Warrior88

Current Private Property Index is at the 1996/1997 level. Very high. My HDB bought before March 2010. So, I can sell and buy pte again. Not advisable to buy Pte now. Some of the current pte seller are just recovering from the previous losses now. At that time. govt implement anti speculation measures,tighten credits.. 97 asian finiancial crisis. Thats when they allow HDB owner to buy pte. But that still did not stir up the buying sentiments, cos of the external factors. Just my 2 cents, unless you are buying to stay. Otherwise, wait for the next lehman sister, Sars 2. China Crisis. Em... wonder why I advise you not to buy, when I am trying to sell mine ....Haiz

Resale Application Received Date MOP applicable Before 5 March 2010 (includes owners owning their resale flat as at this date) 2½ years from effective date of resale if the owner takes a loan from HDB 1 year from the effective date of resale if: i. the owner has not taken a loan from HDB; or ii. he has taken a loan from the bank/financial institution to finance the purchase 5 March 2010 - 29 August 2010 3 years from effective date of resale, regardless of the type of loan taken by the owners or loan status On or after 30 August 2010 5 years from effective date of resale, regardless of the type of loan taken by the owners or loan status

Before we question the rational of each policy. We had to look at the reasons for such implementation at that time. Demand/supply, lifestyle, etc. If such needs no longer exists then we had to revised them. If you were to scutinized the property rules. There are so MANY rules that had been in place. If there is a need to add some rules, perhaps we need to remove some too. I am not in favour of the numerous rules, cos our lifestyle change over the years. So, how can we be penalized for this changes when we are trying to change our environment to suit our lifestyle.

Could be air lock in the pipe cause by some sediments acumulated and trap. Due to this blockage, water cannot flow smoothly thus some air is trap. Need to resolve this ASAP, otherwise in the long run, your pipe at the joint will leak due to constant vibration. Worse of all if it is conceal

Anyone any comments on the Lenovo G460. Seems like a good deal at $899. Besides the touchpad problem, still a good buy ? http://www.hardwarezone.com.sg/promos/view/node:102917

Rosyth Primary 282 Tao Nan 279 Coral Primary 278 Red Swastika 278 Pei Chun 278 RGPS 276 St Hildas 276 Keming 276 Nanyang Primary 276 NanHua 275 Nan Chiau 275 Si Ling 275 Maha Bodhi 275 Kong Hwa 274 Henry Park 274 Canberra Primary 274 St Joseph's Institution 274 Compassvale Primary 274 SouthView 273 Northland 273 Queenstown 273 Jie min 273 Bukit Timah 272 ACSJ 272 St Margaret Primary 271 Shu Qun 271 Catholic High 271 Fu Chun 271 Temasek 271 Mee Toh 271 CHIJ Kellock 271 Chong Fu 270 Ai Tong 269 Naval Base Primary 269 River Valley 269 Poi Ching 268 Elias Park 267 Maris Stella 267 Kuo Chuan 267 Hougang 267 Admiralty Primary School 266 Mayflower 266 Holy Innocent 266 Zheng Hua Primary 264 Woodlands Ring 263 Edgefield 260 Pioneer 260 Standard drop liao

Try Sim Lim Tower - Component building

Actually, your agent should co ordinate this matter and call HDB officer of the final outcome. HDB may request an official letter of intent with both seller & buyer agreement before proceeding. Best is to call the HDB officer, who may refer this to the HDB lawyer. My case is around $90/day for $350k flat.

Get you agent to talk to seller to delay the completion date. If seller still wanna keep completion date, then seller must pay late completion interest. How to do ? If on HDB loan, ask the HDB officer, If on bank loan, ask your lawyer. You lawyer will work out with the seller lawyer on the interest amount. If seller agree, interest will be deducted from the seller sales proceeds, which means buyer pay less for the house. I remember my lawyer told me, its like around $90/day for the value of my house. This is the legal way.

If on bank loan, check with your lawyer. HDB Letter from Loh Swee Heng Deputy Director (Resale) Housing and Development Board I REFER to the letter from Ms Cheryl Tan, “Tweak HDB resale flat rules to prevent abuse” (Dec 11). Ms Tan suggested that HDB follow private practice, and deduct late completion interest from the sales proceeds if there is a delay on the part of the seller in the sales completion, before it is disbursed to the seller. For private property transactions, any deduction will depend on the terms and conditions of the contract, and with the seller not disputing the contractual right of the buyer. We wish to clarify that, similarly, for HDB transactions, if there is no dispute from the seller, the interest can also be deducted from the sales proceeds. Hence, the practices are the same for both HDB and private property transactions

SARS ..... ppl keep holding. Then chiong in 2007. But Lehman Brothers caught up with them. It would be interesting if we can also see those caught in 1997. Did they recover with current level ?

Glad that you had solve your problem. But I still don't see why would anyone buried PVC discharge pipe at the corner of the bathroom wall and not at the drainage hole. Anyway, at least now you have a new heater

Any Chinese author or series to recommend for my boys to read. I go bookshop, see stars.

LOL... both guys I mention cos they are great pals. Even though different field. Even though Microsoft don't pay dividends, yet he is always on charity cause. These 2 guys are really successful cos I measure them with what they can give back base on their achievement

Relax bro, your liu par par, no sweat To see the difference, test 2 cases, variable of loan amount, and interest for both must be constant. Only varies the tenure (loan term) Eg. A loan 200k for 5 years, 1% $3,419 2% $3,505 2.52% 3% $3,593 5.09% 4% $3,683 7.72% 5% $3,774 10.38% Eg. B loan 200k for 20 years, 1% $920 2% $1,012 10.00% 3% $1,109 20.54% 4% $1,212 31.74% 5% $1,319 43.37%

Tampines... I think blk 827... 82 something... The one i bought is without packaging type. Cos if you go to some DIY shop, they have those that is pack nicely. Slightly expensive Mine, they just walk behind put the hinge in the plastic bag.

Shop for only for showroom. Stock at the warehouse need to be semi assemble before delivery. Assembly is done by China guys in the warehouse. Cos lights comes in different configuration. If you them to install, they also subcon to contractors, not done by the shop. Leechaorui, I read your post of landed property, find that you are very knowledgeable. Surely, you have a way at this, right ?

Bought mine at the HDB hardware shop, $1.20 per piece.

Most banks in Singapore tied up with the Fed rates which is currently at 0.25%. Already rock bottom. Also cannot go up, otherwise why quantitative easing 2, if not manage properly, will flood Asia including Singapore with equidity. Property bubble... stock rally.. etc.

I buy both forumers views. I think both of you can be real pals, like Warren Buffet and Bill Gates. Different strategy but can still be successful

Just to add on, If interest rate up by 2%, monthly installment up by few times this rate. The longer the tenure, the monthly installment up % is even higher.

Try to add some touch of light green, so you got starhub and M1. Also for orange and green, Chinese New year coming, no need to buy oranges

Orange Add white and a bit of blue, you will get M1 colour.

HDB loan, 1st appointment. Bank loan, 2 ~ 3 weeks before 2nd appointment. (pay through lawyer)

Eurpoean brands. .... but check the drum, now Europeans also cutting cost, and that they use galvanised steel drum, stainless steel better.