therat

1. take 30 yrs loan, interest pay more. But in-between , you can do partial repayment w/o fee. In the end, total loan might be lesses than 30 yrs 2. take shorter loan, if 1 party got retrench or pay cut. CPF OA not enough. Need to come out cash. Don't forget CPF Contribution % is not fix. Government can change any time. 3. regardless of new or resale flat. VL is inside the picture. 4. As I don't know your age. Pls check CPF web. Now CPF is employee 20%, employer 16%. However the ratio to OA, SA and MA is different for different age group. You can't just look at 20+16=36% only. This 36% is not across all age group. Assume you and your spouse each salary >$1500 20+16% only up til 49 yrs old 50 yrs - 55 yrs old is 18+12 % 55-60 yr old is 12.5 + 9% This is Part I. Now Part II Read Table A1 http://mycpf.cpf.gov.sg/Employers/Gen-Info/cpf-Contri/ContriRa.htm For allocation rate to OA , SA and MA Below 35 yrs old, 23% went to OA 35 - 45 yrs old, 21% out of 36% went to OA 45- 50 yrs old, 19% out of 36% went to OA. From the table, you can see. Even your CPF Contribution still 36% but the $$ that went into your OA account is less

If is REAL brand, it is easy to change. I change myself. Just buy from hardware shop. It don't need $45 so much. The lock is less than $30, cannot remember the actual price

http://news.insing.com/tabloid/pinhole-cameras-found-in-girl-s-toilet/id-0f313f00 Pinhole cameras have been found secretly installed in a female toilet in a secondary school in the west. One such camera, hidden in the corner of a toilet cubicle, was discovered by a student while she was using the toilet last Wednesday (8 Feb). Suspecting that she may have been secretly filmed, the student alerted the school. A staff member of the school immediately searched the girl's toilet and found two more hidden pinhole cameras. The staff member returned to the school's office and left the cameras there, only to return later to find them gone. The school has since alerted the police to investigate the matter. A married male teacher, well-liked by the students, is suspected to have installed the secret pinhole cameras. Source: Lianhe Wanbao, 18 February 2012. Click here for the Chinese report.

u can offer any price that you feel reasonable to you. Accept or not. It is up to the seller. We can't read the seller mind.

how much the seller asking for the COV? Offer 10% below valuation price? Seller will ask u to fly kite AMK pt block , floor: 21 to 25 unblock view some more. Build: 1979 hmm should be Blk 71x or 72x these block. AMK not many pt block. In term of location, Blk 71x , 72x are great.

1st, u post a condo sale on The sail whether it is worth or not. Now u post condo rental on The sail. ????????????????//

Interest start from the day TS, sold his 1st direct HDB. HDB say.. u can either pay the resale levy on the date you sold ur 1st direct HDB OR u can pay later with interest, starting from day 1 you sold ur 1st direct HDB. If TS sold the flat @ 2 March 2006. Now is Feb 2012. He need to pay nearly 6 yrs interest of the full $125K. Tell u. Heaven price. http://www.hdb.gov.s...vy?OpenDocument I found it. Interest 5% Principle $125k Interest : 5% Year : 6 Interest will be P*I*Y = $37 500 That's mean TS need to pay back $125k + $37.5k = $162.5k to HDB

cannot. Only at that time. Pass liao.. mean .. BO Base on my understanding.

bepgof, TS say "already fully paid her upgrading costs last year" since already fully paid. Breach simi????

Don't understand your question. 1. What kind or type of upgrading levy are you talking about. 2. What is "after batch 7"? 3. If she has fully paid her upgrading costs then what is upgrading levy?

If it is black and white in your LO. Can ignore?

Status updated Yesterday 10pm news. Police has caught this 'shopping' thief. Age 46 yrs old Stolen 2 t-shirts, est worth $70+

2000 words Don't ... I dont like to read long story. Point form. point form.

noisy is one thing. Ppl like to peak inside and see your living hall, room, etc when pass by. Then it is a trash collection area from higher level neigbour. once, my 1st floor neighbor receive 1 bag of fried mee hoon with curry chicken. OPEN. OH!!!1 And alot of ants and insects.

good for you. I never has a good experience with them.

1. Do you know what TS is looking for? He is looking for a unit @ Singapore. AND what you provided? California property. What kind of RE agent you are?

some ppl don't read newspaper, don't listen to news. Only read facebook and online forum.

easy. Just call Town council and told them. The neigbour rent out the whole unit, don't know legal or not.

Just beware of this Foreigner Turn HDB Flat into a Budget hotel I don't have experience on Filipino tenants but Indian tenant.. forget it. They don't keep ur house clean.Heavy cooker. Don't have the habit to lock the main gate. Even they went back to India for holiday. They just lock the main door and left the main gate wide open. I rather left the house empty then rent it to them.

What does warning mean?

