求助！找PJ shoplot loan from bank

momostar2000

我急找commericalloan,请大家帮帮忙！可以PM我或email [email protected]
我也不是针对任何银行，只希望可以结决我的问题，及让可能和我面对同样情况的朋友了解及1起解决loan 的问题，希望不会被版主删除我的帖！

我是Johor人，在新加坡工作了几年。去年4月份失业的时候，去舅舅家在Petaling Jaya – SgWay
SS9A，知道那里有新的project的店面要发售

那个project叫MyHome @ Park 51, PetalingJaya, 整个计划是几座十几楼的low cost flat, 底层有2楼的店面，大小不一，3年后才建完。 发展商是TaipanFocus S/B.他们说新的law要get approval to start project,大概7月份的时候才动工。
当时只剩下小的shoplotunit, 347 sq ft @ RM69,000 per unit，我订下2间相连的店面，
我当时手头上有够储蓄付10%的deposit,心想太贵的店我也买不起，这个算是我的这一生的第1个投资，
而且男友那时也住在PJ这附近，我们有打算以后做些小生意，我还是很下心来买了店！
当时去了几间银行问了loan的细节，当时没工作根本不能loan,就想说用我舅舅的小公司作假的payslip,可是银行要求confirmation letter, Incometax, EPF statement, bank statement prove salary income……. 所以没办法process loan application.
我心想7月份的时候才动工，应该没这么快要progressiveclaim,可能到时候我有工作了在apply loan.7月份打听了没动工，直到今年的1月份，我总于在新加坡找到了1分permanent work，4月底confirmation了，5月初快快去 PJ的bank apply loan，才知道原来我的是commercial unitsmaximum loan 80%,只能借20年loan。去年问银行的staff都没注意到，跟我说90%loan,且30年loan。
我去问了6间银行，CT说我的per unit <RM100k, 所以不受，MBB/AFF说不是panel不受，全部都说1-2 week approval就会出来了。我买的project好像4月份才动工，Developer好像因为原本的其中1个director是议员，然后他下台了，所以才会delay start work。
交了loanapplication给其中2间，PBB 的rate BLR-0.75%，EON BLR-1%,both free legal fee, min 5yrs contract。
只有PBB可以直接full instalment,因为怕如果project not complete,我不会永远只还interest!我原本觉得PBB服务/效率比较好,给多点interest只要loan process快就好！而且我舅舅也是买了同排的店，也跟PBB借loan approve 了！
已过了2个月，EON 石沉大海，我的application不见了！PBB的更好笑
，我一直email check my loan status,以下是跟 PBB 的emails，他每1封都是let let you know by nextweek….我直接打过去问他什么叫pending for projectapproval?他回答我说因为是新的project,所以要project approval,我告诉他我舅舅也是跟PBB拿loan,为什么没有record,他竟然说可能是3个月前的approval,所以bank没有keep record 了。。。。有这样的事？？？


Subject:RE: Loan Application for Project: Park 51 PJ
Date: Fri, 20 Jun 2008
17:33:31 +0800
Hi Joyce,
I called my Head Office,the officer will let me know by next week. I'm so sorry for any inconveniencecauses. Will let u know by next week.
Thanks.
Regards,
Chris Liew


06/20/2008
02:19 PM
To:       [email protected]>
cc:        

Subject:       RE: Loan Application for Project: Park 51 PJ

Hi Chris,
Can you give me my loan application REF No. and your HQ loan dept's person incharge and direct number? I would like to call directly to check with them forthe details.
It is 2 months' time since I submit my loan application.
The developer has started to send the progressive claim already, I cannotafford to KIV anymore.
Thanks.
Regards,


Subject: RE: Loan Application for Project: Park 51 PJ
Date: Wed, 11 Jun 2008
10:44:09 +0800
Hi Joyce,
Ur loan was approved. Now pendingapproval for the project.
Thanks.
Regards,

Chris Liew

06/10/2008
05:06 PM



Hi Chris,
May i know whether my loan application has been approved?
Developer is started to claim the work-in-progress fund, please let me know ifthere is any pending issue for my loan application.
Hope to get your reply ASAP.
Thanks.
Regards,



Date: Tue, 3 Jun 2008
10:46:03 +0800
Hi Joyce,

It still pending Head Office approval. Will let u know within this week.

