bepgof

How come you know huh?

131K, 2.6%interest, 30yr loan tenor, monthly payment = $525. 131K, 2.6%interet, 15yr, monthly = $880

OTP exercise fee can be either 4% or 9%, must be in cash. % mentions in OTP doc.

I guessed the buyer's OTP was signed before 13/1/2011.

14 Jan 2011 new rules, maximum 70% with no current loan, 60% with one or more loan. Read this. http://www.news.gov.sg/public/sgpc/en/medi...s%20release.pdf Corrections: 1. Has only 14 days to exercise OTP. Meaning has 14 days to settle valuation + loan amount approval. 2. Start from OTP exercise date, within 14 days must pay stamp duty fee, cash first, can "redeem" from cpf later. 3. Remaining 20% (cash or cpf)(10% +20%+70%)to be paid "upon completion". Bear in mind, cpf usually takes 2 weeks to process. Pte banks to lawyer usually 3 days. Meaning that seller must be able to get 90% (70% from bank loan, 20% from cash/cpf) upon completion date. 4. There are some misc fees as well, ie maintenance fee, property tax,...etc, etc must be paid upon completion. Otherwise "completion" can not be completed.

Radiation finally here by 3 containers of vege, read today's ST front page.

I use WHITE recess downlight, 2x 13W tubes in one assembly. Folyer - 1 assy- 1 sw Hall - 7 assy - 2 sw Dining -6 assy -3 sw Study area - 6 assy -2 sw, + 2 recess tubes under top cabinet. MBR - 8 Assy - 3 sw Rm 1 - 6 Assy -2 sw Rm 2 - 6 assy - 2 sw Only WHITE light will show the actual color of objects.

Better check properly whether it is refer to "roof terrace", or just "roof". If "roof"(structural in nature) it could refer to the circumference of the buildup which causes leakage to external of building, or into windows. Defects warranties usually won't last for 10 years. Workmanship may. Good to put this remark in OTP, holds seller responsible.

Such package existed before, recalled in 2005 when I didi booking, such were offered by UOB & DBS. Later, MAS came iin http://www.mas.gov.sg/legislation_guidelin...No_ID_4_04.html Next, developers are giving "sweeteners"" like refri, furniture...vouchers, do not be overjoyed. When applyin for mortgage loan banker will ask you for these & affect the loan amount. Developers/banks are like rats, MAS is the cat. Run, chase, hide, srtike....innovative & patterns liao liao.

Definition of LOVE: -never tired of waiting; -love is kind; -love has no envy; -love has no high opinion of itself, -love has no pride; -love's ways are ever fair, -it takes no thought for itself; -it is not quickly made angry, -it takes no account of evil; -it takes no pleasure in wrongdoing, -but has joy in what is true; -love has the power of undergoing all things, -having faith in all things, -hoping all things. You have all of them?

Comparatively, Singapore property is much cheaper than the similar nature in Taiwan, HK, Japan, some cities in China, some cities in India, Jarkatar, etc etc if you make a study. MBT keeps mentioning homes in Singapore are affordable. As long as price index for respective zones is kept within +10%yoy, (cpi 4.5% already making noise!) gov will "let the mkt does the job". Unless "extra rich" will consider oversea property purchase, but yet many other factors to be considered leh. - Political stability. - Community security - Taxation structure - Stay/rent? etc etc

The developer will not entertain the 2nd & subsequent owner, even within so-called liability period. Under S&P, the warranty is established between 1st owner & developer. In other words, warranty voids automatically as long as there is a ownership transfer from 1st owner to another. Resale pte property buyer must be aware of this. Under MCST, MC is responsible for "common property" only. Yoongf is correct.

Hi Mark, thank for the correction.

I believe her answer would be: As sure as the sun will rise from the east tomorrow, judging from her explanation of TV set generates qi(when "live", electricity switch on). I maintain neutral on this.

1. Pte property selling, mkt norm is 1%(of selling price)+gst to agent. Pls take note: buyer needs not to pay comm to agent for pte property. You can sign exclusive contract with agent, comm will be 2%+gst. Exclusive contract meaning "the one and the only one" you appoint him/her (one party) to sell, contract usually valids for 3 months and "auto-renew". Read all cluses before signing up. Wise to add another 10% of your intended selling price, and put this figure in the contract. 2. Hdb resale - 1%(of valuation + cov). Wise to do own searching and do "walk in" without agent first, then engage seller agent's recommended agent as your agent.

