therat

sell high, buy high sell low, buy low. COV down is only benefit those don't have any HDB on hand. For those plan for upgrade, downgrade. COV can be good and bad news to them. depend which side of wall they stand

do more window shopping, compare the price Then decide whether you has been chop or not

Hmm.. U are right on this. I read the CPF housing grant on HDB web http://www.hdb.gov.sg/fi10/fi10321p.nsf/w/...nt?OpenDocument It really state "First-timer applicants" It's totally different from what I had remember. Rules change again? http://www.hdb.gov.sg/fi10/fi10321p.nsf/w/...ly?OpenDocument When buying an HDB resale flat, you may be eligible for a CPF Housing Grant if you and your spouse: - Are buying a HDB flat for the first time, and - Have not previously enjoyed a housing subsidy but but.. if only for 1st timer. Then how come got resale levy. I kong kong liao..

Hmm.. I don't think take HDB bank loan need to pay levy. I can't find any statement mention in HDB web.

ur 1st HDB is direct from HDB. 1st subsidy now you want to buy a resale HDB and take grant. That's 2nd subsidy. 2nd subsidy HDB need to pay resale levy. http://www.hdb.gov.sg/fi10/fi10322p.nsf/w/...vy?OpenDocument Resale Levy

U still eligible for the 2nd CPF housing grant. Just pay the resale levy.

http://askhdb.hdb.gov.sg/Home/hybrid/Theme...ategory%3D60665 * Q: * Due to unforeseen circumstances, I do not wish to proceed to buy the resale flat. How do I go about doing it? [ Buying A Resale Flat > Resale Procedures for Buyers > Submit Resale Application ] * A: Before the first appointment Either buyer or seller may submit a written request to HDB to cancel the registered resale application. After the first appointment Both buyer and seller must agree to the cancellation of the resale application and submit a written request to HDB for the cancellation. This cancellation, however, does not necessarily mean the Option to Purchase becomes void. In the case of a dispute, both parties will have to consult their own private solicitors.

If you are taking HDB loan, you should have HLE on hold. If this is your 2nd subsidy HDB, pls prepare CASH + interest to pay your levy. Financial Planning http://www.hdb.gov.sg/fi10/fi10321p.nsf/w/...es?OpenDocument * Financial Planning * Housing Loan from HDB * Housing Loan from Bank * CPF Housing Grant Schemes * Cost Involved * Enhanced Contra Facility (ECF)

u taking bank loan or HDB loan? If Bank loan, ask the bank. Different bank has their own cut off age. For HDB loan, http://www.hdb.gov.sg/fi10/fi10321p.nsf/w/...at?OpenDocument

1) Apply PUB n electrical 2) Update IC address in ICA. 3) Update handphone telco 4) Update Internet service provider 5) Apply TV license - no need 6) Update relevant bank 7) Update company HR for new residence address -- is it necessary? 8) updated insurance company

http://services2.hdb.gov.sg/webapp/BB24Sal...aleProceedsCalc http://mycpf.cpf.gov.sg/Members/Calculator...Calculators.htm Buying A House # CPF Housing Withdrawal Limits Calculator # Our First Home Calculator New! # Home Affordability Calculator # Home Protection Scheme Premium Calculator # Loan Repayment Period Calculator # Monthly Instalment Calculator # Outstanding Loan Calculator # Total Interest Calculator

Guess the seller must be very regret for not taking up the 50K COV offer $440K don't want. In the end, sell at $423K. 17K lesser

How to tell the agent is honest? How to know the agent will think of the client interest 1st and not quickly wanna close the deal to get the commission quickly? Can teach us?

YinYong has alot of versions 1. wordy novels , using traditional Chinese. Read from line up to down, 2. wordy novels, using simply Chinese. Read from line left to right . 3. Got comics type. Library has. 4. HK drama. Alot of version。 5. Taiwan drama 6. China drama Yin Yong is the most story that make into drama series. Singapore version also has.. by Fan Wen fang. But that series is terrible + horrible. Especial the hair style of Fan Wen Fang. Look so familiar. Until my sis point out... street fighter that girl lor. But better than the 粱羽生 story that Singapore TCS make. That 粱羽生 drama is terrible + horrible + incredible. I only watch 5 min. I off the TV and go and play my computer games. Totally cannot watch. Will damage your eye

lol.. we take turn arr.. I email them and they call by phone and email back on the next working day customerservice@hitachiconsumer.com

wah liao.. this one worst than 10 yrs series Who can come out this. I

Cannot be. Sure can find. Go to Chinese, under 武侠小 (I can't remember the last hanyupinyin) Read jin yong 1st. Reason, alot of cartoon, HK drama, Taiwan drama has it. Can use it to raise the interest of the kids Gu Long .. like Shakespeare. Super detail and long winded. I remember my 1st and last Gu Long story. Story start a male standing at the village entre, waiting for flight. 1 chap finish, wah liao.. still standing at the entre. The whole chap describe that flower la, how the leave fall lah, how the wind blow lah. Next morning, 1st thing. return that story book. 粱羽生 .. alot of characters. And also read until half way then it say .. Refer this book for the history of this and that person relationship. sometime very 'angry' one. Their relationship and family line can go up to 3 generations. I even did a draft of the relationship. Or else. don't know what the hack are they talking.

