Case studies, Food & Reviews, Houses, Luxury condominiums, Marketing, Real estate, References

What do you think of North Kiara? Would you shift your interest over the other side of Mont’ Kiara?

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More often than not, when mentioned Mont’ Kiara, it is mostly associated with high rise luxury condominiums and expensive penthouses and properties. Expatriates are most familiar with the area, and with its wide range of amenities and matured landscape, it’s easy to make a choice. However, since 10 years ago, Mont’ Kiara has outgrown its capacity. With every high rise apartment/condo built to accommodate demands, it’s running out of space and congestion is almost unbearable.

Everyone wants a piece of Mont’ Kiara but with the land drying up and prices are not as affordable as one would like, what are the alternative(s) for these people?

For tenants, it is merely a pick and choose situation as there are plenty of units available around the area but when it comes to price vs. building, they may have to think twice. Usually, older apartments comes with cheaper rental price and more simple furnishing. The ones in the middle category are those with the greater dilemma – those looking at around RM 3,000 +- rental per month. They wouldn’t want an old apartment that costs lower. Not that the money in view is a lot, but it is almost certain that it wouldn’t get them anything they are looking for and it is pretty rare a nice little unit is around for them to pick.

And usually, these units to-let are in the market for some time. As it goes, what started as a bare unit or partially furnished unit is now a fully furnished one. And it is again, almost certain that the landlord would increase the price a little in that aspect. Now, the tenant probably have a list of units that are older, pricier and fixed with some unwanted furniture (although some landlord could remove those not needed) to choose from. It is common that they take a longer time to view and choose and engaged with multiple agents to bring them around.

As for buyers, apart from some occasional fire sales or below market value units, anything that’s newer, well-kept and ‘investable’ costs about RM 700-800psf. And if you are talking about a 1,500 sqft apartment, that’ll set you around RM 1M to 1.2M. Although the market is slightly softer as we move in 2018, the price psf will still hover around that bracket and with bigger, newer and less costly units coming up around the other side of town, would they shift their sights?

North Kiara aka. Segambut stretch

Years ago, many would shy away when they were proposed something around that area. Couldn’t blame them. North Kiara or the Segambut area is not exactly what they have in mind when they speak of high-end living space. But technically, it is just a passage away from the fancy Mont’ Kiara proper. I was personally introduced to the location almost 15 years ago when I was looking around for a place and Mont’ Kiara is out of my league at that time and this was the next best thing. Question is, is it still, now?

For the past 5 years, there has been a-lot of activities around this part of town and newer condominiums sprouted with attractive prices and exciting layouts. The build quality and overall design is also comparable to the ones found in Mont’ Kiara. With the likes of Concerto, Anjali, Scenaria, Royalle, Verdana and 28 Dutamas holding the mantelpiece at the moment, there will be more coming up from this side of town to usher new homeowners to a location where they think is the next ‘place-to-be’.

The slightly reduced price psf for these developments mainly points to the fact that they are located at the less-affluent part of Segambut. But what will the future hold for this area in the next 5-10 years?

Just a mere 5 to 20mins away from its more illustrious neighbors, Segambut or North Kiara will no doubt rise to its potential. It’s just a matter of time. Old residential and undeveloped land will make way for its new projects and more and more home-buyers will definitely take notice of it soon.

Just a point to ponder. Many home-buyers within the next few years are more likely to opt for price over status. If living in a location with cheaper options and still within a stone-throw away to the superstar spot, would the answer be ‘why not’?

Let me know if you have any inquiry or simple looking for something in the above areas. I’ll be more than happy to be your guide. Cheers!


For a more detailed look at Segambut (North Kiara) transformation and it’s upcoming recognition as one of KL’s sought after location, please find the following article by PropertyInsight at http://propertyinsight.com.my/area-focus/segambut-comes-of-age/

Image courtesy of Anjali of TAGO.

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Entertainment, Food & Reviews

Ray’s birthday yo..

Hey Ray, Happy Birthday! Hope you don’t mind a small little cake, few close friends and some fake fries and burgers to go… heheheh..

Kinda crappy we forgot to take a group pic! Sigh.. too excited yo. But at least this round you get the whole pic for yourself.. nyeak!

