keltan8

THANKs alot ...

Hey May_dream1, thanks for your reply ... also heard the STAMP FEE and LAWYER fee can use from CPF too ? roughly how much lawyer fee for buying ? xie xie !!!

hi, just to find out more ? Is it true that : 1) If we loan from HDB, we will definitely need to pay 20% downpayment during 1st appoint ment with HDB ? But , 2) If we loan from bank, we will not pay anything during 1st appointment ? Then when we need to pay the 20% downpayment and HOW to pay ? Thanks !

okok , made -ed sense to me ... hehe xiexie, kam-siah, terima kasij ...

i borrow S$80k for 10 yrs only. lock-in is 3 yrs type they say cannot partial due to now amount less than S$50k (wtf) the issue i want to fight here is where got black and white say must engage lawyer when i want full payment ?? the contract never say so ?? and the so call "trust service" fee is so expensive ??? S$500 per year for them to keep ur title deed ?? thanks !

hi jonchar, thanks for the reply ... what do u mean " your loan installment will increase slowly till you pay the full installment upon collection of keys" ?? i thought my loan with HDB is going to pay in full in either 20 to 25 yrs ?? depending on how long i want ? and also not understand what u mean "if you have combined CPF + grants of 20%, ie $120k, you will take back your 5% cash" ? can u elaborate more ? xie xie

Hi , need experts to answer my queries ... intend to purchase DBSS for my 2nd HDB loan, bcos 1st HDB loan was a 5-room flat ... so now 2nd time must either BTO or DBSS but i quite blur on the payment for the DBSS developer ... they have this payment schedule for how percent must pay them when they completed certain phase of their project ? question is : 1)when is my loan with HDB start ? 2)so when pay developer, who to pay them ? developer take from HDB or me ? i am blur on the HDB loan portion, if i book a DBSS now, when is the loan started ?? i am worried because CPF definitely not enough ... thanks !

sorry, i write wrongly, bank say cannot do partial repayment ... now they say i must find a lawyer to write them a letter for doing full payment and at the same time take out the DEED , if not they will charge S$500 per year for them to keep ... ??? !@#$%^&

hi therat, i got a bank loan 5 yrs ago for S$80k only from UOB ... yesterday then found out that they say i can do partial payment. And is it true that I must engage a LAWYER if i need to do full or partial payment ? (bank say so but i cant find anything in the contract ?) And is it true there is still a Mortgage Deed hold by the bank ? I thought now HDB say no more DEED ? because bank say need engage lawyer so as to take out the DEED, if not keep in the bank every year collect S500 from me ... whta is this all about ?? anyone know about this pls enlighten me ... thank you you in advance ... xie xie

pls help me ... where and which website i can refer ? i am looking for a 3-rm HDB flat unit to rent for minimum 3 months onwards ...

hi, can anyone help me ??? pls ... i am selling soon ...

i would prefer north, yishun, sembawang, woodlands ... etc etc etc budget will be 1,500 i am selling my current flat, so need to shift all my things, so buy new resale no need to buy new things

hi, can anyone recommend any website i can take alook ? xie xie, kam siah ...

thanks Plastics ... u answer half my question ... ( i am confused on the portion hdb rule say if u have outstanding current loan, then ur next purchase downpayment cash is 10% ) ... so my question is if i sell current one (after finish 1st appt) and when i go for buy appt, do i pay 5% or 10% ?? the quote is from my calendar ... wat is bluesman ??? sorry

Hi, got very confused on this 5% or 10% cash issue : 1)let say now i sell my 5-room (still got outstanding loan) and 1 month later i sign OTP for a resale 4 -room question is : a)when i go for my 1st appointment for the resale 4 room, i pay 5% or 10% cash ? (presumed i had already gone for my 1st appt for sell) b)or can enlighten me how and when should i buy , so as to pay only 5% CASH xie xie

Hi, Where can i find a 3-room to rent with whole unit EMPTY ( meaning everything also dont hv) i had been looking at propertyguru only but found 100% is fully or partial furnish ... thanks !

i am staying at #14 ( top floor ) at montreal drive since 2001 oct. 1)can see malaysia, 2)not hot, 3)people cannot drip u, 4)can drip people, can see roof top garden at fourth floor, 5)windy, 6)once a while got cokcroach fly in (i dont know why and how ???) 6)bad thing is people talking and cooking from lower floor get into your kitchen too ( sound and air travel upwards ???)

Hi Aron, my current 3 in 1, when on the split unit, they are not cold . But on 1 unit, it is OK. What is your service package like ?

ok, under can stand liao ... xie xie !!!

i remember 1 contractor told me no different cos the fan is still hang from the normal ceiling height ... got it ? it is not hang from the false celing height ... hope i am correct ? ( menaing the contractor did not bluff me )

to me i think is OK but alot of detail like dimension and number of lightings did not specify clearly ... all these are hidden cost ...

hi, appreciate some experts here to share share abit as after see so many ID and contractors , i am still very "LOST" /// i meet 1 ID basically never suggesting anything to me ... only i do the talking ... and when i show my anger, he said that is his style ... he will only talk during the next meeting ... WTF ...

Dear Lauer, That is why i am asking ? You said they must produced 3D drawing ( meaning after u hv sign contract with them ? right ?) But i am asking what should i expect when i am looking for quotation ? should they produce 3D drawing too or just simple sketches ?? thanks !

thank you therat ... i know la, i am not expecting brand new but just wanna confirm should seller FIX all those defect when they sell their flat ?? how about broken window glass ??