实达水景名邸 (Setia Eco Cascadia)交流区

kookk

在 Jalan Setia 6/27里，Jalan Setia 5 和 6 之间。
可怜的蠢驴爸爸 发表于 5/3/2012 15:56

查了。离得很远，如果这么远都还听得到。住在旁边的居民应该。。。。。哈哈。
你不会是住在那吧。这么清楚。

iSmEheNG

Kookk, 谢谢你的回复。

关于蓝图，你贴放的是 Mahogany 的 Floor Plan。
。。。。。。。
其实  ...
Ken211074 发表于 25-3-2012 07:16 PM

hazel的大门改去最右边了，因为有改图他们叫我哥回去和律师签过那张图。
但我哥很不开心门改去右边叻～难道他们说有人一直complaint那个门的就是你

kookk

hazel的大门改去最右边了，因为有改图他们叫我哥回去和律师签过那张图。
但我哥很不开心门改去右边叻～ ...
iSmEheNG 发表于 26/3/2012 00:38

真的改了也....效率还真不差也。连网站的图都updated了。
而且说明他们还真的又听取买主的心声也。

为什么你哥不高兴呢？其实不错啊。
风水上大门正对柱子真得很糟糕的。现在改了以后拿房子时就不用愁这些。我觉得很不错啊。哈哈。

你自己的bamboo应该没对到吧？

  

Ken211074

哈哈。看来ken兄可是名副其实的富豪哦。同时拥有EL和SEC的房子。
所以你以后是住EL还是SEC?

...
kookk 发表于 25-3-2012 10:53 PM

   

唷，不是lol

我不是以现金购买的，还要继续供款给银行大哥，他才是幕后首脑，我是跑腿，来日也许我还要供到脸青青呢！苦日记本还要长遍写。。。

关于聚会，我的确收到来讯：-

Let's get together for a scrumptious Hi-Tea Buffet @ Setia Eco Cascadia this Sun, 25/3/12 (2-5pm). Join us & enjoy Special Purchase Rewards. Call 351xxx5 NOW!

这不会错吧 ？

在上星期也有？

其实，很想知道关于Custer.․

他们有宣布些什么新闻吗？

回iSm，

当初发现大门对大柱，也是带朋友们去帮帮眼，被他们发现到，过后很忧心风水不好（可信有，不可信无）。后来写在网上，有位网友PM
告诉我说，Setia 是接受更改的，，当时我也不大敢相信有此事，就到 SO 问详情。她们都说会跟设计师谈谈再做调整。。。（是有点安心lol，也很感激那位网友，希望你会看到）

没有一直投诉啦，才 Feedback 一次，就在等待了。

在这网站里，看到 Kokkk 是有问必答的佼佼者，才请教他。

Kokk，

谢谢你快资讯！ 让我放下心中大石头。

kookk

唷，不是lol我不是以现金购买的，还要继续供款给银行大哥，他才是幕后首脑，我是跑腿，来日也许我 ...
Ken211074 发表于 26/3/2012 09:05

哦哦。那就是说这星期日跟上个星期日连续两个礼拜都有tea break session.
我两个星期都没去。
基本上也没有收到SMS.

不过，老实说，除非是很特别的招待会像那次在bungalow的晚餐会。很棒。就很值得去。
Setia office我去得有点太频了。哈哈。感觉从security guard到SA都认得我了。不好意思去了。哈哈。

买房子的学问真的很多。真的需要多方面的意见年。
我刚开始也是什么都不懂，到现在，看得多一点，问得多一点，就比以前长了多一点知识。

@ken,不用客气。
我开这贴的目的就是希望sec未来的邻居可以互相交流。
SEC在cari的买主不多。希望大家时常和多多分享一些讯息。

kookk

唷，不是lol我不是以现金购买的，还要继续供款给银行大哥，他才是幕后首脑，我是跑腿，来日也许我 ...
Ken211074 发表于 26/3/2012 09:05

对了，cluster你想知道什么？哈哈。
其实我差不多可以去setia office做兼职帮忙卖SEC了。哈哈。（开玩笑的)

