wudimax

repayment how troublesome in what sense? from my research, 3% is the lowest i can get in town.

it varies, normally downpayment(10%), midddle 2 times, and last is around 5%

any one has comments or review on www.i-chapter.com.sg

any feedback on id RON?

wow, which mag and where did you bought huh?

any review on Ken Lee?

i got to know this mover through ebay. veri reliable and honest. in fact help me to save money., i need to move a massage chair from a to b. as i am a rush person, i told mover to transport asap. as massage chair quite big, so i request around 3 pax which cost : $120 mover advise me wait till weekend, then he will have 4 ppl. as they have so called arrange 4 pax everyweek end, he is able to quote me only $80. help me wrap up nicely on delivery day. veri polite and not beng or unreasonable at all. i have his mobile no with me as i will be engaggig his services.. for those who wants the contact can pm me, or can search through ebay. his name is david

We refer to your application to buy a 5-Room/Exec flat in Sembawang in the August 2010 Sale of Balance Flats Exercise. We have conducted the computer ballot and your queue position to select a flat of 00078 far exceeds the number of flats on offer. We will monitor the take up of the flats and may invite you to select a flat depending on the availability of flats and ethnic quota. As this is a system generated mail, please do not reply to this mail. You can view the Frequently Asked Questions on Sale of Balance Flats (SBF) Exercise (After Release of Ballot Results) for more information. If you have further queries, please email us at hdbsales@hdb.gov.sg. Yours faithfully LEE YAT THONG HEAD (SALES OPERATIONS) sigh,,, failed again.

it is a local mag, try ask around in popular. saw some edition not few weeks ago

no means of disrespectful, after email henry, never reply to me for 2 weeks, sms him again, reply said wait for while and he searched for my email, finally found it , and said will get back to me. give me a feeling of not being profesional feeling. and please do a search for the works under him to get a better view. i had decided to drop him, and go for better response.

guys, have you consider sueing him? my relative recently engaged a contractor. to put in simple words, the process is delay. Then my relative look for a lawyer and send a letter. The total renovation took around 40+k, end up contractor wants to settle outside. so eventually paid 20k. 5k wents to lawyer. though he managed to save some money. time and effort is wasted due to irresponsible contractor. This note here teaches how you can save guard yrself in similar suituation.

just received the email from rhb bank. Please refer to the details of our Renovation Loan Packages below for your understanding: 1. Flexible Rate Package (Interest based on reducing principal, interest rate may vary throughout loan tenor) - Standard Package Year 1: 6.25% p.a. (RBR* - 2%p.a.) Thereafter: 6.25% p.a. (RBR* - 2%p.a.) 2. Flat Rate Renovation Loan Package (Interest based on original loan amount, interest rate is fixed throughout loan tenor) - Loan Amount < $15,000 ♦ 3.88% p.a. - Loan Amount $15,000 and above ♦ 3.22% p.a. 3. Furnishing Loan Interest Rate: ♦ 6.50% p.a. (PLR^ + 0.8%) for 1st yr ♦ 7.00% p.a. (PLR^ + 1.3%) for 2nd to 5th yr NOTE: A. Prime Lending Rate (PLR) @ 5.7%, a minimum Income criterion to qualify is $30,000 p.a. B. Furnishing Loan is based on reimbursement basis; To apply, please attach Original Receipt / Invoice of fittings purchased prior to disbursement of furnishing loan. *Renovation Board Rate (RBR) is currently 8.25%p.a. ^Rates are subject to change. Eligibility ♦ Singaporean and PR only ♦ Individuals aged 21 to 55, with minimum annual income of S$24,000 (main applicant) ♦ Joint applicants to be related as spouse, sibling, parent or child ♦ Joint applicant(s) is (are) not subjected to minimum income requirement but must be gainfully employed Loan quantum ♦ Minimum amount is $10,000 ♦ Up to 6 times monthly income or S$30,000 whichever is lower (Renovation Loan) ♦ Up to additional 2 or 4 times monthly income (Furnishing Loan) Tenure ♦ 1 to 5 years Fees & Charges ♦ Processing Fees: 1% of approved Loan quantum payable in cash upon signing of LO (applicable to furnishing loan as well) ♦ Cancellation Fees: 1% cancellation fee on loan amount cancelled if loan is cancelled after acceptance of LOF, capped at $200. ♦ Prepayment fee: 2% of the prepaid amount in the event of partial / full redemption during the loan tenure. The minimum prepayment sum is S$5,000 and thereafter in multiples of S$1,000 (For Flat Rate Renovation Loan package – partial prepayment is not allowed) * For servicing of monthly installments, the bank also requires you to open a savings account with a minimum deposit of $500. FREE Insurance Coverage ♦ This Personal Accident (PA) insurance coverage is worth up to S$30,000, on the renovation loan balance outstanding, across the entire loan tenure. ♦ This insurance policy is insured on the main applicant only. ♦ In the unexpected event of death and total permanent disability (TPD) of the main borrower, the compensation sum will go into the settlement of the outstanding renovation loan balance. FREE Gifts ♦ Multi-cooker, Electric Skillet or Breakfast Set Under Flexible/Variable rate package Loan Amount 30k over 5 yrs 6.25% monthly ($583.48) Under Flat/Fixed rate package (at 3.22%p.a.) Total Interest of the loan = $30,000 x 3.22%p.a. x 5 years = $4830 Monthly Installment = ($30,000 + $4830) / 60 months = $580.50 i dont seem to be able to understand why under variable with higher interest will be cheaper than fixed rate. anyone able to enlighten me? For ppl who going for the promotion at 3%, the promotion still on going. To entitle to the promotion rate, customers will have to purchase the Ideal Home magazine, cut out and mail in the coupon.

it is in the another reonovation thread, need to cut the coupon and present to the bank. not sure the promotion still on or not.

i thought the lowest rate currently is 3%? i will like to check for couple, each earning gross 3k. how much are they limited to? As i saw some website stating that at most can loan up to 6 times of salary or 30k, whichever is lower.

its has been a while this post had posted. anyone had any experience or comments on this contractor?? had been intro by frez and been given some discounts

hi, there, may i have henry contact no?? tks wudimax@yahoo.com.sg

hi clone

hi to all, also looking for reliable contractors with HDB license. pls pm me his particualars or any links to their masterpiece. wudimax@yahoo.com.sg