har? just show the proof of income into bank account can liao ah? sian...i show the bank everything....
haha , too personal la , why should bank see our savings acct.
har? just show the proof of income into bank account can liao ah? sian...i show the bank everything....
About the jams at tuas and woodlands causeway.
I think that is keeping my family from staying in JB, especially when we have 2 young kids.
However, it would be a different scene if in the future....
- majority of people travel by public transport due to high cost of owning cars
- no jams at causeway if you go in via MRT
So for me, If I buy, I am banking on the eventual linking of MRt at Woodlands by 2018.
If that happens, and Johor really link up from JB Sentral to other parts of Nusajaya, property price will shoot up because it becomes viable to live in JB.
Even if they do not link up the MRT within Nusajaya and only have the MRt link from woodlands to JB Sentral, it is still viable since a car in JB is affordable but a car in Sg is not. So within SG we take MRT but once reach JB, we drive our Malaysian car. That could be the new norm come 2018?
i believe the above scenario - Singaporeans, Malaysians & Expats living in JB but working in Singapore - can be a win-win for both Johor and Singapore and thus would not be dis-encouraged by both governments.
From Sg perspective, it is good because
- companies are still in singapore and thus providing jobs and tax income for Sg
- prevent overcrowding (of roads/ bus/ MRT/shopping malls) as we further increase our GDP & create more jobs
- able to attract more FT as cost of living may now be lowered for them
- prevent property bubble due to over demand & limited supply
From Malaysia perspective, it is good because obviously will bring $$$ into their economy through more spendings (food, cars, property, etc).
HH is good that you have listed your grievances here so as to allow users to be fully informed about their living in jb choice. I think there are a lot of people who may be too mesmerized by the houses & 'savings'etc to look beyond at the feasibility in terms of the commute. Having said that I have also done both causeway and tuas.
Hey guys
whats the bank loan interest like ?
my sales gal never answer me directly
Question: Whats the bank interest rate at the moment ?
Reply : If you willing to get 85% , only UOB bank able to provide the highest margin but there rate also quite attractive . Other than UOB , Hong Leong bank , Maybank , Public Bank & RHB are offering attractive packages also.
And how come they need to see our bank statements ah , so strict ah , me CPF rich nia , so thats means its hard to approve my loan ?
ha.. I can tolerate causeway.. but find the jam is usually from Singapore custom.. and the bad drivers are usually Singaporeans.. I find Malaysian usually more tolerant in the jam...
As my time is flexi, I can travel in and out of JB during non peak time.. so avoid 8-9am or 4:30 - 6:30pm seemed fine for me..
that's the best way to go about it
Having a good car audio system is a boon if you happen to get caught in a jam. Just count the number of songs played on CD to cross over.
crystal, better ignore such posts...
sounds way too sales reppy coming from a new registered user of only 1 post...
The causeway traffic is incorrigible especially in morning peak traffic so I start out way earlier than the rest. About 5-5:30am. Problem starts at the MY side. But if you're sharp driver you might have noticed a 'secret-secret' route (most people only know the secret route) direct into the customs that has neither bikes nor buses nor Q cutters and is much faster. I reach work earlier than the cleaners who come in very early bout 6:30am.
oh , u tried before ?
See my sales gal reply
QN : What documents you need from me to obtain bank loans ? The bank will loan based on my annual income right ? They wont know what other loans I have in Singapore ?
ANswer : Annual Income they need too . Normally , you need to give us the latest 3 months pay slip , 6 months bank statements , company letter , IR8A/ Notice of Assessment , saving _ prove your saving habits
HH is good that you have listed your grievances here so as to allow users to be fully informed about their living in jb choice. I think there are a lot of people who may be too mesmerized by the houses & 'savings'etc to look beyond at the feasibility in terms of the commute. Having said that I have also done both causeway and tuas.
There was a time I had to commute during 'normal hours'. The causeway traffic is incorrigible especially in morning peak traffic so I start out way earlier than the rest. About 5-5:30am. Problem starts at the MY side. But if you're sharp
driver you might have noticed a 'secret-secret' route (most people only know the secret route) direct into the customs that has neither bikes nor buses nor Q cutters ...
Bro euphony
I think i know the secret2 route to immigration that u r referring to . It enables one to reach straight into the msia immigration side. No worries...
Hi Crystal,
I did that with HSBC and RHB.. No problem.. They want our business more than such admin issues...
Rgds
Crazy price! RM 1.25 million for a terrace in East Ledang, the advertisement was posted on iproperty.com yesterday.
Moreover, it's an Unfurnished show-unit(not those with full interior decor hor).
is the skyblue color next door for real?
whoa the twin villas were selling at this price le...
maybe can do it by left ???? haha , just trying my luck ....
Maybe those companies also move to Nusajaya lor ? Then save everybody the trouble of comuting in and out