Many happy return and keep up the good work! It’s certainly a privilege to have you as a friend. See you tomorrow for our badminton session. Take care buddy!

Case studies, Family, Food & Reviews, Houses, Marketing, News, Real estate, References

Our maiden 19 Perdana show unit open house

Just wrapped up our first show unit open house for 19 Perdana last weekend and it is quite a showcase. We had visitors and buyers from nearby mostly and despite some morning and afternoon showers, a good bunch did turned up to see what this is all about and they left with good impression! A couple of them came twice across the 2 days too. Now, just a little follow up should do the job!

Would like to thank the whole team to make this happen. Thanks to Steph, Glenn, Ray and Caroline for taking their weekend off to help out. Can’t imagine myself taking on a few clients at the same time. And also thanks to Nieyko for preparing most of the pre-open day stuff from the marketing perspective.

Did a few selfies as I kept forgetting about having some shots with those nice people. Also, thanks to the man behind the houses, Mr.Tang for giving us this opportunity and stayed with us most of the time during the event to discreetly help us monitor the progress of the sessions.

We’ll be having another round soon and we hope to seal some deals in the coming days and complete the 12 units and call it a day soon! See you guys then. Watch this space..

Food & Reviews, Houses, Marketing, Real estate, References

19 Perdana Semi-D @ Pandan Perdana

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Just got my hands on this exclusive project from a boutique developer (Hamton Realty Sdn Bhd) and it’s going to be my pet project for the next 3 months. 19 Perdana consist of 12 exclusive ‘hand-crafted’ semi-detached units located in Pandan Perdana. This is a location about 9km away from the city center. It sits nicely in a place where the accessibility to nearby township like OUG, Sri Petaling, Taman Maluri and Cheras south just minutes of drive away.

Location

The location is accessible from Cheras and KL via Jalan Cheras and Jalan Loke Yew respectively towards the MRR2. Another entry/exit is through Taman Pertama although the route is less used by commuters. So, we have a fairly good access to the area without cramming at one passage. The surrounding area is also matured with a good variant of shops and eateries without having to travel too far out for running errands or for a decent meal.

Amenities/check-ins

When an area is well developed, you can certainly find numerous amenities in almost every corners and also certain facilities or public services to serve its residents. Just a minute drive out, you will have a few blocks of shop-lots with eateries and a variety of shops to fill your need. There is also a police station nearby to calm your sense of security.

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Row of shops in Pandan Perdana
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Pandan Indah town

If you’re feeling adventurous, there are always Pandan Jaya and Pandan Indah to go to. These are the places well known for their eating spots and entertainment outlets. The area also boasts as one of the more matured neighborhood around Cheras/KL with a good number of facilities and outlets (banks,hospitals, schools, car workshops, a fire station etc.) to choose from. Although the traffic and crowd is slightly more congested than one prefers, you do however, never having to travel far for your daily undertakings.

Not too far away, you also have Pantai Hospital at your service, multiple banks, petrol stations, restaurants and even a DBKL branch in Taman Cheras. For the children, there is also an international school in the form of Sri Sempurna.

There is Leisure Mall for all the shoppers in Taman Segar and do expect something in the form of Eko Cheras Mall by end of 2018.

Public transport

When you’re within this area, there will be no shortage of public transport for your commuting need. With Grab/Uber and the regular taxis and buses, this is easily taken care of. There are a number of nearby MRT stations (though not as close as one would prefer) to add to the list. Taman Mutiara, Taman Midah and Taman Pertama stations. But like everywhere else around KL, do get ready earlier and arrange your commute accordingly to avoid disappointment and tardiness.

After covering some of the more common issues when looking at a potential property buy, it’s time to look at why Hamton’s 19 Perdana.

If you’re looking for an exclusive, affordable (size by cost) and a location with great potential, then  look no further than 19 Perdana. With such huge layouts and build up area, the price would double if it is somewhere else.

There are 3 types of units to choose to suit everyone. From a conventional basic TYPE A, there is also TYPE B for those who loves huge area for their kitchen and dining space. For bigger family size, TYPE C would be perfect with an extended room for the parents, not only with a master-bedroom like area for them at the ground floor, there is also enough space dedicated for them to fulfill their daily needs.

