit.
This property is sell to rich foreigner who frequently come to Msia for summer/winter vacation or travel oversea working or to pension, not sell to normal income for family stay. Car in the drawing also sports car.
Probably few RM k/sf.

@Minions

@lala

@Genius

@yumi

@ramy

Been outstation for holiday. so Far only know u all are not the troublemaker and a buyer~ haha. Not so sure about others.

@Genius really is genius, Snap SNP? but SNP can be downloaded from online source~ haha. Any other way to prove those who join whatsapp group are genuine?

@lala Yea some are troublemakers ….. maybe the group admin can remove those troublemaker from Whatsapp Group? haha

@yumi
If apply to RP, the maintenance fee and the purchase price also increase… now even RM0.20 people also complain maintenance exp… if apply this concept to RP all will be jumping up and down say EXPENSIVE~~~ haha

Hi future neighbours here, just want to ask what type of units u all taking? If taking type E 950 sf is it small? And u all got purchase additional car park?

@Alfred
I’m taking type E and additional 1 car park = RM300k

@Dan
Lol to confirm those real buyer or not maybe u can try to call m summit to ensure that unit they show u is it true or false lor…

Genius :
@Alfred
I’m taking type E and additional 1 car park = RM300k
@Dan
Lol to confirm those real buyer or not maybe u can try to call m summit to ensure that unit they show u is it true or false lor…

for one m summit is not allowed to share other ppl info to anyone. i suggest create a group once the project is done. and we have our 1st management meeting

@lala
maybe we all can meet up somewhere and bring their snp copy as well, then only cr8 a private group in whatsap loh..

@lala
best idea i would say

Hello all, my bf is a buyer for Block A type B1, 1350sqft l. If u all create Whassap group do add me in too, I have a lot of good suggestions ^^

Does anyone know the water tangki is located at which middle floor? We forgot to ask the developer .

@liz
pump area is located on 21 level is it for block A
anyone cn confirm?

@imwhoim
Yes located at lvl 21~~~

@Dan
Sorry for my silly question 1st. 4.2k legal fees for 300k loan got overpriced? Since i saw a lot of comment said their loan agreement fees also around 4k with the 500k. Need advise here

Can I know which bank d loan u guys take? thanks

@Dan
u bought block A or B and which type?

@Alfred
take maybank if u have finance problem, only maybank & cimb have offer loan agreement fee add into loan. but cimb got high interest if u purchase below 300k unit. i suugest u take maybank lo.

@Minions
example : RM300k loan x 1.5% = legal fees, RM300k Total amount of unit x 1% = Snp fees

Minions :
@Dan
Sorry for my silly question 1st. 4.2k legal fees for 300k loan got overpriced? Since i saw a lot of comment said their loan agreement fees also around 4k with the 500k. Need advise here

Not yet settle the Legal/SNP? Same here…
Jom…go together…LOL

I have confirmed with m summit, actually there are 2 panel lawyer firm handling ramah pavilion SPA case for m summit, they are charging slightly different. May i know which of them charging cheaper?

@new
Yes bro, San & Associates and another forgot the name… I took San&Associates…..

Sorry want to ask how is the system of rubbish work here? Normally we have a chute one right? Anyone knows?

I think no chute. Better no chute la. Cleaner.

@Alfred
No Chute la…. if Chute ah, the people stay nearby will be smelling dirty smell everyday. They will prepare the dispposal area near guardpost there. You can view the location in your SNP (SPA) there

@tiger
But normally how we dump our rubbish? just put outside the house? If wet rubbish we can’t use lift go down and throw right? No offense, just asking. (no experience living in condo style)

Hi everyone, going to take loan at this coming weekend.
31st floor Type D here :). Would like to know more about better offer for loan at here. Thanks.

@ Minions
You can use the below to calculate your loan and SNP legal fees.
http://loanstreet.com.my/calculator/home-loan-and-entry-cost-calculator

Basically the calculation method is fixed. Loan legal fees are based on the loan amount, and SNP legal fees are based on the house price. Change the numbers as needed in the calculator and it’ll tell you what the fees would be. Usually most lawyer firms will offer individual discounts which can reduce the fees.

@liz
I checked the plan in the snp, water tank is on the roof and the water pumps are on the 19th floor of both blocks.

