therat

Sit down and read your LO line by line, words by words. If do full payment, not just the 1.5% penalty fee. If the lock in period is over, don't think has this 1.5% penalty. But you need to find out the craw-back fee. craw-back period is different from lock in period. Most of the bank I come across is 3 yrs for the craw-back period. Those free thing you took from the bank when you took up this loan. Bank will ask you to 'vomit' out. You need to find out.. how much you need to 'vomit out'. Some bank want 100%, some one pro-rated.

No standard size.

Your Caplock not function OR we own you a quotation.

Partial payment mean.. u only pay some.. not all the loan. Bank HDB loan.. I don't know.. neven take before. For private property bank loan, partial payment don't need lawyer. Just wrote bank a letter, give enough notice period. Will do. Then login online CPF to adjust the CPF payment amount. My deed is kept by HDB. My spouse say HDB keep better.. in case we lost it or misplace or touch wood.. house tio fire.. all gone.

When you did your sink reno? If within 1 yrs, possible is the contractor didn't do a property job. For undermount sink, they need to add sth or do a process to prevent leaking. Call your contractor, ask them to correct it.

1. it is 4 ticks. 2. I set my freeze and fridge to min temperature. scale 1. 3. my bamboo stick hit the Stainless steel fridge so many time. The surface still very good.

I'm using the Hitachi R-Z481EMSX and I'm impress with the performance. I go for Hitachi There are topic about this model this http://www.renotalk.com/forum/index.php?showtopic=27802

why are you copy and paste your posting again and again. Why you put DBS personal loan in the link? http://www.dbs.com/posb/loans/default.aspx Are you DBS officer?

http://www.renotalk.com/forum/index.php?showtopic=31608 http://www.renotalk.com/forum/index.php?showtopic=18150&st=0&p=612654&hl="lawyer%20fee"&fromsearch=1entry612654 http://www.renotalk.com/forum/index.php?showtopic=31954&st=0&p=554203&hl="lawyer%20fee"&fromsearch=1entry554203 U mention you had your own lawyer. Ask your lawyer.. how much he/she charge. Then ask your bank officer for their lawyer panel list.. then u ask for few quota... I never take Bank loan for HDB. Hence don't know what is the normally charge. I read from http://forums.hardwarezone.com.sg/homeseekers-homemakers-74/legal-fee-doubts-2600433-2.html Some one say Don't know true or not. If you want to confirm, you can check with Law Society. IMO, if you like the service of your lawyer had provide you previously. Use back them. Not all lawyer service is up to standard. I come across a lawyer (referral by the Bank officer) **** screw up. No follow up. No news , No picture. No sound. Email + SMS. Still no picture, no sound, no news. So screw up until we got so piss off that we file a complain to Law Society. Letter ding ding dong dong for nearly 1 yrs plus then settle. Told the bank officer about the lawyer case. He just say.. Oh!!!! he don't know.. + smile.. I told my spouse. Stick to our own lawyer even her quote may not be the cheapest. At least we know.. she will handle it well. Every letter she sent out. She CC you a copy.

HDB lawyer is far far more cheaper than Bank lawyer but if you are taking bank loan. You cannot use HDB lawyer. HDB lawyer is for those taking HDB loan. If you are taking bank loan, forget about HDB lawyer. You can't engage them. If you are using your own lawyer, ask him/her, can he/she represent the Bank, CPF and HDB.

U can use your own lawyer. If your lawyer is under the Bank panel. You can have the legal subsidy. If your lawyer is not under the Bank panel, you will not have the legal subsidy. That is the only different.

Bought my 1st Vono Mattress in 1999. Still good. My MIL still using. Bought my 2nd Vono Mattress in 2006. I'm still using. Both was around $200-$400.. can't remember the exact price.. too long ago.

Ur agent should have. If you want to do DIY, the ask ur lawyer to do one with a fee.

U can get it from HDB web site. Do homework

U're asking something what will happen 5-8 yr time later. ask you a question back in 5-8 yrs ago (2004-2007), if anyone told you, a HDB 4rm valuation $400k and need 25k COV. What will be your reaction? I believe everyone will say.. go to sleep... 4rm $400k .. some more 25K COV. Siao U want a confirm + crop crop 100% win-win situation , who can advice you on this. If I told you, I sold my 5rm @ Bedok North #11 floor 10k below valuation. And it is 37.5k lesser than what I had purchase during 1999. 1999, valuation is 310 K. And I pay 2.5K COV 2006 , sold @ 275k. Valuation is 285k. If include agent fee, stamp duty, Loan interest. Paper lost 50k.

Steps: 1. open a google window. 2. type your topic : How To Buy State Land 3. click search 4. One of the search will point to http://www.sla.gov.sg/htm/cnt/cnt01.htm got it?

Agree with salavanun, Don't worry about the HDB age. I bought a unit @ bedok, near to your girl temp school. I pay much more higher COV then you. Now.. very happy with the location and house. Within 10 min walk, I can access market, hawker centre, bus stop, library, coffee shops, etc.. And the some important thing, 5 min cycle to my kid school. The pro and con between old and new HDB, paladin126 summaries has nail to the point.

