therat

http://www.moe.gov.sg/education/private-education/school-list/ Private Schools (I to N) (290kb .doc)Lingo School of Knowledge Address: 1 Goldhill Plaza #02-35/37 Podium Block, Singapore 308899 Tel: 62533320 Fax: 63522290 Email: info@lingo.com.sg Supervisor: Ling Yen Wei Main Curriculum: TUTORIAL Are you represent the school?

http://www.channelnewsasia.com/news/business/singapore/mas-eases-tdsr-rules-for/991300.html SINGAPORE: The Monetary Authority of Singapore (MAS) has widened the existing exemptions from the Total Debt Servicing Ratio (TDSR) to cover the refinancing of loans for owner-occupied properties that were bought before the measure was introduced last year. In a statement, the MAS said it had received feedback from borrowers who have faced challenges refinancing such loans. Under the revised rules, a borrower who bought a residential property before the TDSR rules were introduced will be exempted from the TDSR threshold as long as the buyer occupies the home that is being refinanced. The Mortgage Servicing Ratio (MSR) will also not apply to the refinancing of loans for HDB flats and Executive Condominiums that are owner-occupied and were purchased before the respective MSR implementation dates of Jan 12 2013 and Dec 10 2013. A similar concession will apply to loan tenures. In such cases, borrowers whose loan tenures for their owner-occupied residential properties exceed the current limits will be allowed to maintain the current tenure when refinancing the loan. MAS latest move was welcomed by the banking industry. Koh Ching Ching, group head of corporate communications at Oversea-Chinese Banking Corp (OCBC), said: "Some borrowers with good reasons to refinance will now face less difficulties in doing so. The older home loans were not assessed with the new TDSR rules and hence the exemption for properties bought before the introduction of the stipulated TDSR rules is therefore fair." Getty Goh, Director of Ascendant Assets, said: "Without this reprieve there are a lot of analysts forecasting prices coming down quite fast at quite a significant rate, purely because a large part of homeowners are not able to secure refinancing from banks. "With this reprieve, this large group of homeowners are now able to secure refinancing and in turn they are able to hold for a longer period of time. It is not good for prices to drop fast and significantly, because definitely it's the government's intent to see prices stabilising. "We've come across many instances before these, a lot of them were towards the end of the loan tenure and they were in a catch-22 situation. Because on one hand they cannot go to another bank and refinance their accommodations because of their TDSR. On the other hand, if they were to stick with the current loan provider, they'll be paying two per cent, three per cent, so I think this is really a good reprieve for this group of people."

http://www.channelnewsasia.com/news/singapore/hdb-sets-quota-on/956344.html HDB has introduced a quota on subletting of whole flats to non-citizen subtenants, excluding Malaysians, to prevent the formation of foreigner enclaves and maintain the Singaporean character of heartlands.SINGAPORE: The Housing and Development Board (HDB) has introduced a quota on subletting of whole flats to non-citizen subtenants. It said the move is to prevent the formation of foreigner enclaves in estates and maintain the Singaporean character of the heartlands. HDB flat owners who lease out whole units to foreigners will be bound by the new rule, with immediate effect. The quota on subletting of whole units to non-citizen subtenants applies to all foreigners, except Malaysians. It is set at 8 per cent per neighbourhood and at 11 per cent per block. Owners who wish to lease their units must make sure the quotas for both are not exceeded. HDB said some towns are already seeing more foreigners renting whole units. These include the Central area, Clementi, Jurong West, Queenstown and Sengkang. HDB said the new policy will apply to all flat subletting applications. Owners currently subletting their whole flat with HDB's approval may continue to do so for the remaining approved duration. However, if the remaining duration is more than one-and-a-half years, it will be reduced to one-and-a-half years from the date of inclusion. The maximum period of subletting will be three years for Singaporeans and Malaysians, and one-and-a-half years for non-citizens. HDB said Malaysians are excluded as they "better integrate into our estates due to their cultural and historical similarities with Singaporeans". A property expert said the new ruling will have some impact on the HDB rental market, but not on the HDB resale market. PropNex CEO Mohd Ismail said: "Public housing is all subjected to a minimum occupation period, and people who buy are subjected to keep the property for a long term, and not to rent out for a rental yield. Therefore, I don't expect any impact on the resale prices. He added that the new rule will also not have an impact on the private-property rental market. He said: "We are talking about two different segments where the price is very different -- because for public housing, the rental is... on average S$2,000 to S$2,500, while for private properties, a smaller unit will start with a S$3,000 budget. "Therefore the target audience of these foreigners who are renting HDB properties are not likely to or can easily cross over (to private properties), due to the gap." - CNA/al

