1. Can the homeowner renovate his / her purchased unit or change/ add any additional feature to the unit?
The purchaser cannot make any renovations to their purchased unit.

2. Can I use other banker instead of developer panel banker? If no, why not?
Yes, you may.

3. Who are the recommended lawyers for this project? 
David Lingam & Co., Henry Lim & Co. and D. Raja Singam & Co.

4. Can I use my own lawyer for both banker and SPA solicitor? 
Yes, you may but will have admin. charges.

5. If yes, what is the procedure / cost involved? If no, why not? 
SunCity will subsidize 50% of the legal fees incurred for those purchasers who appoint one of the Suncity's panel lawyer

6. What is the estimated timing for each billing for residential (condo, landed) & commercial property as I’m a cash buyer whereby I need to plan my financial cash flow, or I may take lesser loan amount.
It depends on the progress of the site. Upon each stage, an architect certificate will be issued to the developer, then our credit control officer will issue billing to you. Normally, it will take place every two months.

7. When can a homeowner get the title?
A strata title can only be applied only upon completion and CF is issued. Usually, it takes about 1-2 years after that.

8. Can customers choose to pay partly by cash (progress payment) for the few progress then only choose to purchase (finish off the remaining balance) by bank loan, how would this affect the agreement or will a new agreement be drawn upon?
No difference for signing S&P. However, should you require loan for the future payment, the loan approval will take about 3 months for processing. If the loan offer letter is not approved, then foreseeable that you will have to either pay in cash until loan is released; or while waiting the loan to process interest charges will be borne by you it is categorized under delayed payment.

9. How much is the stamp duty for both MOT and loan, how does it work out?
For Memorandum Of Transfer (MOT)
RM100,000 = 1%
RM 101,000 – RM 500,000 = 2%
RM 500,000 and above = 3%
For loan, the calculation is Loan Amount (RM) x RM 0.005.

10. Any other cost or hidden cost involved besides the above mentioned?
Yes, for instance disbursement (depends on your appointment of lawyer)

11. What are the procedures involved for applying consent to sell / buy property for both leasehold and freehold properties. For example: from non-bumiputra to non-bumiputra; bumiputra to bumiputra; bumiputra to non-bumiputra; non-bumiputra to bumiputra (with individual title / master title/ strata title).
For consent to sell a leasehold property, the purchaser has to write-in to land office to obtain the authority’s approval to perform title transfer. For properties that are under construction, sales transaction between a bumiputra purchaser and a non-bumiputra purchaser is not allowed. This is because the developer is required to fulfill bumiputra quota, allocated by the authorities. Upon the issuance of strata title, the bumiputra purchaser can get consent to sell his/her property to non-bumiputra customer, subject to approval.

12. I’m a cash buyer and would like to obtain loan to finance my property. Can I sell my property while it is still under construction? if yes, what is the procedure and cost involved?
Yes, subject to the developer’s terms and conditions. The cost involves is admin cost, about RM500.

13. On the procedures for selling / applying loan for and title under master title & individual title. How will it affect the sale?
Under master title, the procedure is by assignment; individual title is from land office

14. If homeowner wants to sell his or her property before the land title is issued, which party should referred to?
The Developer

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