1. For brand new pte properties(EC applicable) that are under construction and bought directly from developer, it will be 5% booking fee (cash), 15% downpayment(5% cash+ 10% cpf/cash) (within 8 wk), then 10% upon completion of ground breaking. Remaining 70% can be by bank loan. 2. For brand new properties (Ec applicable) that have been completed and bought directly from developer, it will be 5% booking fee, 25% (5% cash + 20% cash/cpf) within 8 weeks. 70% bankloan. 3. For private resale(EC applicable)properties, it will be 1% option fee + 9% exercise fee(within 21 or 28 days after option fee, sorry can't recall properly). This is to be settled in cash. The remaining 20% can be cash/cpf. 70% bankloan. These 20% +70% has to be done a a wk or 2 before completion day, so seller can receive cheque from lawyer on completion. Hope pt 3 answer yr query. Stamp fee can be cpf (new or resale) however, must pay in cash first then reimburse back from cpf board. The worrying part for arranging bankloan is the time limited (21 days or 28 days) + banks' valuation on the property.

Seller can sell like hot cake without agent, buyer without agent can get units which "nobody want". Why? Think!

My $3K+ Cannon analogue SLR with zoom lens, cash converters said only $50. I asked them to fly kite. Finally I donated to charity.

- better know what's product life cycle, seasonal trends. - Breakeven analysis, taxation structure, related legistation, PR, contacts, retails? walk in? wholesale? - Public promotion know-how - CPF rules, MOM rules, NEA rules,etc etc 100K? Not enough lah. Can only setup a stall to sell chicken rice.....

Once understand the 10/90 rule, you will know what to do. http://www.renotalk.com/forum/index.php?sh...st&p=620059

Bought the 1st 2nd hand car at $21k in 1997 when 2nd child was born. Loan 10K, 36 instalments. 2 yr later, changed to another "better" 2nd car. Loan 10K, 36 instalment. 3rd, 4th & 5th-existing car are "brand new", loan 10K, 36 instalments. These have been my "yardsticks". Let me provide forumers some figures (1.5L, japanese car) 1. Monthly instalment -342 2. Monthly fuel - 320 3. Insurance - 789, /12 = 66 4. Rd Tax - 682,/12 = 57 5. Parking (hdb, erp, coupon)- 150 6. Maintenance (eng oil, brake, battery, tire..)- 70 Totol(monthly) =1,005 = $33.5/per day Mine + wife combin income slightly >10K, say take as 10K. 1. Housing - $370/10000 = 3.7% 2. Car = 1005/10000 = 10.1% 3. Saving ~ 2-3K (cash), excl personal insurance.... 4. All expenses So, 10% to 15% of income on car is "quite normal", unless is "performance car" which the insurance is abt 3K/yr, = 250/monthly. - Mah BT's 35%-40% on housing, to me is too much at present.

1. Check history, enter at low. 2. Interest is much more batter than saving/FD here. 3. Make sure you have holding power, able to hold. 4. Nothing in this world is "sure". 5. No good to buy Aust $ now, on high side liao. 6. But can consider NZD. http://finance.yahoo.com/q/bc?s=AUDSGD=X&a...&q=l&c= http://finance.yahoo.com/q/bc?s=NZDSGD=X&a...&q=l&c=

Water content in food, expose to "microwave" wave (not nanowave), through transportation mean of radiation. , cause vibration of water particles to speed up thus generate heat. Radiation is the mean of transportation of "energy" from one place to another. It can travel through vacuum, concrete.....unlike conduction & convection. We exposed to all sorts of "rays & waves" which travel though means of radiation (invisible to us) Earth satelites, signal repeater/booster on top of building, comic ray from sun.......all these "contribute" effect to living things cell structural change to different degree, under different intentsity of exposure. To be aware of dangers is no wrong , right? Thus allow one to do some planning ahead. It is sure better than "gong gong" and don't know die of what. "Gong Gong" ppl usually have little knowledge, don't know what is true or false, just react based on "hearsays".

Japan, Nz, China, definitely will rebuild. Japan good at "getting" others' resource & become their. S.Korea's trees are "protected", no single Korean is allowed to chop one, why? Japanese cut & tpt all the tree trunks during war. Whole S. korea became "botak". - With BTOs, EC, DBSS, pte units being built at present pace here, sure building material price will go up, without question but at what %?. With "hot money" caused by QEs, "price" lagi up . Food, argrculture, raw materials, energy are globally ss. China & India "suck" copper/lead/steel like drinking water. Salt indeed suppresses(NaCl2)(absorbs) natural radioactive rays generated by natural radioactive materials. To suppress radioactive to a "safe" level, human body needs "very much over dose" salt leve which live body can't take. Only PHD level can understand this. This is part of the reason, some fsms ask clients to keep rock salts at home.

You need evidences to prove the fault lies with HDB. - Those older flat like mine (32 yr) has nothing "protruding" out on top of windows. After downpour, observed that pool of water collected at horizontal edges of epoxy window frames. Sometimes the poll of water over flow and "come in". - What I did was to hammer the horizontal frame bend slight outward, so there is no chance of "collection" of rain water. Observe and find out what's wrong first before alarming TC.