Those DIY shop, Homefix, selffix Some neigbour HW shop might carry

There are always some group of people specially fly in to Singapore not to visit tourist spot but looking for unlock, unsafe unit. Unit that easy, able to climb in and help out themselves on your stuff You want nice view OR house break in (possible)

http://ifaqs.flexanswer.com/CFP/pages/Themes/HDB/Answer_internal_authorized.aspx?MesId=8613303&IntNotes=1&reAskpage=answer_int_authorized.aspx&RecordQuestion=Yes Q:Why are flat owners not allowed to engage non-registered contractors for works that do not require renovation permits? [Living in HDB Flats > Looking For A Renovation Contractor]A:Registered renovation contractors have obligations to HDB. For instance, all registered renovation contractors must ensure they: follow HDB’s renovation guidelines/conditionsdo not damage HDB propertydo not cause nuisance to other residents during renovationsEven when renovation permits are not required, flat owners should engage registered contractors to ensure that renovations are carried out properly.

1. You only can use CPF provided you and your spouse has meet the minimum sum component from CPF. Now is $148k or $74K EACH 2, ABSD is 7% not 6% c)(i) SC who already own# one residential property would have to pay ABSD of 7% on the purchase or acquisition of the second residential property. http://www.iras.gov.sg/irashome/page04.aspx?id=12832 Is the initial 20% able to be bridged by loan? I don't think can

I'm ok for sharing experience BUT I hate spamming

How tall is your lift? Can 10.5 feet get into the lift?

Our mattress size is not confusing. Just that the way its name is different. In Singapore, we use single, super single, queen and king to describe the size. While other country using " inch to describe.

http://www.channelnewsasia.com/news/singapore/mnd-refines-ec-housing/916838.html The government will implement three measures for Executive Condominium (EC) developments. These are lower cancellation fees; 30% MSR cap; second-timer applicants who buy EC units directly from property developers to pay resale levy.SINGAPORE: The government has introduced three measures to refine its Executive Condominium Housing Scheme. "The government will implement three measures for Executive Condominium (EC) developments to bring the terms for ECs closer to that for public housing, and help support a stable and sustainable EC market," said a Ministry of National Development (MND) statement on Monday. Reduce EC Cancellation Fee The cancellation fee for ECs will be reduced from 20% to 5% of the purchase price. This will relieve the financial burden of buyers who have to cancel their EC bookings after signing the Sale & Purchase Agreement. The new cancellation fee will be applied to EC land sales which are launched on or after 9 December 2013, including those where the tenders have not closed. The cancellation fee for ECs is currently set at 20% of the purchase price, similar to those for private housing. However, unlike buyers of private housing, buyers of EC units cannot sub-sell their units if they cannot complete their purchase, and have to pay the cancellation fee. This has especially imposed significant financial burden on young couples who subsequently are not able to proceed with their marriage and hence the EC purchase. The reduction will align the cancellation fee for EC units with that for HDB Build-to-Order (BTO) flats. Resale Levy for Second-Timer Applicants Second-timer applicants who buy EC units directly from property developers will have to pay a resale levy, similar to second-timer applicants who buy BTO flats. The new requirement will be applied to EC land sales which are launched on or after 9 December 2013, including those where the tenders have not closed. Currently, second-timer applicants who buy EC units directly from property developers benefit from the lower EC prices arising from the initial eligibility and ownership restrictions imposed on EC purchases. However, they do not need to pay a resale levy. The alignment of treatment with second-timer applicants who buy BTO flats will ensure greater parity. Revision of Mortgage Loan Terms The Monetary Authority of Singapore (MAS) will cap the Mortgage Servicing Ratio (MSR) for housing loans granted by financial institutions for EC units bought directly from property developers at 30% of a borrower's gross monthly income. This is in line with earlier measures introduced by the HDB and MAS to encourage financial prudence among buyers of public housing. It discourages EC buyers from over-stretching their finances and supports an affordable and sustainable EC market. The 30% MSR cap will apply to EC purchases where the Option to Purchase is granted on or after 10 December 2013. Previously, only the total debt servicing ratio rules apply to EC buyers, where up to 60 per cent of household income can be used to repay a mortgage for a new home purchase, over a maximum period of 30 years. - CNA/ir

