keltan8

sorry, i am new, what is zen concept ??

FYI, my parents now age 70 and 66 still paying their 4 room flat bought on yr 1986 Buy @ $60k , loan 25 yr ...

Thank you ! Thank you !!!

DouglasHoh, thanks for the reply ... then how come i read before people saying do laminate flooring must be careful not to wet them because the GLUE (or laminate) may come off ??? xie xie

bepgof, thank-you you again ...

Hi to all bros and sis reno experts, pls forgive me as i am new to reno ... for Laminate flooring, at first i thought they are GLUE to the tile ?? then while asking around i was told "Supreme" brand only LAY onto the floor without glueing is that TRUE ? can explain to me how it work ? then how "PARGO FAMILY" brand lay ? Thanks !

hi kellyla, can PM me ur contact so that i can arrange with u to view ur reno ... xie xie

hi, i also need to borrow from bank for my next resale ... but dont understand at all the loan packages ??? what does above means ?? 1yr = 3mth Sibor + 0.65% Can someone explain with an example ( thank you very much in advance ) I got 1 from DBS ( 3 yrs fixed rate ) : Yr 1 = 1.18% fixed Yr 2 = 1.68% fixed Yr 3 = 1.98% fixed Yr 4 = 3M Sibor + 1.25% Yr 5 = 3M Sibor + 1.25% Thereafter = 3M Sibor + 1.25% Commitment Period = 3 yrs Clawback Period = 3 yrs ( what is this ???) Can experts pls enlighten me ??? what is SIBOR ?

thank-you bepgof ... haha, still need to thank-you you la the monthly instl can pay using cpf ... right ? then i thought some other post was saying after 55yrs old, we cannot use cpf to pay housing ?? and the owner still hv other cpf $$$ used at investment ... so he say no worries on the "contingency" portion

hi, pls advise on the below situation on how to proceed to buy resale flat : 1)current 5 room still owe $74K to HDB 2)after sell, need to refund $182k (owner) and $34k (wife) back to CPF (based on CPF website) 3)owner OA have $18K, wife have $8k a)so let say going to buy a 4 room resale at $360k, can ? b)how much to loan ? already loan 2 time from HDB owner is 44 yrs old, how long can take the loan ? Thanks in advance ...

ok, at first i quite like the idea because no need to hack but he say they will call me to inspect all the tiles by knocking and listen to "hollow" sound. changed those that got sound and then start to overlay now i think i buy your reason , thanks dinobros

hi steelze, thanks ... i need to clarify somemore queries : 1) your quotation missing Item G and J, and under LIVING ROOM, missing item 4 and 5, can i know what are they ? 2) u lay data point, scv pt in your room, may i know did u drill hole thru wall ? 3) after laying new SCV pt, do we need to call SCV to test ? 4) can PM me how much u do for the MBR shower rack ? xiexie

octave, is there any particular reason ? MingzhuAng, thanks for the advise I need more views ... xie xie

Hi, I was quoted by 1 reno company, surprised by their kitchen and 2 x toilets package : All flooring and wall tiles using OVERLAY ? Can experts here tell me is it advisable to do that ? any disadvantages ? Thank you so much !

hi, i am also interested to do laminate for my rooms flooring but dont know anything about laminate becos 1st i tot is glue onto existing floor ... but that day 1 ID told me can just lay onto it ( Supreme brand ) can share is it true and which type of lamnate is better ? Or you use which brand ? thanks !

Hi Aron, Can i book now and say installed only next year because i havnt collect keys ? Does your installation include new bracket ? And because mine is old HDB unit , the air-con portion that cover with cardboard already leak water, do u provide service to change swee swee for me ? Thanks !

hi steelze, somehow forgot what i lookinf for but bump into your blog from 1 of my google search ... so your blog is 1 and only 1 read so far ... can PM me ur ID ? Thanks cos i looking for quote now