Ken211074

hazel的大门改去最右边了，因为有改图他们叫我哥回去和律师签过那张图。
但我哥很不开心门改去右边叻～ ...
iSmEheNG 发表于 26-3-2012 12:38 AM

iSm，
。
你回去安慰你哥哥，劝他别伤心了，大门如果不改，不但对屋主，家人平安健康有问题，而且还会惹来破财之祸。（如果信风水）
之前的大门不但冲大柱，又建在主人房厕所下处。如果财神要眷顾您家，跨越门限前，可能他也要三思。。。进还是不进。
.
门改了，大家就齐齐发！

Ken211074

对了，cluster你想知道什么？哈哈。
其实我差不多可以去setia office做兼职帮忙卖SEC了。哈哈。（开玩 ...
kookk 发表于 26-3-2012 03:44 PM

    如果SA们像你这样资讯发达，迅速回答，Setia 老板股东们，每天都在笑得见牙不见眼。我的朋友们也支持你去当 SA ！
。
SEC-cari 网友是有的，只是他们在等待时机一到，才现身。认识好几个，他们目前都不发表。派我上阵。：/ （信差）
。
其实，很感激你热诚的解答，我们打算这周末下去看看问问。我们只是要知道：-
。
房子有多大 ； 还剩朝什么方向的； 管理费如何算 ； 早来的鸟儿有折扣吗？
。
有人换款吗？ 手续费要还多少 ？还有优待吗？银行方面呢？什么要注意的？。。。等等

kookk

如果SA们像你这样资讯发达，迅速回答，Setia 老板股东们，每天都在笑得见牙不见眼。我的朋友们也 ...
Ken211074 发表于 26/3/2012 21:59

哈哈。

我之前有了解过cluster的info, 有点忘了。
我记得土地面积3X x 80,建筑面积28XX sq ft.款式是cluster showhouse两款左边的那款。右边那款是在semi d旁边的那个，还没开卖。
Rm888k是early bird price.
有0%interest until construction completed.
其他优惠跟其他排屋一样， free legal fee （snp 和 loan agreement）还有MOT的stamp duty.
有三十几间在卖。
位置在club house下面bamboo左边的三角地带。   
所以跟所有双层和三层排屋属于同一个区。

hahu

请问大家有为自己的新屋子买保险了吗？一般你们买几年的保险，一次付清玛，哪种保险好？谢谢帮忙。

kookk

请问大家有为自己的新屋子买保险了吗？一般你们买几年的保险，一次付清玛，哪种保险好？谢谢帮忙。
hahu 发表于 29/3/2012 12:14

你的贷款loan agreement签了？你借什么银行？package怎么样？

你换了屋子的款式了吗？

保险?你是说MRTA或MLTA吧？

Mortgage Life Insurance

Mortgage Life Insurances are designed to pay off the outstanding loan balance in the event that the borrower dies or suffers from total and permanent disability (TPD) before the loan is fully paid off.

Basically there are two types of mortgage life insurance available in the market. One type is commonly known as Mortgage Reducing or Decreasing Term Assurance (MRTA or MDTA) and the other choice is Mortgage Level Term Assurance (MLTA).

Mortgage Reducing Term Assurance (MRTA) or Mortgage Decreasing Term Assurance (MDTA)

MRTA or MDTA is a reducing term life assurance specially designed to protect a loan borrower against death or TPD (total permanent disability) due to natural or accidental causes. Some lenders will allow you to finance and add the premium to your home loan (up to a certain percentage of your loan amount).

MRTA or MDTA is a simple insurance policy and has become a common and acceptable policy taken up by the borrower whenever he takes up a mortgage loan. The premium is paid upfront in one lump sum. Some lenders will finance and add the premium to your loan. The borrower can choose the amount and tenure of the coverage and the amount of premium will be determined by these factors as well as his age and gender. Banks normally encourage the borrower to take up this policy by giving better pricing on their interest rates if the borrower signs up a MRTA or MDTA policy.

To the borrower this is relatively a hassle free, affordable and necessary policy as their mortgages are covered in the event of any unfortunate incident that may caused death or TPD.

Mortgage Level Term Assurance (MLTA)

MLTA is a slight variation from MRTA or MDTA and offers an alternative for a borrower who is looking for a life insurance which offers protection plus savings and in some policies returns on the premium.

Premium is paid on a monthly, quarterly, half yearly or yearly basis and the policy holder can choose to have a wider coverage other than death and TPD. The amount of the premium will be determined by the usual factors and the scope of additional coverage.