http://www.channelnewsasia.com/news/singapore/mnd-set-to-decide-on-cap/912262.html The National Development Ministry will decide soon on an appropriate cap on the percentage of flats that can be sublet to foreigners in HDB blocks, so as to maintain the Singaporean character of the heartlands.SINGAPORE: The National Development Ministry will decide soon on an appropriate cap on the percentage of flats that can be sublet to foreigners in HDB blocks, so as to maintain the Singaporean character of the heartlands. Writing in his latest blog entry titled "Preventing Foreigner Enclaves", Minister Khaw Boon Wan said in deciding the cap, he was mindful of the need to balance the impact on those who rely on subletting for additional income, especially the elderly. Mr Khaw said HDB has completed its analysis on the current subletting situation. Currently, less than four per cent of HDB flats are sublet to foreigners, excluding Malaysians. However, the proportion could go up to nine per cent in some areas, or even 18 per cent in some blocks. In Parliament recently, MP Foo Mee Har had shared her concerns about foreigner enclaves forming in HDB estates. She suggested a 10 per cent cap on the number of flats that could be sublet to foreigners in each HDB block. Currently, only Singapore Citizens and Permanent Residents can buy HDB flats. However, foreigners can rent rooms or entire flats. There is no cap on the number of flats sublet to such foreign tenants in HDB blocks. - CNA/ac

Do u went inside to shop?

as you are buying a resale HDB. If by the time of 2nd appointment on your resale HDB (you are buyer), you had not sell away your existing HDB(you are seller). The transaction will stop. I'm not too sure, will it consider void or not. You need to check with HDB sell away existing HDB mean 2nd appointment completion for this current HDB. Not submission of OTP or signing OTP. I'm not too sure where you get that information that you had 6mth to sell away your current HDB. And take note, if you didn't complete the buying of the resale HDB. That resale HDB owner has the right to sue you for breaking the contract. And your home loan, you will need to pay penalty for breaking the bank loan. Then you still need to pay lawyer. Basically if you didn't complete the buying of resale HDB, you need to pay ALOT of MONEY You are racing against the time. Good luck

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I like your door sign, very nice

http://www.channelnewsasia.com/news/singapore/homeowner-jailed-for/867904.html SINGAPORE: A 50-year-old woman has been sentenced to seven months' jail for harbouring an immigration offender. Mariam Abdullah was arrested earlier on October 9 this year at her residence in Sims Drive for harbouring a male Bangladesh national who had remained in Singapore illegally. The 23-year-old Bangladesh national claimed that he is a work permit holder and paid Mariam a monthly rental of S$250 to stay at her unit. Mariam failed to check with the Immigration & Checkpoints Authority (ICA) regarding his status in Singapore before renting out her unit to him. The immigration offender was sentenced to 10 weeks' jail and five strokes of the cane on October 24. ICA said homeowners should check the status of their prospective foreign tenants to ensure that their status in Singapore is legal. Homeowners who are found guilty of harbouring immigration offenders may be sentenced to a jail term of between six months and two years, or a fine of up to S$6,000, or both. - CNA/fa =========== the one overstay get 10 week jail + 5 strokes Landlord get 7 mths jail just for $250 room rental. To all landlord , please check the tenant status.

