bepgof

Since u mention bedok. B4 looking for resale hse in June last yr. I suggested Ponggol, and my wife insisted Bedok(N or S, but no Chai Chee). I've been in Bedok since 1979. At last I gave in to her. Here were her wants & my wants on "old flat": She: near mrt, floor area as big as present. Me: >20 floor, hse orientation(sunlight, airflow, view), 100k for reno, hse price 500-600k, neighbour ok.etc Now satying - 23rd fl, 32 year-old - near mrt - same fl area as previous's hse, 119msq. - reno close to 95k (incl aircon, some electrical stuff, furniture) - hse 518k+10kcov+(3%-5,400)stamp + 1% comm with 7%gst - 4unit per fl, 2 units own by parents + son(single), 1 PR indian family of 4 +maid. - everyday can see water (bedok reservoir+sea), mountains, ships, aeroplanes, cars - morning sun facing - Windows: N, E, door=W My conclusion: Where to find this kind of house !Very rare! So, chance comes, grasp first. Flat "old" is not an issue, as long as it "close to mrt".

I believed one has to answer to his own decision, regardless the situations. This is the basic principle of cause & effect = You want to do this, you will get this. Now get this and made known to public and excuses here & there. If I were the MC, would charge daily interest on outstanding, simply these ppl are enjoying the facilities at others' expense! Baywater condo at bedok reservoir does such posting on notice board also, fyi.

Basically u can't compare reno quotes paple to apple, some "intangible" factors do matters like delivery timing, quality o/p, not-calculative, coordination between sub-con, etc. A "good" quotation should be clear & transparents with figures likes psf, tile price's range, etc otherwise the ID can easily "manipulate" the material, psf etc. Your quote seems lack this features, ask the ID to re-quote with details, see mine below (finalised after 3rd round of 4-eye meeting) and yet have some discrepancies with actual as built.(see yellow highlighted). My condo was done up by this id as well, 3 yrs ago. http://img407.imageshack.us/img407/6179/te...efinalmarch.jpg http://img215.imageshack.us/img215/6179/te...efinalmarch.jpg http://img121.imageshack.us/img121/6179/te...efinalmarch.jpg

Last yr, the lady MP Lim HH already mentioned the gov (NDM, FM & IRAS) is "looking" into this and gov agreed that present one is not up to standard. Mah BT headed for HK to "steal" some "script" on this, is he back already?. Just wait & see. Anyway, what can the gov do? Besisde liciensing individual agent with point system, exam entry test, refresher course & what else?

Last time (now still have)trading share only through brokers, therefore "higher charges" need to be paid. Tech advance, now trade share on line on your own need pay "lower charges". Same here, now real estate info made available in many channels and free (quick & fast), ST posting a bit out dated(too late)already (btw, i got mine via st). Conclusion: comm % should be cut, cut, cut. Logical?

Many thanks for broaden the horizon. I think Phantom may be thinking of giving up the dream & pitch a tent at Changi beach. Gov likes "invisible" hand theory very much, ie biddings, cov, coe, land tendering, etc and claims these are "demand & supply" theory, but behind "invisible" hand is actually an visible one, and a very big and powerful one.

You're quite right, especially on the daughter part. I'm not that bad lah away want to kick dog "fly". I'm targeting at irresponsible owners. I have had dogs, cats, rabbits before, I can understand the feeling. Anyway, when dog "charge" toward" you & let it bites? Only then seek medical compensation or start lawsuit is humane? The posting of AVA contact is for info and action if necessary, no ill intention. No "ill" behaviour should not be wary about this.

Quite agreed with 2nd para. Sorry lah, don't quite understand what is "behind the curve" & which curve, the one mentioned by yoongf? If that's the case, may be gov is considering allowing cov to be paid by cpf, to "compensate" for earning power's under elasticity?

Hi Yoongf, care to enlighten & elaborate: "just that at a certain price point, there is insifficient supply"?

The answer to this is to each his own. Just my little thoughts when I choose where to stay: - Any ''good" schools for children - to/from work, car, bus, mrt? - mkt?hawker cct? - leisure parks? - senior citizen estate?

Sorry to steal the thread. FS has completely nothing to do with Chinese's Lunar 7th month. Taoism & part of Buddism practices have created much myths and veils as to FS. If do thing with "psychological pressure" in mind, better don't do, cos you've lost half the battle which yet to start.

