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	<title>Comments on: Progress update by Stages</title>
	<atom:link href="http://bayan-villa.com/2009/10/14/progress-update-by-stages/feed/" rel="self" type="application/rss+xml" />
	<link>http://bayan-villa.com/2009/10/14/progress-update-by-stages/</link>
	<description>A site is for sharing, dedicated to the purchasers who care, by Sam.</description>
	<lastBuildDate>Wed, 29 Sep 2010 03:32:08 +0000</lastBuildDate>
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		<title>By: Sam</title>
		<link>http://bayan-villa.com/2009/10/14/progress-update-by-stages/comment-page-1/#comment-3625</link>
		<dc:creator>Sam</dc:creator>
		<pubDate>Mon, 27 Sep 2010 03:38:23 +0000</pubDate>
		<guid isPermaLink="false">http://bayan-villa.com/?p=192#comment-3625</guid>
		<description>&lt;b&gt;Ryan,&lt;/b&gt;
kindly check out or renovation contractors&#039; contact in the forum, we are actively discussing about it.</description>
		<content:encoded><![CDATA[<p><b>Ryan,</b><br />
kindly check out or renovation contractors&#8217; contact in the forum, we are actively discussing about it.</p>
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	<item>
		<title>By: Ryan</title>
		<link>http://bayan-villa.com/2009/10/14/progress-update-by-stages/comment-page-1/#comment-3240</link>
		<dc:creator>Ryan</dc:creator>
		<pubDate>Wed, 18 Aug 2010 04:22:01 +0000</pubDate>
		<guid isPermaLink="false">http://bayan-villa.com/?p=192#comment-3240</guid>
		<description>I am looking for grilles contractors. Pls message me with quotes. 3 + 1 unit.</description>
		<content:encoded><![CDATA[<p>I am looking for grilles contractors. Pls message me with quotes. 3 + 1 unit.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Bayan-villa</title>
		<link>http://bayan-villa.com/2009/10/14/progress-update-by-stages/comment-page-1/#comment-3154</link>
		<dc:creator>Bayan-villa</dc:creator>
		<pubDate>Tue, 03 Aug 2010 08:48:28 +0000</pubDate>
		<guid isPermaLink="false">http://bayan-villa.com/?p=192#comment-3154</guid>
		<description>&lt;strong&gt;Bayan-villa...&lt;/strong&gt;

[...] something about bayan-villa[...]...</description>
		<content:encoded><![CDATA[<p><strong>Bayan-villa&#8230;</strong></p>
<p>[...] something about bayan-villa[...]&#8230;</p>
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	</item>
	<item>
		<title>By: Jerry Chiang</title>
		<link>http://bayan-villa.com/2009/10/14/progress-update-by-stages/comment-page-1/#comment-925</link>
		<dc:creator>Jerry Chiang</dc:creator>
		<pubDate>Thu, 17 Dec 2009 08:28:55 +0000</pubDate>
		<guid isPermaLink="false">http://bayan-villa.com/?p=192#comment-925</guid>
		<description>Thanks all for your comments and special thanks to Sim for the excel file, i still dono how to use it yet thou i downloaded it, i&#039;ll spend sometime learning it once i got time, thanks so much!</description>
		<content:encoded><![CDATA[<p>Thanks all for your comments and special thanks to Sim for the excel file, i still dono how to use it yet thou i downloaded it, i&#8217;ll spend sometime learning it once i got time, thanks so much!</p>
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	</item>
	<item>
		<title>By: Bayan Villa, Bukit Ikhlas &#187; A brisk update: November 10, 2009</title>
		<link>http://bayan-villa.com/2009/10/14/progress-update-by-stages/comment-page-1/#comment-658</link>
		<dc:creator>Bayan Villa, Bukit Ikhlas &#187; A brisk update: November 10, 2009</dc:creator>
		<pubDate>Tue, 10 Nov 2009 03:48:33 +0000</pubDate>
		<guid isPermaLink="false">http://bayan-villa.com/?p=192#comment-658</guid>
		<description>[...] is telling me are the Bukit Ciri and Sun Garden one. He continued, Bukit Ikhlas will be charging us 2(h), which is another 5% of the payment in this month. It is a good idea, I suppose. Perhaps I will [...]</description>
		<content:encoded><![CDATA[<p>[...] is telling me are the Bukit Ciri and Sun Garden one. He continued, Bukit Ikhlas will be charging us 2(h), which is another 5% of the payment in this month. It is a good idea, I suppose. Perhaps I will [...]</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Sam</title>
		<link>http://bayan-villa.com/2009/10/14/progress-update-by-stages/comment-page-1/#comment-549</link>
		<dc:creator>Sam</dc:creator>
		<pubDate>Thu, 29 Oct 2009 09:31:41 +0000</pubDate>
		<guid isPermaLink="false">http://bayan-villa.com/?p=192#comment-549</guid>
		<description>hap,
good luck to you on Aman Heights too.</description>
		<content:encoded><![CDATA[<p>hap,<br />
good luck to you on Aman Heights too.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: hap</title>
		<link>http://bayan-villa.com/2009/10/14/progress-update-by-stages/comment-page-1/#comment-542</link>
		<dc:creator>hap</dc:creator>
		<pubDate>Sun, 25 Oct 2009 15:53:44 +0000</pubDate>
		<guid isPermaLink="false">http://bayan-villa.com/?p=192#comment-542</guid>
		<description>Congrat to Bayan Villa buyers. After so long, the project is finally on the track to completion. Good luck guys and look forward to more good news.