before 2nd appointment, seller still the owner of the HDB unit. In the eye of the law Aka .. U the seller some buyer do ask .. but not too sure is it common or not. If u don't like the idea. Just reject. No need to compromise or make what agreement. There is a topic about this before Some seller no issue on this. But not for me. I reject my buyer request for handing the key early. I don't want .. when **** happen.. then finger start to point here and there. It still my house I still paying the monthly installment I still paying the property tax I still paying Town council S&CC Rates

http://news.asiaone.com/news/singapo...such-divorcees Daryl Chin The Straits Times Wednesday, Sep 18, 2013 SINGAPORE -The Housing Board has expanded the scheme that caters to families waiting for their new flats to include divorcees, as well as couples that include someone who has previously enjoyed a housing subsidy. Get the full story from The Straits Times. See below for the full press release from HDB: PARENTHOOD PROVISIONAL HOUSING SCHEME TO BENEFIT MORE FAMILIES Today, HDB announced three key changes to the Parenthood Provisional Housing Scheme (PPHS). These changes will allow more families the option of temporarily renting a HDB flat at affordable rates, while they wait for their new flats to be ready. Eligible families will now also be able to move into their PPHS flats soon after applying. Extension of PPHS to Benefit More Families First, HDB will extend the PPHS to: a) married couples, comprising a first-timer and a second-timer; and b) divorced or widowed parents with children. Previously, only married couples comprising two first-timers are eligible. The change will better cater to other families who are also in need of affordable temporary housing while waiting for their new flats to be completed. Married couples will however continue to enjoy priority in selecting a PPHS flat. II Enhancements to Allow Faster Occupation 3. Second, all eligible families will now be able to apply for PPHS flats any time, without waiting for periodic launches. They can do so via the HDB InfoWEB or e-kiosks at HDB Hub/Branches. They will also now be able to apply once they have booked a new flat, without waiting for the signing of the Agreement for Lease, which could be up to a few months after. There are currently 800 PPHS flats across four locations to choose from. These flats are retrofitted and ready for immediate occupation. Monthly rentals start from $800, depending on the flat type and location. Details can be found on the HDB InfoWEB. After applying, they would be able to select and move in by the following month. Third, we will also allow engaged couples to apply for PPHS in advance, while they wait to register their marriage. They must produce their Marriage Certificate within three months of moving into their PPHS flat. Eligibility Criteria In summary, the PPHS applicant must fulfil the following eligibility criteria: a) the applicant forms a family nucleus as a married couple or fiancé-fiancée couple (both are first-timers, or one is a first-timer and the other a second-timer), or a divorced or widowed parent with children, which has booked an uncompleted flat offered in a Build-To-Order (BTO) or Sale of Balance Flats (SBF) exercise. Fiancé-Fiancée couples must submit their Marriage Certificate within three months of taking possession of the PPHS flat; b) the applicant is a Singapore Citizen and there is one other Singapore Citizen or Singapore Permanent Resident in the family nucleus; and c) the applicant and occupiers of the PPHS flat must not be owners of an existing HDB flat, unless they are co-owners of the existing flat with other family members and undertake to relinquish their ownership in the existing flat within six months of taking possession of the PPHS flat. Enquiries More information on the PPHS is available on the HDB InfoWEB. For enquiries, members of the public can contact HDB at: a) E-mail: hdbrental@hdb.gov.sg b) Branch Service Line: 1800 - 2255432 (Weekdays: 8.00am - 5.00pm)

