Plastic3

Mine is also a seahorse....decent workmanship (not fantastic), but good for the price... Some or maybe all? of their bedframes are built by another company.....it takes awhile for delivery 2-3wks in my case.

I understand how you feel, I'm in a similar situation...although mine have not reached your stage yet. This is a very tricky situation, when you go to court try to prove his absence and non contribution to the family & flat. I have checked with a legal advisor, if able to prove his deliberate abandonment of the family it is possible to be awarded his CPF contribution to the flat (may not even need to buy over). I have also personally handled a case, where the Wife was awarded the CPF contribution of the ex-husband to the flat purchase. (according to the court order $XX,XXX is to be transferred to the Wife after the sale of their flat which was under joint-tenancy, husband got nothing) So it all depends on the details of your case. Best, Mark

Haha....glad to see your reno in progress, look forward to see your new home!

Some buyers may not mind if no COV or even below valuation. Depends on the terms...

your dog looks familiar....very.... this site may interest you: http://www.moderncat.net for cats...but some ideas can apply to dogs as well

I'm quite ok with lizard, don't mind them running around the wall even...as long as they eat the cockroaches & mosquitos their poop is a pain tho..

Actually, different location different price... Really depends on where....

you'd be surprised, she's not the only one...

Actually, it is worded differently.... http://www.limyumu.com/1/post/2012/10/october-18th-2012.html

Yup, if you build the rooms may have trouble...even if no one complain, if next time you intend to sell will also have problem.

Hi Tim, just emailed you. Look forward to your reply, thanks! -Mark

Landmark case...HDB really clamping down. Interested in the final verdict.

I do not see anything wrong with my reply. You are talking about changing from Joint-Tenancy to Tenancy-In-Common. Like yoongf, I was only explaining to titi the meaning of Joint-Tenancy.

HDB Loan: - can loan up to 90% of valuation - pegged at CPF OA rate + 0.1, currently 2.6% (less likely to fluctuate) - HDB not as strict as banks when it comes to delaying loan repayments, I personally handled a case where the seller owed HDB for quite a long period of time but still allowed to stay (although eventually they did tell owner to sell or they will acquire back) - lower legal fees - CPF monies will be cleared for purchase Bank Loan: - can loan up to 80% - fixed or floating rates (fixed usually for first 3-years only) - current rates are lower than HDB loan, around 1.3%+/-, but note that it has gone up as high as 7-8% before - Bank loan cannot owe too long, like Kalimantan said....its business orientated - higher legal fees (though usually subsidized by bank) - can decide how much to use from CPF account

Woodlands, Jurong West....

You can apply for HLE (HDB Loan Eligiblity) to determine how much you can loan.

you may get more response if you post on www.soft.com.sg sales forum good luck!

I am a property agent, will be happy to serve you if you give me a chance. You can find out more about me on my website: www.limyumu.com (my number can be found there, call me anytime..no obligations) -Mark

Which development? I may have it.

Yup, it's called a leaseback. Your Agent & Lawyer will know what to do. If afraid the seller damage anything in the house can ask for a deposit as per standard Tenancy Agreement, the tricky part here is to do a proper check beforehand as the buyer buys the property "as is" condition, anything broken that the buyer did not ask about, it is technically accepted that seller not obligated to rectify.

Some of them did not "plan" properly, quite a number of millionaires tell me they should have bought a HDB when they had the chance OR they should not have sold their HDB to begin with. Even though they are already rich, they're still not happy that there are rules against private property owners buying HDB (for investment) *shake head*

Shoebox = "mickey mouse" unit SOHO = small office/home office (live & work same place) they are different. Quite a number of HDB dwellers are buying for investment purposes because of the low quantum/affordability, but the rentability of such unit is unknown when over 2700 units TOP after 2014/2015. Due to the mushrooming of shoebox apartments island-wide, URA has stipulated that all private apartments and flats to be built in areas with Gross Plot Ratio of 1.4 must have the minimum plot size of 1,000sqm and the size of all dwelling units must be at least 70sqm. For Telok Kurau estate, due to the narrow local access roads (lorongs) that are prone to traffic jams, the dwelling units for flat and condominium developments must have a minimum of 100sqm in addition to the minimum plot size requirement.

It is inevitable that the transactions are going up as the developers are launching more small units. New apartments with sizes under 50sqm or 538sqft increased from 3.6% in 2007 to 19.4% in 2011. In 2007, more than 69% of private apartments launched were bigger than 101sqm or 1086sqft. In 2011, more than 65.7% of private apartments launched were smaller than 101sqm or 1086sqft. In 2007 only 424 of such shoebox units were launched. By the year 2015, over 2700 more of such units will receive TOP. more figures on my blog if anyone's interested: Shrinking apartment sizes Shoebox units already TOP & how they are faring

Tenant pays for stamping Agent gets TA stamped Landlord get a copy as proof

For HDB loan: Need to pay COV within 10-days from 1st appt, the rest on completion. For Bank loan: 1st appt don't have to pay. Pay roughly 2-weeks before 2nd appt (depends on bank) (Note that for Bank loan need to pay 5% in cash)