By the way, this is a FREEHOLD property right in the mix of KL address. There are not many freehold land left around this part of town and looking at one of the next in line development area, this is a matter of when rather than will it be developed. So, appreciation is certain – how much is the question.

All units comes with an immediate rebate of RM 150k off its asking price (both BUMI and NON-NO-BUMI buyers). For BUMI buyers, they are entitled for another 5% discount on top of the rebate which make it more affordable than it already is!

For those familiar around the area and are looking for a good buy and at the same time want something of a bargain for the long run, this is it. Come and have a look and be amazed what 19 Perdana has to offer. We will be arranging for OPEN-HOUSE events from time to time. So, make yourself free then and drop by for a viewing!

Entertainment, Family, Food & Reviews, News, References

Nu Skin EcoSphere water purifier

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Hey, what’s this? It’s the new water purifier system from NuSkin – ‘Ecosphere’! Just got the news earlier last week and went for the briefing about this newest addition to the NuSkin product family hot on the trail of the AgeLOC LumiSpa™. It will be mde available to all in January 2018.

Many of us have or may think of getting a water filter/purifier at some point but what are the main reasons and what are the factors at play that we want one? Generally, based on claims from certain quarters, Malaysia’s tap water is safe for consumption. But I doubt neither of us would want to quench our thirst straight from the pipe right? Why? Personally, I have a simple water filter at home and has been using it for like a couple of years.

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We all know no matter how ‘clean’ the water is supplied to our homes, we would never want to consume it right away. Either we boil it or merely get a water filter to do the job efficiently. But do you know what is actually inside the water even after it is treated in the water-plant?

For starters we have these:

Heavy metals: Lead, Arsenic & Copper

Synthetic chemicals: Chlorine, Fluoride & Pesticides

Pollutants: Fuel, Sediment, Sewage & Rust

With the above substances inside our water, one would easily tell it’s not safe for consuming, well at least for long term. We all need something that works, cost-effective and also, something classy to work for us. Enter NuSkin EcoSphere Water Purifier! What is so special about this and what sets it apart?

The EcoSphere Water Purifier eliminates harmful toxins, chemicals, and other impurities from tap water to provide clean, safe drinking water for you and your family to drink healthy. Its i4 UltraPure Technology is representative of NuSkin’s commitment to superior water purification. It consists of intelligent 4-stage ultra purification technology that supports overall wellness and helps you avoid health risks by effectively eliminating 99.9999-percent of bacteria. This intelligent 4-stage ultra purification technology is superior to carbon block filters or even microfiltration. Hop over to https://www.nuskin.com/content/nuskin/en_SG/products/EcoSphere-Water-Purifier/about.html to read more about the product.

Ad-experienceFinally, if there’s something at home that I want and it’s efficient doing what it does, it has to be classy and minimalist. NuSkin never fail to offer its range of products that is not polished and elegant. The installation is simple and most of all, it wouldn’t look out of place anywhere in the kitchen or anywhere with  tap and power point.

At night, there’s even a luminous blue light emitting from the top and it is a most wonderful sight when you want to get a glass of total purified water in the dark. The faucet extension is also carefully and neatly designed for an uncomplicated look and use.

We can’t wait for the availability next year and while getting younger and healthier, we are also decorating our home with more and more stylish items from NuSkin. Offering someone we love the most there is to offer is the best gift we can bestow. Mom and Dad certainly need one of these!

Signing off. Until we owned one of these… cheers to a healthy and clean clear glass of water !


Images courtesy of Nuskin Enterprise and all related agents and parties involved.

Entertainment, Family, Food & Reviews, References

Star Wars : The Last Jedi is delightful!

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Caught the movie on the opening night itself (14th Dec 2017) after feeling a little jaded from work earlier. The 3 of us caught the 10pm show as the little guy don’t have to go his holiday tuition the next day. And we didn’t know it’s a 2 1/2 hours show.  And what do we, or rather I think of the movie as a Star Wars fan? It was brilliant. But there’s a chapter where I think it’s a little unnecessary (or could be done in another way) which took the gas off a little. Mild spoilers ahead.