@Alfred
I think someone asked this a few threads back and the answer seem to be that there was no chute. I guess that there will be a main dustbin at each floor which is collected on intervals? Like @tiger I prefer that since its much cleaner and probably safer too (you never know what stuff folks will throw down the chute which can be explosive or flammable on impact).

Hi all, is this project still got available units? I got an offer from another project but found that this may be a better deal.

Another lawyer firm is Ng & Anuar.. i take this lawyer.. by the way the rubbish area is located somewhere at opposite LMC.. Actually quite near by our building only.. It just located before the new short bridge..

which is lawyer is cheaper?did u guys survey?

Hi all, my unit is type E + 1 additional car park. Total purchase price is rm298k. Total legal fee (loan + snp) is rm 5400, does it cheap? Somemore, developer told me we cannot choose the location of additional car park we bought, is this true?
Confusing….. hope can get helping. thanks all ^^

amy :
Hi all, my unit is type E + 1 additional car park. Total purchase price is rm298k. Total legal fee (loan + snp) is rm 5400, does it cheap? Somemore, developer told me we cannot choose the location of additional car park we bought, is this true?
Confusing….. hope can get helping. thanks all ^^

Developer only allow the unit below 12 floor to be park side by side if u take up additional car park. Above than 12 floor, it will randomly locate your car park and they yet to fix the exact location.
Btw which lawyer firm u taking?

@amy
i bought same type with u, ya true we cannot choose the location of cp, they will locate for u. btw which lawyer u take ?

Genius and bob :
Thanks for the answers!
Other RM buyer,
I also buying type e plus 1 car park.
Legal fee all in costs me around 4.5k
And loan interest for 270k is 4. 5 percent.

Hopefully will provide u all some reference for those haven sign yr snp and obtain loan approval.. Cheers!

Minions :
@Dan
Sorry for my silly question 1st. 4.2k legal fees for 300k loan got overpriced? Since i saw a lot of comment said their loan agreement fees also around 4k with the 500k. Need advise here

Not sure overprice or not~ haha. I just know I paid 4.2k for Legal and 2.1k for SNP. my cimb bank interest is 4.45%

@Minions </
Which bank u taking? Do u involve MRTA? Is it necessary? First time house buyer can get discount for stamp duty?

@Good luck & Genius :
This quotation is from Lawyer San & Associate, their service ok?

@ Minions
Legal fee 4.5k is based on loan 268k ?
Very cheap If yes . Can i know which lawyer ?Thanks

Alfred :
@tiger
But normally how we dump our rubbish? just put outside the house? If wet rubbish we can’t use lift go down and throw right? No offense, just asking. (no experience living in condo style)

hi alfred. i live in apartment. normally ppl dont put outside their house. normally ppl carry down their rubbish.

@Minions
Lol we might be neighbor in future coz i also purchase type E & additional 1 cp..

@amy
i not sure bout san & associate, i took ng & annuar so far their service is good. we might be neighbor too.. may i know which floor u all get for type E ?

Hi all future neighbour, so nice to meet you guys.

@amy
Their service okay for San & Assciate~

amy :
@Good luck & Genius :
This quotation is from Lawyer San & Associate, their service ok?
@ Minions
Legal fee 4.5k is based on loan 268k ?
Very cheap If yes . Can i know which lawyer ?Thanks

it looks like all lawyer firm service provide at here is not bad based on above compliment.
I have yet to sign any SnP, looking further to settle at this week.

Minions :
Genius and bob :
Thanks for the answers!
Other RM buyer,
I also buying type e plus 1 car park.
Legal fee all in costs me around 4.5k
And loan interest for 270k is 4. 5 percent.
Hopefully will provide u all some reference for those haven sign yr snp and obtain loan approval.. Cheers!