Bank officer will give the lawyer name if you don't have one. But that does not mean he/she is good. OR You can find your own. Once, I use the lawyer given by the Bank officer. KNS.... darm screw up .. until I complain to Law society. Now.. this lawyer was in jail b'coz other offense he broke. How much.. depend how much is ur property? If landed .. more If HDB or condo less than 1 million.. $2.5k to $3k.. depend .. u can neg

install CCTV

1. don't post your WTS at other section. This is the only section for you to sell your item 2. I had merge both of your same WTS topic

http://business.asiaone.com/property/news/new-3-year-waiting-period-permanent-residents-buy-resale-flats Charissa Yong The Straits Times Tuesday, Aug 27, 2013 SINGAPORE - Newly-minted Singapore permanent residents will now have to wait three years before buying a resale public flat, instead of straightaway after they become PRs. New HDB cooling measures target mortgage servicing ratio and maximum loan tenure By Daryl Chin and Charissa Yong Resale flat buyers who take HDB loans can now only use up to 30 per cent of their gross monthly income to repay their loans, down from 35 per cent. More middle-income households now eligible for Special Housing Grant The income limit will now be $6,500, a sharp increase from the previous $2,500. HDB to encourage multi-generational living with new flat type; tweaks for priority scheme The new flat type, which features four bedrooms and three bathrooms, will have an internal floor area of 115 sq m, slightly larger than current five-room units which can measure up to 110 sq m. Get the full story from The Straits Times. Here are the changes announced by MND in a press release: Today's announcement of six measures will further improve our public housing system to make sure that every Singaporean family who is working can afford their home. We particularly would like to highlight these four points: First, we are extending the SHG to also benefit first-time buyers of new 4-room and smaller flats (standard or premium) in the non-mature estates, in addition to those buying 2-room and 3-room standard flats in the non-mature estates. Second, we are extending the SHG to middle-income first-time buyers, by raising the SHG income ceiling from $2,250 to $6,500. This is a significant shift in policy. We are going beyond helping the low-income, to also extend help to the middle-income, to buy their first flat. Those earning between $2,251 and $5,000 can get an additional SHG of $20,000. While homeownership is not an issue for the middle-income, they feel stretched by the rising costs of living. This grant will help relieve their burden and stress. Third, we will help low-income families who are first-time buyers of subsidised 2-room flats in the non-mature estates upgrade to new 3-room standard flats in the non-mature estates by giving them a Step-Up CPF Housing Grant of $15,000. This is a significant move as we are now going beyond helping the low-income own their first home, to also help them upgrade to a larger flat. It will give them and their children more space, and a more valuable asset. If they work hard, life will get better and better for them, and their families. We give them a step-up, so that we progress together as a nation. Fourth, we will expand the current range of HDB flats to pilot a new typology: Three-Generation (3Gen) flats. As our population ages, we will do more to promote mutual care and support, by making it easier for families to live together and care for one another. These are significant measures, which together with the series of measures that we have implemented in recent years, will enable all Singaporean families who today a. Earn $1000 per month to afford a 2-room flat; b. Earn $2000 per month to afford a 3-room flat; and c. Earn $4000 per month to afford a 4-room flat. Affordability will be achieved through a shorter mortgage loan tenure of up to 25 years, instead of 30 years. Affordability will also be achieved through little out-of-pocket cash payments (and often, none at all), as buyers can use mostly CPF to pay off their loans. Singaporeans can then set aside incomes from the later years of their working lives for retirement needs. As the Government plays a bigger part to help share the housing burden of the people, individuals must also play their part by being financially prudent and not spending beyond their means. Beyond stabilising BTO prices and ensuring the affordability of new HDB flats, we will continue to monitor the property market closely, and will take further actions if necessary. Here is the rest of the press release from MND: Today's announcement follows a series of measures that we have introduced over the last two years. They are targeted at restoring balance in our HDB market. We are not fully done, but the efforts are producing results. We are building a huge number of new flats. Since 2011, we have offered a record 68,000 Build-To-Order (BTO) flats. We have cleared the backlog of young families buying their first flats. We have delinked BTO prices from resale flat prices, and stabilised BTO prices. We have introduced the Special CPF Housing Grant (SHG) for families who are first-time buyers of new 2-room and 3-room standard flats in the non-mature estates. Together with an enhanced Additional CPF Housing Grant (AHG) and the NS Recognition Award for NS men, these smaller flats, and especially 2-room flats, are affordable for the low income families. We have refined the BTO allocation system through the Parenthood Priority Scheme to make it easier for married couples with children (including expectant mothers) to get their first flats. We have also introduced a Parenthood Provisional Housing Scheme to allow newlyweds to rent a flat while waiting for their new flats to be completed, with priority for families with children. We have raised the income ceilings across the board so that more Singaporean families can enjoy housing and mortgage loan subsidies. We have also done more for many other buyer groups. For the elderly, we have introduced the Silver Housing Bonus, enhanced the Lease Buyback Scheme and facilitated ageing-in-place through the Studio Apartment Priority Scheme.For the vulnerable, we have built more rental flats, and made it easier for divorcees with children to buy BTO flats. For second-timers, we have increased the flat allocation quota in the non-mature estates and for Executive Condominiums. Just last month, we introduced a new scheme to enable singles who have never bought subsidised public housing before to buy 2-room BTO flats in the non-mature estates. Eligible singles will also enjoy the AHG and the SHG. We have also extended this scheme to citizens with foreign spouses. This is a major policy shift. As it is a new policy, demand for the initial BTO exercises will remain strong and we will need some time to address the pent-up demand.