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The opening scene is something what all Star Wars fan wanted, a space battle with Star Destroyers, X-wings, Tie-Fighters and some Rebellion bombers (MG-100 StarFortress SF-17). There is a new ship called the ‘Dreadnought’ (Mandator IV-class Siege Dreadnought) which is simply beautiful and deadly, only the screen time dampens it’s classiness. A movie like this should have a fast-paced opening scene to settle the expectation and this didn’t fail. Wonderfully shot and a little emotions was thrown in by the end of the 1st act.

Although the Luke-Rey piece sort of slowed down the approach somewhat but it gives the impression that the new Star Wars franchise do really want to focus more on character development rather than pure good-evil battle scenes. I enjoyed how the relationship unfolds and what is in store for Rey as well as Luke Skywalker after the latter lost all interest in reigniting the Force and the continuing the Jedi reform.

As mentioned earlier, the part where it is a little cumbersome and could be done slightly different is where Finn and Rose went about looking for a codebreaker in the planet Canto Bight. I personally don’t see any continuation of that part to the rest of what is happening in space. The casino and the Fathiers (the cow horse animal) scenes are probably there just to satisfy the franchise’s tradition of having strange creatures and space inhabitants to grace the show. Another setting would be more appropriate I guess. But hey, that’s just me.

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The majestic throne room of Snoke

The part where the Rebellion is constantly pushing through various means of survival from the chasing First Order army and the tension that’s growing between Rey, Ren and Luke is one of the best approach to bring us to the final act. I was repeatedly asking when is the last frame of the movie and I was again and again brought to another setting and sequence to unravel the drama and it’s surprising and thrilling at the same time.

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The battle of Crait

By the time we get to the battle of Crait, there is a slight flashback of Empire Strikes Back – Battle of Hoth anyone?. With the incoming walkers and defending Rebellion troops in a tight area waiting to buy time, yeah this feels like it. Good scene though but not entirely captivating. And Luke’s galaxy-spanning representation is one of the most mind-blowing thing about this movie. Although it’s a refreshing take on Jedi powers, but one just feel the ending of Luke Skywalker (at least in physical form) felt rushed.

The ending is subtle and paved a good foundation to the (final chapter?) of Star Wars in Episode 9. Will the opening scene again have the First Order hot on the Millennium Falcon’s tail or it’ll be told a few good years after the latest events where the Rebels has gain back their momentum and support from the rest of the galaxy? We’ll find out soon in Dec 2019. I want to, do you?

Food & Reviews, Marketing, Real estate, References

Visually stunning and good value rentals

When we search for a place to rent, we usually look for those with a good location, nice decor, great furnishing and of course, a really good price. How often do we get these? Not often enough I must say. The first impression is equally important and something nice doesn’t always come with a nice price tag. But in this case, we have 2 equally fantastic units to offer!

First, we have Ameera @ SS2. This is our first spotlight of this month’s ‘poetry in a room’ condominium. This close to 1,300 sqft home is an award-winning unit with the Gold Award at The Edge–Haven My Dream Home Awards in 2012.  It is tastefully designed and deliciously furnished to the highest standard. With a touch of artistic punch coupled with a contemporary nudge, this is truly a home for the modern urbanites. Let me know if you need more pictures to satisfy that curiosity.

Ameera Residences is the first phase of a mixed development built by SDB Properties (a subsidiary of Selangor Dredging Bhd). The condo’s name, Ameera simply means “princess” in Arabic. This condo is expected to be fully completed by end of 2009 and would be ready for occupancy by the first quarter of 2010.

Ameera Residences has two sections – a low rise block and a 29-storey tower block. The low rise block has an “L” shaped building where one side of the building is 4-storey high and another side is 12-storey high. The low rise block features 53 villas, including limited edition garden villas and penthouses. At the tower block, there will be 237 condo units including 5 penthouses.

Ameera Residences is located along Jalan SS2/72, within the SS2 neighborhood in Petaling Jaya. It is accessible via Lebuhraya Damansara Puchong (LDP), Jalan SS2/24, Jalan 17/47, Jalan Universiti, and Sprint Highway. It is within walking distance to schools and institutions (SK Taman Sea, SJKC Puay Chai, UTAR and The Otomotif College), food outlets, corporate offices, shopping malls (Tropicana City Mall, 1-Utama) and many others.