Thanks for your kind sharing Minions! We are getting merrier over here…

Hi all future RM neighbour,
I guess I miss up some thing.. let me clarify.. for my case, 4. 2K is only for loan legal fees, 2k plus is for snp.. so total i guess u all need to prepare 6. 5 k for all legal fee and jgn harap on 1st time buyer stamp discount because we are living at bolehland.. as conclusion all legal fee will costs u 6. 5K to 7k if u took type e plus 1 car park like me..
For loan interrst part, i guess interest rate mostly depend on hw strong are yr financial background.. of cuz with mrta u can require reduce interest rate abit bt hopefully u all will bought it to protect yr loved one if any thing happen.. 1 more thing to remind u all, if intend to buy mrta, please choose policy that will retain same sum assured over cover period.. for example buy 300k for 20 year instead of mrta which 1st year cover 300k, 2nd year 270k and 3rd year reduce to 240k.. hope that information given will be useful to 1st time buyer like me.. cheers 😀
P.S : Dan, quickly set up a whatapps group so that we can share information to each other among future RM resident :p

@Minions
You are taking loan from which bank ya? what is the rate u get?

Alfred :
@tiger
But normally how we dump our rubbish? just put outside the house? If wet rubbish we can’t use lift go down and throw right? No offense, just asking. (no experience living in condo style)

You need bring the rubbish down to throw. The rubbish location is nearby guardhouse there. Normally what I c people do is, they carrry with them when they going out of the house to work/eat/play. Some will carry when they have too much rubbish in their house. Normally what my place do is people will catch those simply throw rubbish at anywhere outside the house/hallway/common area. They snap photo and put it on noticeboard. that people become famous. haha

penang_kia :
Hi all, is this project still got available units? I got an offer from another project but found that this may be a better deal.

Yes this only better deal in Size but in terms of location, it’s remote area. If you are fine with this area, then you may proceed to check with developer if it’s still available or not. I Just know Type A,E,F sold out…. some type limited units. Just go check with developer since they open everyday.

Minions :
Hi all future RM neighbour,
I guess I miss up some thing.. let me clarify.. for my case, 4. 2K is only for loan legal fees, 2k plus is for snp.. so total i guess u all need to prepare 6. 5 k for all legal fee and jgn harap on 1st time buyer stamp discount because we are living at bolehland.. as conclusion all legal fee will costs u 6. 5K to 7k if u took type e plus 1 car park like me..
For loan interrst part, i guess interest rate mostly depend on hw strong are yr financial background.. of cuz with mrta u can require reduce interest rate abit bt hopefully u all will bought it to protect yr loved one if any thing happen.. 1 more thing to remind u all, if intend to buy mrta, please choose policy that will retain same sum assured over cover period.. for example buy 300k for 20 year instead of mrta which 1st year cover 300k, 2nd year 270k and 3rd year reduce to 240k.. hope that information given will be useful to 1st time buyer like me.. cheers
P.S : Dan, quickly set up a whatapps group so that we can share information to each other among future RM resident :p

Mine is 2.3k for SNP, So I believe SNP is almost same for 2k + if you are first time buyer ( after 50% discount on SNP Stamp Duty.
For me, I have 323k Loan ( included GMRTA ( CIMB MRTA they call it GMRTA ) the loan legal fee + stamp duty for 323k is 4.1k ( after 50% loan stamp duty discount ) @4.45% @35Years

Hmm, Straight whatsapp will be a bad idea (revealing phone number over here )~ haha Chat here is enough ma. Whatsapp can share what information wo~

@Minions
300k for 20 year is MLTA. MRTA coverage is always reducing, eg, 1st year cover 300k, 2nd year 270k. MRTA is a single payment, and paid upfront, while MLTA has to be paid monthly/yearly for as long as you need coverage. Naturally, MLTA is more expensive.

For legal fees/stamp duty, there’s a costly memorandum of transfer (MOT) stamp duty (1%->2%->3% of unit price) that’s included in online loan fee calculators. This stamp duty is only paid much later. So don’t get shocked when the online calculators show u >10K total fees

@Dan
Lol they excited want to get a meeting now ma.. btw i also agree create whatsapp in future, becos i seldom on9 here..

The renovation package still available ?? Anyone take their reno package ??

@Dan

May I know your legal service take from [ng & annuar] or [San & Associate]?
[loan legal fee + stamp duty] for 323k loan, total only pay 4.1k? so cheap? What I heard for 323k loan is around 6k?

Hi neighbor who already sign snp, pls help to share if you have the infor.
my loan is rm322,200k(90% loan for Type B), mrta to pay 1 lum sum without include into loan & extra 1 car park will pay instalment directly to M summit(without include into loan).

