Home Loan Application

This year is the year where we were hunting for a property. Been visiting from one property to another in JB as we already agreed that someday we will settle-down here, insyaAllah. Hubby interested a place in one area, which is near the Nusajaya project, unfortunately the project was not launched yet then. Went to the other project nearby, but oh my....the price of the house is wayy too expensive and not worth the money (tak cukup bajet sebenarnya...hehe). But he being optimistic with the first project said never mind, we shall wait for the project to be launch..and Alhamdulillah...once its commenced its fit our budget and puas hati sangat with the design and location which we decided to purchase two houses instead of one...hehe..actually the other one is Nenek's. Then later comes the nightmare of any first home buyer....

Its the time to find the housing loan. Since we are working in Kuala Lipis, we thought it is easier for us to find a loan in the nearby bank. Furthermore there's a wife of our friend who is doing this loan thingy and decided that why not we asked for her help. Unfortunately, the loan application had been dragging up to almost three months and still we haven't heard any news. We've been arguing with officers about the late process because there is no explanation given to us whether the loan is being rejected or what. Every time we want to know about the status, we have to make the effort to call and follow-up with them. I am sooo disappointed with their service, hubby lagi la siap dah gaduh-gaduh dengan diorang.

Since the application is going nowhere, we tried to find a solution in JB. We went to C*MB and R*B bank to apply for the loan, and surprisingly they managed to approve the application within three days only. Do you hear me people, THREE DAYS instead of three MONTHS...haishhh....orang Pub*** bank memang susah ka nak approve?? Its their procedure or staff's attitude yang menyusahkan the application. By the time we know about our loan confirmation, barula we get the news that my loan application is rejected only hubby's yang berjaya. Hmm...takpala...we decided to take the offer from R*B bank...officer pon bagus, and very helpful.

Itula proses loan application yang memeningkan kepala...Luckily, its over now. Lesson learnt; tak payahla nak tolong kawan ka apa ka...in money matters, it is better to go find the resource yourself. Initially when we decided to help our kawan tuh sebab she said they have this sales target kan untuk loan and she never achieved that, tu yang kitorg ingat nak tolong. Tapi tula separuh jalan she passed the case to others and tak explain pulak kat kitorg...hampeh kan...anyway, there is still an amount we need to pay to the developer because of this incident. Hmm...bayaq je la nak buat canakan....huhu