Are you referring to St Anthony's Canossian? If yes, just FYI. Their present building locate at Bedok North Ave 2 is a temporary building. Bedok area has 40-45 yrs old HDB? I thought the oldest is build est 1980

The deal will thrown out of the window. If the buyer has agent. Either the agent will get into hot soup or the buyer will be in trouble. http://www.hdb.gov.sg/fi10/fi10321p.nsf/w/BuyResaleFlatChecklists?OpenDocument Resale Checklist for Buyers The salesperson engaged by the buyers will have to do the following:- Go through the Resale Checklist with the buyers and sign the checklist.Witness the signing of OTP/Resale Application Form.Execute the "Estate Agent's" Statutory Declaration and declare the relevant information relating to the resale transaction (such as the salesperson particulars, the resale price, resale flat address etc). All the above should be carried out by the same salesperson. Note that it is a serious offence to give a false declaration, including to over-declare or under-declare the resale transacted price. Under the Oaths and Declaration Act, the penalty can involve a fine and/or up to 3 years' imprisonment for a false declaration. If a housing agent is found to have made a false declaration, HDB will report the matter to the appropriate parties such as the Police and the Council for Estate Agencies.

estimation + agar agar. Like my case. We neg base on agar agar valuation. Basically we ignore the valuation part. Just neg on the COV. Only gave my deposit when the valuation report out which I insist. agent cannot re-issue OTP and amount CANNOT amended. That is contract. U need to understand how it work Seller issue OTP to buyer upon receive deposit from the buyer which presently is 1K max When buyer receive the OTP from seller, buyer need to exercise it within 2 weeks. If didn't exercise, consider deal off. At this stage, Seller cannot back off. Buyer Can. Seller can keep that 1k deposit. Buyer has NO RIGHT to ask seller to refund that 1k deposit. When buyer exercise the OTP, buyer need to pay another 4K max to the seller, which is presently practice. At this stage, both seller and buyer cannot back off. Hence it is very important for buyer to get a HLE or bank loan (there is a term for it. I forget.. sth principal in -approve or approve in principal. Can't remember which is which) Upon exercise the OTP, then the agent can submit the form for 1st appointment.

Once seller give OTP to the buyer. The price is fix. Can do 2 ways 1 is indicate the actual valuation value + actual COV in figure. That is when buyer taking the valuation report In the event when the valuation is not ready. Either indicate Valuation price + COV (exact figure) OR 1 whole figure which include the COV price. If you had agent, the agent should able to advice you on that. If the agent can't. Change the agent. I manage to find your thread, move it back liao..

TS already mention, they DIY mean.. they don't have agent. They sell the HDB unit themselves

Yes. They did pass the key to us @ 10pm night time. Put the key inside the letter box and demand to keep the letter box key. Claim want to collect their letter. We say.. go ahead and keep. 1 mth later, after reno. we will change the letter box lock. They claim want to collect their letters.. haha.. joke.. 1 mth letter stack like mountain and never come to collect a single time. By end of 1 mth, we change the letter box lock and wrote.. no such person and put every pcs of letter back to the return box until the box is full. We force the letter to go in,. 1 yrs + , still receive the letter.. now.. I open and read.. don't bother.. since they don't bother to change their address.. mean it is not importance. Correct Now.. I know.. they miss installment with MayBank. They prawn their gold @ SingPost. Didn't change their business address with IRAS b'coz cheng hu ppl can and knock my door. Insurance payment thru' GIRO didn't get thru b'coz bank not enough fund. etc etc nothing is free. Their COV is not that 'friendly'. Why we need to be 'friendly' to them. Don't forget. After 2nd appointment, u are the one paying property tax. Not them. U also start to pay home installment. You pay the property tax and mthly installment for them to extent stay. U so good ah! I'm not.. I'm very di BAD one..

Have they give u OTP? If no, then mean nothing to confirm. Rather than lead by them, I will continue my house shopping program. Oh!!! the seller has not find a place to move. If there is the case.. extend 2 mth might not enough for them. Be prepare to extend until 3mth. My seller also like this. sell first then buy. During OTP, say.. extend 1 mth Before 1st appointment, become 2 mth @ 1st appointment, become 3 mth. Agent say.. their seller (the house they want to buy) delay their 1st appointment. Hence the key pass to them late. Result, no enough time to reno. They only do simple simple .. 2 wk reno then move it, Which result 3mth extension on my side. I had place to stay.. so.. 3mth extension is not a problem to me. U had?

move to next unit. If the seller keep on shifting his/her goal line. No point play along with him. When we searching for our unit, we offer a COV "A" to the seller w/o knowing the valuation price as the report is not out yet. When the report was out, the price is slightly lower than what we had expected. Seller also didn't expect this kind of valuation, he told his agent he don't want to sell. But his agent manage to convince him. Seller ok to sell but want to increase the COV by another 4K. When his agent told us. We discuss, work out our sum and reply to agent. agree on extra 4K COV but need to sign by tonight 9pm. If not, deal off. His agent say simi.. wow.. by tonight, tomorrow can.. they need to discuss. We just reply him.. by tonight 9pm. U need to know what is your line and firm with it.