LK, we do a lot of stretching, breathing and resting in yoga => But me lazy, never practice at home. Flexible? Oklah... But cannot eat 1 hr before and after the class lei... So now gg to get some cereal drink to tahan for next few hours.
tlc, yes, in Msia we only get key when the developer obtain CFO (Certificate of Ownership) from governtment. Not necessary 20%, depends on the developer. Some even said RM500 downpayment! For ours is 10% cash on the spot when we want to confirm the unit. So borrow from my hubby's mother first. The remaining lend from OCBC JB. But the housing rate very expensive. Ours 1st year 1.35%, 2nd year 6%, then 6% plus... Unlike in Spore 2.5% +/-
U interested to get a house in JB?