Next, we have the newly refurbished Pantai Panorama unit. The unit was off the market for a good couple of months and what a comeback this time around. The living hall is totally revamped and was given a contemporary look and with new furniture and additional items around the unit, it gives the potential tenant a good run for their money and add in a friendly owner/landlord, this is a must go to unit if you’re looking for something nice in Pantai Panorama. As of the time of writing this, we already have 2 offers coming from 2 expats!

Pantai Panorama is a freehold condominium located in Bukit Kerinchi (formerly known as Kampung Kerinchi) in Pantai, right above the new development of 60-acre Bangsar South.

Pantai Panorama comprises of five 18-storey towers that house a total of 708 units. It was developed by AMDB and completed in 1996. The condominium is complete with full condominium facilities including swimming pools, mini mart, playground, BBQ area, spa, gymnasium, restaurant and laundrette. It is secured by 24-hour security guard service and its security is enhanced by CCTV and lift access card.

Pantai Panorama is strategically located nearby amenities and prime areas. It is just mere minutes away from Mid Valley Megamall, The Gardens and Bangsar Village. You can easily access to the condominium from Federal Highway, Penchala Link and New Pantai Expressway.


Details of each property are courtesy of Propwall.

Entertainment, Family, Food & Reviews

Mummy’s birthday!

A little late with this post as I’ve been running around lately. Nevertheless, it was 5th November, mum’s birthday! Happy birthday again mummy!

As usual, we had a simple dinner that night itself at our favourite restaurant in Sri Petaling  – Restoran Makanan Laut Soon Fatt. This place serves its food fast, big portioned and it’s delicious. Price wise, very reasonable indeed.  We had the sambal belacan kangkung (water spinach), pineapple pork ribs, spicy & sour banana leaf tilapia and the deep fried egg-fused cuttlefish. The whole meal cost less than RM100.

Once we’re done with the dinner, we headed straight home to do the cake cutting and our family photo (very simple and casual ones). We had the fruit and cream sponge butter cake. Adrian suggested we have a slightly different pose this round. The ‘dabbing’. It is pretty funny to see all of us doing that – but it turned out well and serve a good memory.

Mum had a surprise gift from us and Adrian did the wrapping and the deco. Wasn’t that shabby too. Look at the stick figures. Complete with initials. Since mum and dad go for morning walks, we decided to get her a nice Adidas Cloudfoam Galaxy 3 trainers.  We hope she liked it.

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Just want to say that my mum hold a very special place in my life and we are equally happy and grateful to have celebrated another birthday with her. We love you, mum!

Case studies, Food & Reviews, Houses, Infographics, News, Real estate

Understand your housing loan repayment scheme… it’s not as straight forward as it seems

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Most if not all house buyers will require financing to buy their dream homes. While there appears to be stiff competition among banks for market share and interest rates may be kept low, house buyers are ultimately at the mercy of banks when it comes to the detailed terms and conditions of the housing loan. (Banks in this context refers to commercial banks, Islamic banks and other financial institutions).

Unfair legal fees

When a borrower takes a housing loan, the borrower is required to execute a loan and other related agreements. This entails the borrower having to pay legal fees, the amount of which varies, depending on the loan amount – the higher the loan amount, the higher the legal fees although the complicity and level of work do not necessarily commensurate directly with the loan amount.

Although it is the borrower paying the loan lawyers’ fees, the said loan lawyer is actually acting for and on behalf of the bank. As such, the loan lawyer is not in the best position to advise the borrower if there are clauses in the loan agreement which are not in the best interest of the borrower.

In addition, in the event of any dispute between the borrower and the bank, the borrower cannot ask the loan lawyer for advice as the loan lawyer is acting for the banks.

If this is the case, then is it “fair or equitable” for the borrower to pay such legal fees when it is clear that the lawyer is actually acting for the banks? Obviously not. Hence, the bank should absorb the legal fees as the lawyers are clearly there to act for the bank and protect its interest.

Exorbitant fees for simple letters

The banking sector in Malaysia is a very tightly regulated industry. Any fees that banks intend to charge must be approved by Bank Negara. It is disheartening to note that borrowers continue to be charged exorbitant fees which seem to have the explicit blessings and consent of Bank Negara. Instances of borrowers being charged unreasonable fees for copies of redemption statement, EPF statement letter etc are common.