To those who also take rm322,200k 90% loan, need your help to share=>
Those who take [ng & annuar], may I know how much this firm charge for [loan legal fee + stamp duty]?
Those who take [San & Associate], may I know how much this firm charge for [loan legal fee + stamp duty]?

For type F, $198,000 + one carpark = $228,000. May i know how much for legal fee + loan agreement for 1st time buyer. Anyone can share. Thanks a lots…

@Dan
Thanks Dan. Seems from this long thread that most of the units are taken up. I will contact the developer to check on the availability of open units.

Anyone have receive call from Ramah to pay RM10K for ballot first?
Any idea?

@Brenda
i think everyone also pay rm10k for balloting..

@penang_kia
taken up? sure ke?

@Genius
Wayy too cheap! Tri Pinnacle (Aspen) need pay at least RM30k above for basic unit.

Hi, future neighbours of RP, nice to meet you all..

@Genius
So is a normal procedure that the participant haven’t approve by Government but can pay RM10K to ballot first? The 10K will be deduct from the downpayment? Incase, we cancel, can we get back the RM10K? Thank you.

@Brenda
It’s normal procedure bro for 10k deposit and ballot. U need to be approved by govt first before you can pay 10k for ballot. If you are not approved by govt, then they will not take your 10k. after you paid 10k and ballot, they will reserve the unit for you. if the loan rejected, they will full refund for you. If loan approved, you just pay balance of the 10% ( after deduct 10k deposit ). If you aftter paid 10k and ballot and decided to cancel, there is a fee of cancellation, not sure how much. So better think twice before you go pay 10k and ballot.

I will give example for your 10k deposit
e.g. 300k house, you pay 10k for deposit, and you need pay 10% for first payment. so your 10% of 300k is 30k. then you take 30k – 10k ( deposit ) = 20k balance you need pay to them. hope this clear your doubt and question.

new :
@Dan
May I know your legal service take from [ng & annuar] or [San & Associate]?
[loan legal fee + stamp duty] for 323k loan, total only pay 4.1k? so cheap? What I heard for 323k loan is around 6k?

I took San & Associate, Loan Fee is 4.1k and yes I paid it with that price. 2.3k for SPA & stampduty. this is all after first time buyer discount. If you are not first time buyer, e.g. owned a low cost house before then your legal fee and SPA will be more expensive.

@penang_kia
Of coz i know well, Actually i reject that ridiculous aspen and apply this project.

@Brenda
Yes they will return back RM10k for you, once approve they will deduct this RM10k and you just pay the balance of your deposit amount.

@Dan
Are u take their renovation package? As now still have the renovation package or close already?

@Genius
Yes I did took the package. Umm, the closing date is stated in mail. I received mail from them that I need to make up my mind by end of June and I went to M Summit to sign the renovation package before it expires. Did you received the mail from them?

@Dan
I dint receive any mail but they called me for sign the package. Lol too bad you bought block A cant be neighbor with you.

Hi neighbor,

To those who also take rm322,200k 90% loan, need your help to share=>
Those who take [ng & annuar], may I know how much this firm charge for [loan legal fee + stamp duty]?

Hi neighbor,

To those who also take rm322,200k(90% loan from rm358,000k), need your help to share=>
Those who take [ng & annuar],
may I know how much this firm charge for [loan legal fee + stamp duty] plus [SPA + stamp duty]?

@Genius
then you need to call developer to check on the renovation package. my mail stated end in June.

@Dan
It’s ok i already sign the package last month, just want to know is it still available or not?

Anyone noticed that item no 14 on facilities floor has changed from steam room to washroom/storage tray in our broacher compared to website?

Alfred :
Anyone noticed that item no 14 on facilities floor has changed from steam room to washroom/storage tray in our broacher compared to website?

Thanks for pointing that out, I really miss out that Steam Room.
Maybe they changed…Not sure…
Anyhow, i remember Facilities Floor item not include in the SNP right? So even they really do so, we cannot do anything also…

Hello all,
Today is one of the happiest day in my life!
I received a call from msummit and i got a unit type F!
So happy.
can anyone advice is there any free snp for this?
If no how muvh is th fees?
Thanks!
Im new here.

@Dan
But I haven’t approve by Government yet, still waiting for the result. Status still showing pending/waiting. But MSummit call me to pay RM10K to ballot and reserve the unit first and then wait for the Government result. So is a normal procedure? I thought i should be approve by Government first then only can pay 10k.