If 3rm corridor unit, most of them place the TV near to window. But try not in the middle of it. Or else 1. you can't open the window 2. how to wash the window 3. sunlight 4. instead of watching window, you are watching ppl walking at the corridor

not seem It is coming Don't you feel , suddenly alot of white uniform showing up. Past few yrs, where got see them, especially those young one Suddenly, simi thing also got them Toa Payoh fire, go and clean the house. Singapore 1st time, HDB tio fire arr.. where are they at that time?

金庸

No cinema again

My completed plan. Fully paid HDB Wish Plan: buy 2nd property , to be landlord

must think out of box mah I whack you give 50 cents only. Buy what Buy what Coffee also not enough

cool down, guys. Everyone has their own way of express themselves. Don't get to heat up. For me, if I had 1.6M. I think I will drawn the money out and put at home and count. Count until 1 day I sian liao. I will put back into the Bank. Then start my tour around the world.

http://business.asiaone.com/Business/My%2B...029-244833.html When selling off doesn't mean better off By Shree Ann Mathavan THEY can't pay off their home loans and other debts. So they sell their HDB flats but end up without a roof over their heads. Related story: » HDB enhances resale checklist Their solution? Squat at the void deck or pitch tents on the beach while hoping to get a rental flat from HDB. In recent years, The New Paper has reported on the plight of such families in the Malay-Muslim community. Members of Parliament (MPs) have also spoken about the issue. Will the implementation of the seven-day cooling-off period for HDB flat sellers from Nov 1 help such people make better-informed and more prudent financial decisions? The cooling-off period has to be observed after the sellers complete an enhanced resale checklist that includes working out the estimated sales proceeds from their flat, a financial plan for the purchase of their next flat and where they plan to live next. The sellers can grant an option-to-purchase (OTP) to buyers - the contract used in resale transactions - only after the seven days. Several Malay-Muslim MPs and community leaders told The New Paper that the new measures will help some people in the community. Mr Zaqy Mohamad, MP for Hong Kah GRC, said: "The policy doesn't specifically target the Malay-Muslim community but I suppose a number would benefit from it. "The changes will be welcome for those who are not so well informed, so that they won't rush to liquidate their flat." Mr Abdul Halim Kader, 58, a veteran Malay community leader and president of voluntary welfare organisation Taman Bacaan, agreed that the measures will help some in the Malay community. He said that the measures can help reduce the number of people who become homeless after rushing to sell their flats because they were influenced by unscrupulous property agents or family members who want a cut of the money. "It will also help prevent friction among family members because of the housing situation," Mr Abdul Halim added. Madam Halimah Yacob, MP for Jurong GRC, said the measures are not targeted at anyone community. She had previously spoken of some Malay-Muslims who had difficulty paying their housing arrears due to poor financial planning. She said: "It may seem there are more (homeless) cases from this community. "But I don't think the measure is targeted at a particular race. It would benefit all lower-income households who may over-extend themselves." She said the enhanced checklist and extra time would allow sellers to understand the implications of their actions and seek advice from others. Policy's positive impact Mr Zainudin Nordin, MP for Bishan-Toa Payoh GRC, reckons that it's too early to tell the impact of the policy on homeless cases. But he thinks the checklists can have a positive impact if properly implemented. "The bottom line is we want buyers and sellers to be properly guided in one of the most important investment decisions in their lives," he added. PropNex chief executive Mohamed Ismail said the measures are targeted at those who are frivolous in their spending, "regardless of whether they are from this community or not". He said: "This allows them to do their financial calculations, so thereafter they can't come back crying later on after selling their house and demanding a rental flat. "They have to think about where they are going to live - is it with the in-laws or are they going to rent a room?" But the cooling-off period and enhanced checklist have their limitations. Mr Zaqy pointed out: "Those in desperate need of funds may sell their flat and bulldoze their way through the checklist no matter what." HDB said last week that the additional disclosures it is requiring flat sellers to put in the checklist are meant to help them make responsible decisions, not block the sale of flats. Madam Halimah suggested: "The cooling-off period alone isn't sufficient. There should be a mechanism where people can get financial advice during this period." This article was first published in The New Paper.