Allocation of monthly repayment to principal and interest

This is a story about three friends who took a housing loan (HL) of RM500,000 ten years ago. They were offered the same HL interest rate of 4.2% (base lending rate of 6.60% less 2.40%) but took different loan tenures as follows:

Albert took a 20-year HL. Eric took a 25-year HL and Jamie took a 30-year HL.

After servicing their monthly loan instalments diligently for the past 10 years, they decided to fully settle their housing loan using a combination of their EPF monies and own savings. When they asked for a redemption statement to find out what was the principal sum outstanding, they received a shock of their lives.

Albert, Eric and Jamie were under the impression as they had served 50%, 40% and 33.3% of the loan tenure, their principal sum outstanding would be RM250,000, RM300,0000 and RM333,333 respectively.

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So, when their respective redemption statement showed that Albert, Eric and Jamie still owed respectively RM301,654, RM359,415 and RM396,652, they got a big shock.

So, why did they still owe so much more than what they had thought? The answer lies in the allocation of the monthly instalment towards covering the principal sum and interest charged by the bank.

In an equitable world, the monthly instalments would be allocated on a “straight line basis” to cover the principle and interest charged. Thus, a borrower who served 10 out of a 20-year HL would only owe 50% of the original loan amount.

However, the reality is that the borrower still owes 60.3% of the original loan amount.

The typical borrower will always be “penalised” for settling his loan before the maturity date. Even in the penultimate year of the original loan tenure, the actual amount outstanding is still higher than the theoretical amount, which should be the amount outstanding had the allocation of monthly instalments been done on a straight line basis.

Is it fair and equitable?

Most borrowers do not know or even understand how this allocation is calculated. Is such an allocation “fair and equitable” to the borrower? Under such circumstances, are borrowers supposed to accept that the bank’s own generated computer system has calculated the interest correctly and allocated the payments in the correct manner?

To the borrower, they have paid 10 out of a 20-year loan, he should only owe balance 50% and not 60.3%. Is this manner of allocation not just another unjust way for the bank to generate higher profits after all the bank did receive the payments on time and in full every month. It is the dream of every borrower to be debt-free as soon as possible and it is not fair to the borrower to be penalised in such a manner when he wants to settle his loan early.

That said, borrowers have no choice but to accept the calculation of the bank as correct and final. If the borrower were to reject and not pay the required sum, the loan will not be considered as repaid in full. The borrower could even be blacklisted and even have his property auctioned off by the bank to recover the remaining sum outstanding if the borrower refuses to pay up.

It would be more transparent and equitable if the monthly payments made by the borrower are allocated in a “straight line basis” to interest and principal equally over the

tenure of the housing loan. Short of that, borrowers are at the mercy of banks.

Some banks operate like a “cartel” and standardise their fees to be charged to customers. One wonders whether such unfair practices are condoned by the regulators like Bank Negara.

It is also interesting to note that banks are exempted by the Malaysia Competition Commission allowing banks to agree and collude on unfair fees, penalties and practices to be charged to borrowers.

Unnecessary expenses

Loan agreement “printing charges” – sold between RM150 and RM350. The banks’ solicitors need to purchase a standard loan agreement from the bank (via soft copy) and adds the borrowers’ details in order to complete the loan agreement. The banks charge the lawyer and the lawyer charges the borrowers.

Standard loan agreements are now downloaded from the bank’s website or from the soft copy. The bank no longer needs to print them and should not charge for such documents. Alas, this has been continuing till to date.

Lopsided terms and conditions

Lopsided terms and “add-on” products are aplenty if the borrower wants to identify with them. It would be good practice to remove or qualify the banks’ arbitrary powers.

Conclusion

The National House Buyers Association (HBA) had on Sept 4, 2014 made representation to the Finance Ministry (MOF), Bank Negara. Housing and Local Government Ministry in the presence of Association of Banks Malaysia and Islamic Banks of Malaysia in the form of slides presentation on some observations and unethical practices of some banks.

HBA is looking to work closely with MOF, Bank Negar and all related stakeholders to level the playing field for housing loan borrowers in the long-term interest of the banking industry. We had proposed to set up a working committee to resolve all unfair practices. MOF and Bank Negara have a legitimate interest in the final shape of the banking industry into operating a principled and towards a “customer friendly arena”.


Article picked from http://www.penangproperytalk.com

Source: StarProperty.my