Setia Eco Cascadia

[RedsYNWA]

Ya, agreed, when to their branch to check out the fd rates, so many requirements, like work permit, mm2h etc. to open account. Aiyo, I retired where got work permit.

I went with Std Chrt Islamic loan. No lock-in, and you can deposit your excess cash against the loan quantum to reduce int payable. The excess cash can be withdrawn out at any time, in emergency cases. Quite flexible.....

 

[malpaso]

I went with Std Chrt Islamic loan. No lock-in, and you can deposit your excess cash against the loan quantum to reduce int payable. The excess cash can be withdrawn out at any time, in emergency cases. Quite flexible.....

sounds the same as conventional, but some banks like cimb pushing their islamic packages quite aggressively? the thing is i am blur about the whole 'profit' and'sharing' calculations, so decided against it.

 

[RedsYNWA]

sounds the same as conventional, but some banks like cimb pushing their islamic packages quite aggressively? the thing is i am blur about the whole 'profit' and'sharing' calculations, so decided against it.

'Profit' is the 'interest' and 'sharing' is the 'principal'. Something like that..... Actually is 换汤不换药。haha...... Impt thing is no lock-in period, and there is an interest cap of ard 10% (hopefully we will never reach that).

Citi offers something similar but Std Chrt has Molek branch, so more convenient for me..... Dun understand why Citi has only 1 branch in JB.....

 

[potter]

'Profit' is the 'interest' and 'sharing' is the 'principal'. Something like that..... Actually is 换汤不换药。haha...... Impt thing is no lock-in period, and there is an interest cap of ard 10% (hopefully we will never reach that).

Citi offers something similar but Std Chrt has Molek branch, so more convenient for me..... Dun understand why Citi has only 1 branch in JB.....

先甜后苦, 绑手绑脚..when come to resale. IMHO only.

http://www.nst.com.my/red/cover-story-should-you-get-an-islamic-mortgage-1.149176

 

[LamCH]

they should remove the waterfall from their marketing and website, it is a small selling point, but now become a negative point. very small and water muddy. when i buy i never even looked at the waterfall.

well, it is still early to say, the whole place in not fully developed yet, I don't mind the waterfall, maybe I can do meditation under e waterfall when I move there. lol. just joking. Seriously, I bought SEC is because I like quite and serene environment. Maybe the place has kwong tou, both my wife and I was attracted to it straight away.

I went to adda heights, the semi 'D" offered was the about the same price as my corner lot, some how I do not like the place.

 

[malpaso]

well, it is still early to say, the whole place in not fully developed yet, I don't mind the waterfall, maybe I can do meditation under e waterfall when I move there. lol. just joking. Seriously, I bought SEC is because I like quite and serene environment. Maybe the place has kwong tou, both my wife and I was attracted to it straight away.

I went to adda heights, the semi 'D" offered was the about the same price as my corner lot, some how I do not like the place.

yah, same as you, i also immediately like the place. I look more at the surrounding area, the house design, masterplan, the price and also if nearby got what kind of amenities. what i mean is when the marketing concentrate so much on the waterfall, but there is only one little man made "waterfall" , feel very anti-climax.

 

[FHBH12]

先甜后苦, 绑手绑脚..when come to resale. IMHO only.

http://www.nst.com.my/red/cover-story-should-you-get-an-islamic-mortgage-1.149176

I don't recall seeing penalty rate in both my conventional loan (RHB) and Islamic loan (HLB) agreements. No lock in period too.Strange.

 

[nextreal]

Hi all. I recently purchased a Neptune unit. SPA and loan have been settled. Now pending state consent.

What is the average waiting time before state consent is given? I heard it may stretch as long as 2 months.

 

[thomas388]

I have one Unit Phase 1, 3 storey Aspen Type build up 3100sf estimed can get the key jun 2014 if anyone interested can direct contact me Thomas 0167317999 i am the owner Reason sell off:Because i need move other state out of JOHOR Loan can be arrange

http://www.cascadia.com.my/the-product-aspen.php

 

[Smallfry]

well, it is still early to say, the whole place in not fully developed yet, I don't mind the waterfall, maybe I can do meditation under e waterfall when I move there. lol. just joking. Seriously, I bought SEC is because I like quite and serene environment. Maybe the place has kwong tou, both my wife and I was attracted to it straight away.

I went to adda heights, the semi 'D" offered was the about the same price as my corner lot, some how I do not like the place.

Similarly with me guys. Would you believe it if I were to say that I attended the presentation at SP Setia , the week after, I went to to SEC site and then booked a unit? Just had a good feeling about the place. I didnt even check out any other developments......With you guys as neighbours, I know I made the right choice. Though I have not met any of you, I feel the brotherhood spirit is so strong and alive. I am waiting for the time we all meet for breakfast at setia indah and all go jalan jalan together. 8-)

 

[RedsYNWA]

I don't recall seeing penalty rate in both my conventional loan (RHB) and Islamic loan (HLB) agreements. No lock in period too.Strange.

No lock-in period means not subject to penalty for early redemption mah........haha

 

[potter]

I don't recall seeing penalty rate in both my conventional loan (RHB) and Islamic loan (HLB) agreements. No lock in period too.Strange.

you may like to verify with e bank, as i know some bankers also not quite sure abt Islamic loan.

 

[antrix07]

...With you guys as neighbours, I know I made the right choice. Though I have not met any of you, I feel the brotherhood spirit is so strong and alive. I am waiting for the time we all meet for breakfast at setia indah and all go jalan jalan together. 8-)[/QUOTE]
Yupz2....we relive e ol kampung spore has been missing. ..

 

[IsSuperTenere]

no lei, loans ocbc up to age 70. so unless u r 50 y.o, u should be able get 25 y loan..

OCBC offered me max 20 years loan too and Im only sweet 16

 

[malpaso]

OCBC offered me max 20 years loan too and Im only sweet 16

strange... i got 25 years, and i already old man. anyway, doesn't matter, the diff is only a few hundreds of ringgit per month?

 

[FHBH12]

you may like to verify with e bank, as i know some bankers also not quite sure abt Islamic loan.

They also mentioned no lock in and early redemption has no penalty. V strange.

 

[malpaso]

They also mentioned no lock in and early redemption has no penalty. V strange.

not really, a lot of bank have this. i was at cimb yesterday the branch manager ask me about whether i have home loan, he said he can offer blr-2.4% and no lock in etc. it also make sense if your loan is with DIBS and still under construction cos banks will know that lock u in for 3 yr aldready

 

[potter]

they should remove the waterfall from their marketing and website, it is a small selling point, but now become a negative point. very small and water muddy. when i buy i never even looked at the waterfall.

closed up yr fingers, poke their ass.

 

[malpaso]

closed up yr fingers, poke their ass.

ya larr i oso think the clubhouse and swimming pool not so grand too. i have already feedback setia on their website.

 

[LamCH]

...With you guys as neighbours, I know I made the right choice. Though I have not met any of you, I feel the brotherhood spirit is so strong and alive. I am waiting for the time we all meet for breakfast at setia indah and all go jalan jalan together. 8-)

Yupz2....we relive e ol kampung spore has been missing. ..[/QUOTE]
I will organise a pot luck party foe sg resident at d club he's after I've settled in. My wife likes to bake fatt kuey. lol