@Brenda
Yes normal, you can ballot and secure your unit first, they will refund you if you are not able to buy.

@miya
type F? i thaught out of order already.

RP is not a condominium is a Rumah Pangsa means Flat. isshh get cheated

Jason :
RP is not a condominium is a Rumah Pangsa means Flat. isshh get cheated

Flat your head la . mangkuk

@Newbie
bullsht la, i went there this morning, the young chap told me all package still available and push me go for package hahahah and all unit are still available, but not type A, in fact they do have type B1 which is same sq/ft as type A, 3B2T

If calculate price per sf, type f most worth, pay less maintenance fee, easily let go after 5 years with min 100k profit:-D

@tiger
flat?

@Johny
hahha…i also know type A ad F is sold out as they told me

Hi,
Agreed with mand. Yes, it is affordable condo, not affordable rumah pangsa. Those easily-satisfied now with become unhappy and regret 3-4 years from now.

@Christine
why regret?

Yes, type F.
They have been telling me sold out also. So am very surprised I got it .

Hi all future RP neighbours,

Anyone borrow loan from public bank?
I bought type E (268k) + one additional car park (30k) = RM 298k
However, I just planning to borrow 90% loan (RM 241200) and the additional car park I will pay myself every month for 30 months to the developer.
And the Public bank offer me 4.4% interest rate + insurance coverage rm 100k for 10 years.
MRTA need buy additionally.

Can anyone give some advice?

Thanks & Regards,
KHAI

@tiger
@tiger pls go and check all the document carefully even a below asterisk and also check it out with e-rumah before you say me mangkuk

@Khai
Me, public bank…
I got buy MRTA, i thought is a must? It’s hard…cause i’m first time buyer…so..many stuff don’t know…Banker say need ma need lo~

@Khai
Me, public bank…Type D with additional carpark…
I got buy MRTA, i thought is a must? It’s hard…cause i’m first time buyer…so..many stuff don’t know…Banker say need ma need lo~
I think i make 35 Years.
I forgot how much i loan ady, monthly RM1500/=
Sorry, all document at kampong..

Wondering what advise you want…?

@Khai
Me, public bank…Type D with additional carpark…
I got buy MRTA, i thought is a must? It’s hard…cause i’m first time buyer…so..many stuff don’t know…Banker say need ma need lo~
I think i make 35 Years.
I forgot how much i loan ady, monthly RM1500/=
Sorry, all document at kampong..

Very simple only ma, if you ok with this project, get a bank with lowest rate…then the rest is exact procedure need follow one what….so…
But Public bank will give u a “LOUSY” credit card if you sign up their housing loan…
Better reject it….cause ….no benefit at all…lol
Wondering what advise you want…?

@Genius
Just realized my status has been approved =)
Thank you for your reply.

@Newbie
I also got type D with additional car park.
Now applying loan too. So u get loan from public bank ya, seem like public bank have the lowest interest, 4.4%.
MRTA is count in the loan too?

Can i check with you what is the total fees for snp , loan , stamp fees?

@Newbie

MLTA or MRTA is not a must.

HI all RP neighbour..:)
selamat hari raya..kakazzz..

Property :
@Newbie
MLTA or MRTA is not a must.

its not a must. but ppl usually buy to protect family from debt if something bad happen

Does anyone here know if all the windows are listed in the floor plan? It seems like most of the rooms will be windowless?

Hi,
Would like to get some financial advice from the experienced people here.
I am in dilemma whether to loan 90% or give more down payment and loan 70%.
Most of the advice I got is to loan 90% to get the lower interest rate and later on, put the extra money into the loan account to pay the principal. They said this way will save more.
But I don’t get the logic behind it.
From my own survey, If I loan 300K I will end up paying 600K, so if I loan only 200K I will end up paying 400K, isn’t that save more than loan 300K?
Appreciate if anyone can share your knowledges/input on this. Thanks.

@Newbie

Hi Newbie,

Sorry for the late reply and thanks for your explanation.
Agent of banker suggested me to buy MRTA for 10 years only (because the MRTA coverage is always reducing, eg, 1st year cover 300k, 2nd year 270k. MRTA is a single payment, and paid upfront)
They suggested me to buy another insurance to cover my house. (I think is MLTA because MLTA has to be paid monthly/yearly for as long as you need coverage)

Thanks & Regards,
KHAI

no more steam room or sauna room is it?