HDB reply and response. http://sg.news.yahoo.com/hdb-warns-owner-of-flat-offered-as-%E2%80%98budget-hotel%E2%80%99.html HDB warns owner of flat offered as ‘budget hotel’ (Updated: Thurs 6.55pm, added HDB’s comments) A warning has been issued to the owner of an HDB flat in Yishun that has allegedly been turned into a “budget hotel”, said the Housing Development Board (HDB) on Thursday. A HDB spokesperson said that the agency has investigated the matter, and it has sent a letter of warning to the Singaporean flat owner who had been given approval to sublet his flat on compassionate grounds. The owner claims he was unaware his tenant had marketed his flat for transient accommodation and has since terminated the rental agreement, the spokesperson disclosed. “HDB takes a stern view against the infringement of housing regulations. HDB and the other authorities are prepared to take firm action against the flat owners and the individuals involved who contravene such rules,” the spokesperson said. While HDB flats are meant primarily for owner-occupation, owners are allowed to sublet their unit after completing the required Minimum Occupation Period (MOP). This provides flexibility for owners who might be in financial difficulty or retirees who need to supplement their retirement income, and it also helps to meet the demand for market-rental flats, HDB explained. However, those wanting to rent out their flats after meeting the MOP will only be considered under “extenuating circumstances”, it added. The spokesperson said, “For this particular flat in Jade Spring, which was completed in 2011, the flat owners, a Singaporean household, was given approval to sublet the flat for a limited period of time. The approval had been given on compassionate grounds, as the flat owners needed to take care of a sick parent who is living in another location.” HDB’s response came after advertisement of the flat as a “budget hotel” surfaced on various online and social media sites including Facebook. One ad read, "Hi, we have transient rooms and bedspace for rent for Filipinos, located in Yishun." Those interested were asked to get in touch with a person known as “Elena Gonzales” who had also listed her contact details on one of the sites. Attempts by Yahoo! Singapore to contact Gonzales were unsuccessful. According to the ad, the apartment comes equipped with different amenities for a comfortable stay and that a night's stay at the unit costs S$25 per head, which is cheaper than that of budget hotels in Singapore. Members of the public who spotted the ad managed to download photos of the unit before the account was deleted, helping others trace the flat to Block 450 in Jade Spring along Yishun Ring Road. It is also understood that the Build-to-Order (BTO) flat was only completed about six months ago. Under the Hotels Act (Chapter 127), section 7(1) states, "No person shall keep or manage any premises for the purposes of a hotel unless he is the holder of a valid licence granted in respect of the premises in accordance with the provisions of this Act." Moreover, Section 16(7) declares that, "Any person guilty of the offence shall be liable on conviction to a fine not exceeding S$2,000 and, in the case of a second or subsequent offence, to such fine or to imprisonment for a term not exceeding 6 months or to both."

http://www.tremeritu...a-budget-hotel/ A foreigner has been discovered running a "budget hotel" from a new HDB flat. A pinay by the name of Elena Gonzales had been advertising at various online sites and facebook about her "budget hotel" service. However, some netizens spotted it and started reporting it at the various forums and social media sites. Elena then quickly deleted her ads and facebook account. Fortunately, some enterprising netizens had taken screenshots of her ads and downloaded pictures of her "budget hotel" from her facebook before she deleted everything. She created a facebook account called "Transient Rooms Singapore" (http://www.facebook.com/transientelena) to get customers. On the facebook, it was mainly Filipinos who were looking for cheap short-term stays in Singapore making enquiries. Clearly, she is targeting "transient" Filipinos, probably Filipinos on a 30-day social visit pass looking for jobs in Singapore and needing a cheap place to stay. On one of her ads, it said: "Hi, we have transient rooms and bedspace for rent for Filipinos, located in Yishun". It also mentioned that the landlady is a Filipino and tenants are also all Filipinos. The apartment is new and comes with various amenities for a comfortable stay. Price was listed as $25 per head per night, much cheaper than the normal budget hotels in Singapore. To help locate the place used by Elena for her enterprising hotel venture, netizens poured over the pictures downloaded from her facebook and worked collaboratively online to help find the place. It was in fact found to be a new HDB flat in Yishun's Jade Spring at Yishun Ring Road. To be precise, the block number of the HDB flat is found to be 450. The flat is likely to be located on mid-floor. The field in front of the block belongs to Northbrooks Secondary School. The flat is a new BTO unit completed about 6 months ago which means only Singaporeans are eligible to buy. So, this pinay landlady is either a new citizen or rented it from a Singaporean and tried to run a budget hotel business from the flat. In any case, there should be enough information here for the authorities to start investigating and take the appropriate actions. Under the Hotels Act (Chap 127), section 7(1), it is stated that "No person shall keep or manage any premises for the purposes of a hotel unless he is the holder of a valid licence granted in respect of the premises in accordance with the provisions of this Act" and section 16(7), "Any person guilty of an offence shall be liable on conviction to a fine not exceeding $2,000 and, in the case of a second or subsequent offence, to such fine or to imprisonment for a term not exceeding 6 months or to both". It is unlikely that Elena would be granted a licence to operate a hotel from a HDB flat.

may be. U may happen to capture this http://www.renotalk.com/forum/index.php?showtopic=46234&view=getnewpost

U never mention they are the 1st owner. Even they know, do you think they will told their buyer.. hello.. my house got ah long. Do u think anyone will buy their house? Their objective is to pass the ball to the next player Why ah long ago after the neigbour.. don't know.. may be ah long tired of going after the customer and the customer didn't bother to answer their call. So.. they move to neigbour, to make them lost face???? Real reason.. only ah long know. I can't answer on that.. I'm not ah long. whether solved or not. U only can wait, wait until their next visit < touch wood>