JB is cheap but when they bring over to SGP. it will be subjected to GST. And u need to call and call , go after them for deliver date and time.

http://www.channelnewsasia.com/news/singapore/loansharks-who-harass/784558.html Loansharks and their runners who "knowingly harass innocent persons", such as debtors' neighbours, ought to be jailed two to three months longer than the current benchmark sentence of 12 months, said a High Court judge in a judgment released on Tuesday.SINGAPORE: Loansharks and their runners who "knowingly harass innocent persons", such as debtors' neighbours, ought to be jailed two to three months longer than the current benchmark sentence of 12 months, said a High Court judge in a judgment released on Tuesday. This is because these offenders should not be allowed to treat innocent parties as "mere collateral damage in their unrelenting quest to make debtors pay up", added Justice Tay Yong Kwang. The judge's pronouncement came amid a crackdown in recent years - including an enhancement to the Moneylenders Act in 2010, which toughened penalties for harassment to include mandatory jail and possible caning - on the loansharking scourge that has dogged the Republic since 2005. Last year, the police received slightly under 9,000 reports of loanshark harassment, down from 11,776 in 2011 and 15,525 in 2010. In allowing the prosecution's appeal against loanshark runner Quek Li Hao's sentence, Justice Tay said it was an aggravating factor, in his view, when innocent persons are deliberately targeted and harassed. Quek, 38, had been sentenced to 14 months in jail and 12 strokes of the cane, and fined S$30,000 for four charges of harassment that damaged property. Seven other similar harassment charges against him were taken into consideration for sentencing purposes. According to court documents, Quek had been recruited in July last year by an unlicensed moneylender to splash paint at borrowers' flats and scrawl "O$P$" at staircase walls to pay off the loans he had taken. Earlier in May, he also agreed to open a bank account for another loanshark he had borrowed from. On Aug 21 last year, he was arrested after a member of the public saw him scrawling on a wall. Quek, who was unrepresented, said he was "remorseful" during the appeal and asked that the court maintain his sentence because he had aged and sickly parents to care for. In upping Quek's total jail term by 10 months to 24 months, Justice Tay pointed out that the Parliament's intention, in prescribing mandatory imprisonment and even caning for first-time offenders, was "clearly to strongly deter the commission of loanshark offences". Although the district judge had placed Quek in the category of offenders "deserving of compassion" - he claimed to be in genuine financial need as he had to pay for his parents' hospitalisation bills, and was plunged into debt because he was guarantor for a debtor who ran off - Justice Tay noted that Quek was still holding a regular job when he became a runner. The judge added: "Innocent parties should not be made to suffer the anxiety, frustration and helplessness caused by such acts of harassment. Such indiscriminate acts disturb the peace of mind and sense of well-being of the community by enlarging the area of conflict." -TODAY