May I know you all take which bank for loan? what is the interest?
MRTA, Semi Flexi Loan? Kindly advise, thank you.
Any people know about lock in period? Newbie here..sorry ya

Which bank should I choose?

@Brenda
I just took Maybank. I got a 4.40 rate.
Yes, I took MRTA and also flexi loan.

anyone go to the construction site this Saturday? where to meet?

@Kit
We need to go to construction site??

maybank offer 4.4%

my lawyer quote around rm6050 overall for a loan amount 302k , i wonder it was overchange.. anyone can help?

@Miya
Thank you for your feedback.
Will either choose Public Bank or Maybank, both offering at 4.4%.
For MRTA, how many years you buy ya?

@first time byr
The banker help us to get the quote was around RM7378 for 308k. (dint minus the 50% stamp duty fee yet). Do you get 50% on the stamp duty fee?

@brenda
i buy type D , addtional 1 carpark n 10% downpymt.
total loan 301k included mrta. Lawyer quote is after minus 50% stamp duty for 1st time buyer.. i wonder is that reasonable..

Public bank Miss.Emily, took more than 5 working day yet to reply me, whereby Maybank only consume 4 working days with stunning rate 4.4%

CIMB offer 4.45% flexi loan

Brenda :
@Miya
Thank you for your feedback.
Will either choose Public Bank or Maybank, both offering at 4.4%.
For MRTA, how many years you buy ya?

Dear all, brenda and khai,

Please remember the purpose of MRTA. it is to make sure that your loan is not a burden to your family if something happens to the buyer of MRTA. If your loan is 30 years, MRTA needs to be 30 years!

MRTA reduces in a straight line. if your loan is 30 years, you buy for 10 years, if somethings happen to you after the 1st year, the MRTA payment is not enough to cover the loan. It doesnt make sense to buy a shorter period of MRTA from your loan.

For MLTA, it is important to note, if loan is 30 years, you buy a 10 years MLTA, if one dies at the 11th years, how? got enough saving? kids big enough already?

It is important to think about the objective of buying an insurance. not buying for the sake of buying.

@brenda
I oso got offer from may bank n public bank but I chose maybank bcuz they offer more flexibility and we can pay principal during first 3 years (construction ) while public bank only can pay interest/installment during this 3years. Just sharing my point of view.
MRTA I take 23years.

Josephine :
Hi,
Would like to get some financial advice from the experienced people here.
I am in dilemma whether to loan 90% or give more down payment and loan 70%.
Most of the advice I got is to loan 90% to get the lower interest rate and later on, put the extra money into the loan account to pay the principal. They said this way will save more.
But I don’t get the logic behind it.
From my own survey, If I loan 300K I will end up paying 600K, so if I loan only 200K I will end up paying 400K, isn’t that save more than loan 300K?
Appreciate if anyone can share your knowledges/input on this. Thanks.

Hi Josephine,

It is all about finance management. If you take a flexi loan, your cash holding is more flexible. If you take a 90% loan, you can choose to put your extra cash into the account to offset the loan.

For example a 1mil loan. if you have 400k cash, you can put the cash into account and effectively, you are borrowing only 600k from the bank and pays 600k interests only. As you have the option to withdraw the cash, if you do withdraw all 400k, then you will start paying 1mil loan .

If your loan is 30 years, you take a 90% loan, and put in extra cash and do not request to amend your monthly installment, you will finish paying your loan in less than 30 years depending on how much cash is pump in.

I went for site visit this morning! so excited to see how they built my future house. Ramah really thinks for purchaser, they not only sell houses but also invited us to visit their construction site. all my friends who bought their houses never been invited for site visit though. good job. cant wait to go again.

cool! look at their facebook photos.. 1st developer who arrange site visit for purchasers?

@Miya
Hey miya would like to ask how much you borrow from maybank?

@KO
Thanks for your feedback and sharing. Appreciate it. ^^

@sandy
MSummit invited u to site visit?
….how come I didn’t receive the invitation…? Would have love to go!

@Et
I got type F 198K and I borrow 90%.