Thanks.
Regards,

Chris Liew


on 06/03/2008 09:21 AM


Good morning Chris,
May I know what is the status of approval of the project?
Regards,

Subject: RE: Loan Application for Project: Park 51 PJ
From: [email protected]
Date: Thu, 22 May 2008
10:05:47 +0800
Dear Joyce,

Good morning. Glad to inform that ur loan application was approved.Now pending for the approval of the project, then i'll arrange the appointmentwith u to sign the letter of offer. Mostly by next week or early of June.

Thanks. Have a nice day.

Regards,

Chris Liew




Date: Wed, 7 May 2008
12:23:16 +0800
Hi Joyce,

I received. Will let know u asap.

Thanks.

Regards,

Liew

Subject:        Loan Application for Project: Park 51 PJ
Hi Mr Liew,
Re: Loan Application for Project: Park 51, PJ.
Hope to receive reply from your bank ASAP.
Kindly acknowledge receipt for the documents.
Thanks.

jasonhanjk

当时只剩下小的shoplotunit, 347 sq ft @ RM69,000 per unit，我订下2间相连的店面，我当时手头上有够储蓄付10%的deposit,心想太贵的店我也买不起，这个算是我的这一生的第1个投资，而且男友那时也住在PJ这附近，我们有打算以后做些小生意，我还是狠下心来买了店！

这不叫投资，这乃投机。
原因是不能确保工程能完工，把店卖掉能赚回本，人潮是否会去你的店，和所收的租金超过每月还的贷款。

PublicLeong

i think there must be some problems with ur developer...better check it !! i m a banker b4

momostar2000

原帖由 PublicLeong 于 22-6-2008 03:46 AM 发表
i think there must be some problems with ur developer...better check it !! i m a banker b4

如何check developer? 为什么同样的peoject/loan amount我舅舅有借到pbb的loan,而我的不是薪水方面的问题，而project approval pending咧？？

如果借不到loan,developer会还我20%的钱吗？

我想各位在做bank loan 的大大，尽快联络我!

请帮忙小女子，快给这件事烦死了!谢谢！

kitkatlow

这么少数额的商业贷款，很多银行都不愿做。
你可以考虑

1. 抵押，抵押自己或家人的房子，借百多千。这个有赖于你们自己的关系。
2. 私人贷款，如果你跟男友的工作稳定，要借百多千多贷款应该可以，唯利息比较高。

momostar2000

原帖由 kitkatlow 于 22-6-2008 11:50 AM 发表
这么少数额的商业贷款，很多银行都不愿做。
你可以考虑

1. 抵押，抵押自己或家人的房子，借百多千。这个有赖于你们自己的关系。
2. 私人贷款，如果你跟男友的工作稳定，要借百多千多贷款应该可以，唯利息比较高 ...

我的2间店加起来要loan 80% 大概RM110k，算少吗？
之前亲戚买medium cost loan RM50k也loan 到咧！
我的店只有我1人的名，可以2人的名来loan吗？

kitkatlow

1.以一个商业贷款而言，算少。 你应该知道，110k 很多时候连买店铺的头期都不够付。
3.你可以。

momostar2000

原帖由 kitkatlow 于 22-6-2008 06:16 PM 发表
1.以一个商业贷款而言，算少。 你应该知道，110k 很多时候连买店铺的头期都不够付。
3.你可以。

我就是觉得价钱便宜，且在我的能力里可负担。developer之前也有完成另1medium cost project,不知为什么我的loan这么多波折！

我没有别的产业可抵押，男友的收入也不是很多，所以没有1起share.

现在我好像进退2难了。。。。