Aman Heights buyer</description>
		<content:encoded><![CDATA[<p>Congrat to Bayan Villa buyers. After so long, the project is finally on the track to completion. Good luck guys and look forward to more good news.</p>
<p>Aman Heights buyer</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Bayan Villa, Bukit Ikhlas &#187; Blog Archive &#187; All about Homeloan (HL)</title>
		<link>http://bayan-villa.com/2009/10/14/progress-update-by-stages/comment-page-1/#comment-521</link>
		<dc:creator>Bayan Villa, Bukit Ikhlas &#187; Blog Archive &#187; All about Homeloan (HL)</dc:creator>
		<pubDate>Wed, 21 Oct 2009 03:20:23 +0000</pubDate>
		<guid isPermaLink="false">http://bayan-villa.com/?p=192#comment-521</guid>
		<description>[...] Calvin leong has shared some useful tips on getting the right bank for a suitable package here. Some of you like Ewyong, Sim, wayloon, and perrin share their homeloan experience too. Thanks to [...]</description>
		<content:encoded><![CDATA[<p>[...] Calvin leong has shared some useful tips on getting the right bank for a suitable package here. Some of you like Ewyong, Sim, wayloon, and perrin share their homeloan experience too. Thanks to [...]</p>
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	</item>
	<item>
		<title>By: perrin</title>
		<link>http://bayan-villa.com/2009/10/14/progress-update-by-stages/comment-page-1/#comment-514</link>
		<dc:creator>perrin</dc:creator>
		<pubDate>Tue, 20 Oct 2009 02:12:18 +0000</pubDate>
		<guid isPermaLink="false">http://bayan-villa.com/?p=192#comment-514</guid>
		<description>oooohhh...guys, thanks a lot for your suggestion. sighhhh....i sakit otak betui.....erm ermm...but the sales agent told me if i were to get international bank, there are more changes that they have to do (which they should, since i&#039;m buying a property from them!) and hinted that i might have to pay the lawyer fees for S&amp;P. wtf wei?! sighhhh</description>
		<content:encoded><![CDATA[<p>oooohhh&#8230;guys, thanks a lot for your suggestion. sighhhh&#8230;.i sakit otak betui&#8230;..erm ermm&#8230;but the sales agent told me if i were to get international bank, there are more changes that they have to do (which they should, since i&#8217;m buying a property from them!) and hinted that i might have to pay the lawyer fees for S&amp;P. wtf wei?! sighhhh</p>
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	</item>
	<item>
		<title>By: Calvin Leong</title>
		<link>http://bayan-villa.com/2009/10/14/progress-update-by-stages/comment-page-1/#comment-511</link>
		<dc:creator>Calvin Leong</dc:creator>
		<pubDate>Mon, 19 Oct 2009 15:39:48 +0000</pubDate>
		<guid isPermaLink="false">http://bayan-villa.com/?p=192#comment-511</guid>
		<description>perrin,

I have a few formulas for HL. If you seek the lowest interest rates, look for the smaller banks. EON and Alliance have very good offers. EON advertise -2.3 at one point (whole tenure). 

I don&#039;t like internationals banks. They are not really competitive. 

If you opt for fix rate, I doubt you can get good rate. 

After that look for convenience. Going bank every month can be quite a hassle. 

Lastly, get flexi if possible if you&#039;re planning long. Don&#039;t under estimate how much you can save by holding off your Credit Card bills before the last day.

Don&#039;t forget that you can negotiate with your banker to counter-offer your rate.</description>
		<content:encoded><![CDATA[<p>perrin,</p>
<p>I have a few formulas for HL. If you seek the lowest interest rates, look for the smaller banks. EON and Alliance have very good offers. EON advertise -2.3 at one point (whole tenure). </p>
<p>I don&#8217;t like internationals banks. They are not really competitive. </p>
<p>If you opt for fix rate, I doubt you can get good rate. </p>
<p>After that look for convenience. Going bank every month can be quite a hassle. </p>
<p>Lastly, get flexi if possible if you&#8217;re planning long. Don&#8217;t under estimate how much you can save by holding off your Credit Card bills before the last day.</p>
<p>Don&#8217;t forget that you can negotiate with your banker to counter-offer your rate.</p>
]]></content:encoded>
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