@sandy
@Brenda
Which type you purchase?

harlo..
for the site visit, will had 2nd time if miss 1st time?

Guys,

For those what sign up with San & Associates.
You guys pay the duty fees ady?
is it normal as they ask me to bank in.

@Newbie
yes you can pay by cash, cheque or bank in to San & Associates

@yumi
They put in FB that you can register with developer for site visit in future.

Hello.
Anyone taking ng&Annuar?
Anyone taking San&associate?
Which is better or cheaper? Service good? Thanks!

@Genius
Type D. how about you?

@Brenda
Type E.

@yumi
They sure will have 2nd site visit, kindly register with M summit for the next site visit.

hi all RP people..:)

Wow.. Ramah is in Queensbay these few days.. I am going to bring my friends there tomorrow. hope they still have units available

@William
where u get this news?

May I know who use the government loan to buy this property?the gov loan approve already?

@mei
check their facebook. I went there for lunch just now and see them

Genius :
@Brenda
Type E.
@yumi
They sure will have 2nd site visit, kindly register with M summit for the next site visit.

actually no need to wait for them to invite you go.. just go over to that place around 5 or 6 pm. you can see everything already. got road leading all the way to ramah pavilion site. just go only. i’ve been there 2 or 3 times

@lala
Lol i know, i went myself before too. haha

@mei
yeah they got send out the email too, they will stay QB until 2th Aug.

@yumi
Which type u purchase?

@Ooi
i am also government loan buyer. as you know i know government loan is very slow. if developer wants to claim the next progress i will pay them first to prevent interest. once government side release money to developer only they pay to us.
if we do not pay developer and wait for government to pay, we will be fined for the interest.

Hi,
What is government loan interest rate?
Also, may I know which lawyer firm u all taking?

@brenda may i knw how much ur lawyer fee after discount of 50%stamp duty.. im also type d..

@first time byr

Previous the banker help to get the quote was around RM7378 for 308k. (dint minus the 50% stamp duty fee yet).

Will request the quotation again from the laywer.

Your is RM6050 rite as you mention previous. Which lawyer ya?

Which loan better?
BR 3.80% & fixed 0.6%, or
BR 3.65% & fixed 0.75%
Both total up is 4.4%
(confused)

@Confuse

BR 3.80% & fixed 0.6% is better because if BR goes up or down to the same level, then there is a chance it is still cheaper then the other.
However, If BR 3.80% & fixed 0.6% is AMB and BR 3.65% & fixed 0.75% is PBB, then of course Bank’s loan types, customer services, efficiency and reputation factors also need to consider.

@Christine
Haha. Thanks Christine. AMB cause of the recent case so I afraid might affected the BR. So might opt for lower BR & higher fixed.
Btw, another bank that offer BR 3.84% & 0.7% (4.54) is out of the league right?

Hi, anyone know whether is this project delayed approval by federal government?
This is because had been report several projects like this had been delayed so far

Just my opinion, for block B, we have 4 lifts, why not we propose make it 2 lifts for lower floor level, from level 1-16, another 2 for upper floor level, from level 17-32, for example, to reduce traffic congestion.?

Ramah pavilion has gain their Developer License and Advertising Permit, they has start signing SNP and their progress report can be seen in their facebook page.

@Alfred

Alfred :
Just my opinion, for block B, we have 4 lifts, why not we propose make it 2 lifts for lower floor level, from level 1-16, another 2 for upper floor level, from level 17-32, for example, to reduce traffic congestion.?

But then can i know how do upper floor people get to the ground floor as you proposed it like this…

@Alfred
Not practical… u need calculate probability for 38 floor with 4 lifts and 19 floor with 2 lifts.

@johnny
The idea from Alfred is similar to genting 1st world hotel lift concept.

@LostSoul
Yeah understand concept like first world but they have more lift than Ramah Pavilion. Need to calculate probability.

Forgot to add. If say really change to 2 lift lower and upper. If 1 lift faulty, we left 1 lift to service 19 floor. If 4 lift serve 38 floor, 1 lift faulty, still have 3 lift to serve. I might be wrong. Just my thought

siao liao..haaha…
means block A and B got 4 lifts each block is it?

Block B got 4 lifts to cater for 500+ units, Block A got 3 lifts to cater 200+ units, do we have access card for lift as well?

For Block A I not so sure..