Comparison and Features of MDTA and MLTA

Life-MLTA

1. Transferable
This policy is transferable whenever the borrower buys a new property or refinances his loan with another bank.

Example: Transfer this policy, adjust the sum assured to match the new loan, as many times as you need.

2. Insurability is Guaranteed
You purchase only once, with the same sum assured, there is no need to prove your health condition again.

3. With Savings or Returns (Cash Value)
Premium paid will be accumulated either as savings or savings plus returns. The cash value can be used to reduce or pays off your mortgage.

MRTA
1. Not Transferable
In most cases, new MDTA policy has to be taken up whenever a borrower changes his properties or refinances his loan with another bank
Example: 5 yrs later, refinancing at the older age, for same tenure of same loan amount, the MDTA cost is higher.

2. Insurability is not Guaranteed
Most of the time every time you finance your property, you have to prove that you are healthy to purchase MDTA.

3. No Cash Value
It is an expense with zero cash value at end of the mortgage tenure.

In lament term with example :
For example : The applicant name is Ken. He's a 24 male and bought a property for 230k but he only take 100k loan.

MRTA scenario
So if he purchase RM100k for 30 years MRTA the premium will be RM2165 and the surrender value from time to time is less and less. So, if anything happen to Ken at 5th year, the benefit he get from insurance com will be RM95299 while 10th year will be RM87319. So at the end, the value will be zero at 30th year.

MLTA scenario
If he purchase same RM100k and 30 years MLTA, he needs to pay RM61 every month and gets the level protection. He can choose to pay monthly, quarterly, semi-annually or annually. If Ken is TPD and can't make a source to pay for monthly installment, the benefits he get is RM100k no matter at which year. If Accidental death it would be X 2, the benefits will be RM200k. This is consider savings and you get the level benefits no matter 1st year or 18th or 30th year. Because the surrender value is high and higher. If Ken have nothing happen at 30th year, he can get back the value he prepaid. This is the benefit you get from MLTA. And, Ken is only 24, if he buy a better property, he can bring this MLTA over to that property and extend it.

http://www.malaysialoan.com.my/2011/01/different-between-mrta-and-mlta/

hahu

多谢，贷款还在处理中，只是银行的人问我要不要为房子保险，屋子没换。觉得换起来麻烦，就算了。

kookk

多谢，贷款还在处理中，只是银行的人问我要不要为房子保险，屋子没换。觉得换起来麻烦，就算了。
hahu 发表于 29/3/2012 23:11

哦。那你自己考虑要不要买MRTA或MLTA吧。如果你有dependents的话，可以考虑其中一样。如果你自己另外有足够保额的人寿保险也可以。

zhixuen

其实我比较担心的是门牌。


SA有说过SEC是没有4号门牌的对吗？
kookk 发表于 24-3-2012 03:26 AM

Setia 的门牌是没有4号的。
34 = 32A
24 = 22A

kookk

Setia 的门牌是没有4号的。
34 = 32A
24 = 22A
zhixuen 发表于 30/3/2012 08:05

哦。如果是那样的话就太棒了。

你也是买setia的房子吗?因为bukit indah贴的网友说他们的门牌有4。

zhixuen

我买的是第10区180degree。正在装修

kookk

我买的是第10区180degree。正在装修
zhixuen 发表于 30/3/2012 09:08

setia indah?哦哦。这么快拿琐匙了。可以请问180 degree是多少钱吗？after discount.

听说第10区的保安很好噢。没有license或IC都不给进去.

zhixuen

setia indah?哦哦。这么快拿琐匙了。可以请问180 degree是多少钱吗？after discount.

听说第10区的保 ...
kookk 发表于 30-3-2012 09:13 AM

2010 年年头买的 358 千 还有 bonus 11888.
现在要400 千 ++

kookk

2010 年年头买的 358 千 还有 bonus 11888.
现在要400 千 ++
zhixuen 发表于 30/3/2012 15:36

wow. 好棒的价钱。。。。

kookk

我买的是第10区180degree。正在装修
zhixuen 发表于 30/3/2012 09:08

对了，可以请问你的装修大概要花多少钱？

有没有地头蛇进去包场？