shingirl

any idea........ if i wanna look for id.......... i just bring my floor plan and walk into any id shop?

ya lor..... god's blessing and a good agent...... =)

worldangel: the unit is vacant because the owner got married last year and move to stay with her husband =) sand: not sure all condo 3 months or not........ because bank tell me they need 10-12 weeks? if i buy CASH, then 4 weeks..... haha......... no $ buy cash la booy: it's at joo chiat place... actually i din bargain.... i just view the house at 12pm.... then my husband like it cos the unit number is the same as his parents' flat... then 3pm my mum go and see.... she say ok...... then 7pm my dad go and see....... and ask me quickly issue a cheque. then i just issue the cheque and ask then agent help me lor. but of cos during the time in between i went to check the valuation price with the banks la.....lol.....

ya it's a condo........ comes with cabinet in rooms and kitchen...... marble living room and parquet bedroom....... however the previous owner is still single when she bought the house........... so the kitchen is totally brand new........ but the living room and bedrooms has been ID-ed by her....... but it was soooooo........ 'single'....... not suitable for couple and kids..... therefore need to re-do.... =)

After 3 years of waiting for property price to come down, we finally get our apartment within 2 weeks of intensive house viewing. It's totally god's blessing because we need to move in to our own house before our wedding next feb. Therefore, after viewing this house, we offer a price which is 65K below the owner's asking price. The agent was shocked when we offered a 1% deposit of our price on the spot and 'force' him to pass to the owner. After one week of praying, the owner accepted our price. =) Anyway we are first timer buying a house, and i really dunno what i should do now. I can only collect the keys 3 months later, and need to have the house ready by end of the year. please advise Here's my little 928 sqft apartment =)

hi i need to check if you guys........ if i enage ho bee..... does it mean that i must design the house myself? meaning i tell him what i want and he do only?

Just to check....... my husband and i are believers of feng shui.......... yet at the same time we are catholics.......... We are getting our apartment soon.... therefore we will seek advise from the Master..... yet we wanted to have a chirstian altar........ Anyone did that before?

=).......... all the banks had reply me about the approval except for maybank....... they are real slow.......... they told me the evualation need 4 days wor.........

hi there, may i know for the initial 3d design photos, do u did it yourself or the ID do it for you?? im know nuts about renovation and now i dunno where to start on my apartment. =)

ncy let me have the contacts too

hi........ can i have the contacts? i need to polish my marble living room and parquet. small unit through. =)

Any idea who i can find to polish my marble living room floor and bedroom parquet

anyway i go with maybank with the fixed rate............. sibor is too risky for me......lol because im the type who will keep checking the sibor rate every other day.........stressful

hmmm..... like i mentioned in the previous post, i signed the OFFER to purchase........lol...... not the option to purchase....... i do understand the point about how bank decide whether loan or not loan because actually im from the loaning industrial too......lol....... just that im not from the mortage side...... so im not brave la...... is just that what the banker can excess and check..... i myself can check....... and we had never ever taken up any loan before...... so it's fine for me. but of course i will only exercise the OTP when my loan is totally secured or i strike toto

hi........... can you please help explain what do you mean why clawback 33%? becos im still deciding whether to take maybank or SC.........lol

hi... thanks for your help. anyway im shortlisted to 2 packages: SC lock in 2 years: first year 1.5% fixed, second yr onwards sibor + 1.35% Monthly installment will be awarded point just like credit card...... Maybank lock in 3 yrs. first year 1.6% second year 2.6% (if i loan below 70% then 2.2%) 3rd year 2.9% most likely i will go with maybank....... i shall apply from these 2 banks first and see how. =)

for me i prefer staying at telok karua area...... because it's quiet and peaceful........ most importantly most are smaller projects....... meaning not so complicated and having share your facilities with more people

sorry......... my OTP = offer to purchase. Not the option to purchase =P

Hi... Yes i had signed the OTP. I have not gotten the in-principle approval yet but im pretty comfortable because i had set aside cash in case my loan is reduced. now u said dun take board rate......... so do you mean do not take those rate that is sibor + X.XX% ????? dbs now having this promo locking period 2 years first year is flat rate @ 1.5%, second year onwards is 3 months sibor + 1.35% what do you advise? thanks alot........ im a first timer so i do not know much.

hi, now i have found my unit. =) next step.... bank loan............ now im not so concern about being approved or not approved. There are so many packages in the different bank, im more concern with the difference between them. So should i walk-in every bank and find out more? or i can just call then bank up and ask?

i like to check something: let's say i declare my income low.......... therefore the bank may only grant me a loan of $40 due to my declared income. (example figure) i bought a house at $100 and valued at $100. i intend to take a loan for $60 only, the rest of the 40% i will pay by cash/cpf. will the bank loan me $60 since it's only 60% loan?

if you are thinking to buy it from the developer...... i think there's only one unit left......... and thats the townhouse i like the location but i think the price is not right for me........ =(

ya............. must be so good that she will pm us to recommand..........

Hi all, im getting a small private apartment soon. Just like to check, when i wanna look for ID/Contractor, would they quote me more if they know that it's a private apartment? becos i do understand that some ID quoted much more on condo even though the size is much smaller than a HDB flat. Is there's any advise? Thanks

hi, im a first timer looking for private housing in D15 or D16. Looking at 3 room with a budget of $750k you mentioned: "There are definitely good buys around. Just keep a look out for those gonna TOP or fire sale units. Mostly developers want to sell them fast as the original buyers either defaulted or didn't secure a bank loan. However, check the smaller listing websites instead of the major ones." there's some question i need to seek youe help. 1) where or how should i go around to find those TOP or fire sales units? 2) what are the smaller listing website? i appreciate your help. Thanks