snowpear

Hi coldflamez, can I know which brand of laminate flooring did u use? And do u remember the color code? thanks! by the way, was it your house being featured on Sunday Times today?

oic thanks for the reply! In that case can I just replace the few pieces of laminate around the hacked portion and the new wall area? Reason being the existing laminate flooring are in good condition and it would be a waste to replace everything

3.5% yes, but the extra 1% goes into SA

Hi, Just to check if I wish to hack off an existing wall and rebuild another 1(to enlarge the room), do I need to remove the laminate flooring? Can the new wall be built on top of the laminate flooring? Anyone can advise? Thanks!

agreed!

Are you referring to keeping a lumpsum in your OA and pay your monthly instalments purely using your monthly CPF contributions? Ya you are right it can actually be more beneficial in this manner if you have a sufficient figure in your OA that earns interest that can offset the loan interest. This is because mortgage loan is based on reducing interest whereas OA is compounding interest

Kobelala, are you taking any loan for this house? If yes it is important to get your LO or HLE before you proceed with this application even if you are very sure you can get the loan quantum that you need. As for your questions pls see my replies in blue: If you trust your agent(provided they can be trusted ) so much, then there shouldn't be much of a problem as it seems like he/she is just trying to be more flexible

Do you have a copy of the OTP with Sellers' signature? You must have the Sellers' signature on the OTP before you pay the option fee of $1k. Your agent got the procedures wrong. It should be this way: 1) Once price is agreed, Sellers will sign on the OTP. Cooling period for Sellers depends on the date the Sellers signed the resale checklist. 2) You (Buyer) will pay the option fee (max $1k) and will have 14 days to exercise the option. During this 14 days, you can consider the purchase and get your loan approved(if you are taking loan). You DO NOT SIGN the OTP unless you want to exercise it. 3) Once your loan is approved, you can go ahead and exercise the OTP by signing on the Acceptance page. You should then pay the option exercise fee(up to S$4k). Take note that if you are taking loan, your LO or HLE date CANNOT be later than your OTP exercise date, i.e you are NOT ALLOWED to exercise the OTP before you get your loan approval. 4) Submit the resale application to HDB. The 1st appointment date should be about 2-3weeks' time, subject to availability though. In your case, by paying $5k and signing on the OTP, you have technically exercised the option. But if the seller did not sign on the OTP. it is not valid at all. And also, make sure you have your bank's LO or HLE if you are taking loan. Otherwise, HDB would reject your application. If your cheque has not been banked in, I would suggest you cancel it and clarify with your agent first to make sure things are not to your disadvantage. Hope my info helps and best wishes to your purchase!

oh, me too will drag over 7th month coz cannot complete and move-in on time... !! but can take the time to relax and do up bit by bit keke... no lah, he all along likes pink. our current bedroom oso pinkish-purple

ya, your ID is quite true. the place will look smaller with island. and got to find a way to hide the pipes etc. initially wanted to put the hood and hob in the island but discard the idea coz of bad fengshui and gas piping constraint this morning went up to take some pix. no work done 2day wondering when they coming to complete the remaining works my fav living room color MBR color. I had a bedsheet exactly the same color. if I use tat bedsheet maybe I can't see where is the bed keke... HB's fav color for common room. He quite "girly" hor? actually newer hdb flats follow condo style, all have small small kitchen so doing an island may not be appropriate oso. most importantly, kitchen must be functional, else looks nice oso no use so applefreak how's your reno going on?

actually island is nice but somehow makes the whole kitchen looks smaller but dun care, me is "wan pretty dun wan life" keke... BTW, we did some "illegal" reno for the island. dun tell hdb k ee, jamez, yours is 4Rm at AMK. your kitchen should be same as mine rite? how come got space constraint??? tmr morning go snap some pix of the painted walls. hope dun turn out to be too shocking heard from FIL tat no reno work for the next few days coz his workers not free muz wait again...

2day kitchen cabinets rectified and solid surface up liao keke aircon piping completed oso. had painted a layer of white paint. tink should be the base coat only Kitchen cabinet. still bery messy... My fav island keke... slight defect on the solid surface... will post more pics once more work is being done

went up early this morning to see the progress & took some pics: Bellari Hood & Hob: Kitchen cabinet without top Defect on the cabinet, most drawers are not flushed Wiring, looks like snakes hanging in the air... 2nite should be able to complete the electrical points. will bring a table lamp to spot check

I am back! really busy for the past 2 weeks! after some delay here and there, finally most of the "major" works are done! yippy! managed to take some pics for the past 2 days. just went up to see but no lights so can't take any pics kitchen cabinets are ready. no solid surface yet tmr should be doing aircon and completing the electrical points and wiring some "before-after" pics: Before plaster: After plaster: Before installing kitchen cabinets: After, or rather installing halfway: Tmr morning go up and take some more pics before going to work keke... --------------------------- fortunately, almost all the items like taps, mixer, WC, shower head, basin, lights all purchased liao. just waiting for their "turn" to be delivered keke... but still haben decide on the shoe cabinet and vanity top design HB said my design for the shoe cabinet CMI any one got any ideas? we intend to do a shoe cabinet near the windows. just worried that it might be too "heavy" coz our hall is quite small...

wah your reno bery fast ley!!! mine oredi in the 3rd week but haben even paint the walls! only tiles are done up so many boxes, should have a hard time unpacking hor??? keke...