4.7mil of population with 1mil hdb flats just completed recently. 4 ppl in 1 unit. Assume 75% pol in hdb, need 4.7m/4 = 1,175,000 flat ! Don't understand gov got statistic department to reflect ACTUAL but seems not acting (build home) quick enough to have demand met. Price sure will go up in range of 8%-15% yty. Logical for gov to slow down intake of immigrants. Interestingly, gov reset cpi's base to 100% in 2009, the rest of years' "re-adjusted", any significance?

I use MK sw in Baywater condo (already sold last yr) did not take photo. Now, hdb 5rm, specifically asked for Legrand, see pictures below: They are equally good, I lkie the "big" area & the curve look, side way. http://img42.imageshack.us/img42/3513/dscn0749k.jpg http://img209.imageshack.us/img209/8813/dscn0752.jpg

CPI 2009 at 0.6%, HDB flat 2009 at 8.1%, good or bad enough?

A. Lawyer -% of wife/husband cpf OA to use as 1st lumpsum payment, if any. - % of wife/husband cpf AO to use for monthly instalm, fill up form. Ask lawyer WHEN u can do cpf monthly instalment payment via internet. Ask lawyer what forms need to sign. -Standby to receive keys, handbook(if any), vehicle tag,etc. - Pay 6 month maintenance fee in advance to MC. Lawyer suppose to arrange this. - Standy to receive letter from IR stating u got this property dated.... and pay property tax. - Lawyer to settle with seller like remaining maintenance payment, keys handover, vehicle tag......and lawyer supposed to pass all these to u, NOT seller directly. B. Bank - Before hand, study yr loan details & nature, eg: lock in period, partial lumpsum & full redemption term & conditions - When effect 1st mnthly instalment. - How to pay partial lumpsum payment, any conditions.. Usually need to inform bank yr intention 1 month before hand, etc - If partial payment by cpf OA, go directly to CPF branch, b4 this, must decide wife's % & yr % contribution... - Important! make sure you approach the CORRECT bank's branch when doing partial/full redeemption. Ask your bank which branch your loan doc will be kept! Go to that branch while doing paper work. Some banks have comm-based "staff" who will not entertain your request as to above! C. Seller - Joint inspection one wk before taking over. -Utility acct when change-over. - Best to have a list (non-movable item) to check against, so no dispute when koint inspection. Logon to URA web, download a file named "strata living" and also a "strata list", you will know yr condo has a specifi strata #, terms like MCST, MA, MC, etc. By right, your MC(Management corporation) should be notified by either your lawyer or URA (not very sure which). Anyway, no harm double confirm with the condo manager.

PM Lee SLmentioned above during a dialogue feedback unit days ago. What was he try to imply? Can use CPF to buy 2 flats?

Well done clever boy!.

DL838, many thanks for the info.

Can image yr situations. I almost landed "homeless" with 5 ppl (inc myself), luckily pulled the brake( delay selling) in time avoiding to rent 2 pl ( one for ppl, one for bulky stuff). But ... major reno to resale flat in a big mass, wrong timing (~ started 2 mnth b4 cny), I'm still holding back 10% retention sum now... No pt sighing over the valuation & cov issure, let's go and be decisive, quickly either talke to buyer to extend yr stay (like pay him rental, I think this is best in yr case avoid to move twice), or find a place to stay. Since you have HLE, not sure if you need to pay COV in cash or cpf. Anyone can advise?

To each his own. However, if you have reno, time & money, best to repaint again.

- 1 thing sure the bus interchange will be face lifted to be air-con, in another 2 yrs or so. - "Land for sale" notice board put up on empty land, mentioning " mixed commercial & residential".

Heard there will be a private condo cum shopping mall to be built, on plot of land next to Bedok bus interchange and BI to be face lift to be air con? Anyone hear the same or can confirm?

Just to share my window grills. Noticed "seldom" hdb owners have window grills like mine. See pictures, solid & not obstructing. http://img38.imageshack.us/img38/7950/dscn0723v.jpg http://img88.imageshack.us/img88/8942/dscn0729j.jpg

When get the key already "Merry christmas & happy new year"!. Avoid reno 2 mnths b4 cny.

See picture of mine. console is customised 8ft full-teak, if add 3 pilers = 10ft. http://img405.imageshack.us/img405/6113/dscn0736.jpg