therat

never get HLE before getting a flat. That deposit is for lesson pay

Ur banker cannot recommend any lawyers?

listen to ur agent. Don't extend the OTP as for the 1k deposit, forfeit it. As u will not know whether your next buyer is when and what is the price. I guess the husband may be jobless. With 1 person income. There is a limit on the home loan.

tell them. If they keen exercise the OTP first. what if the husband citizenship was delay? extend another 2 more week 2 more weeks , another 2 more weeks. How many 2 more wks your have? What if they face doc issue and decide not to go ahead? who will be paying the time you had lost. What if by then, you can't able to fetch the price. How? For the commission, you need to check with ur agent. I know some agent consider once OTP sign, they will get their commission regardless it complete or not. Once OTP expire, you are free to re-market again and fore fitting the deposit BTW, ur agent not honesty on the seller condition.

Bank has 3 type 1. SOB 2. SIBOR 3. Board rate 1 & 2 is more transparent and base on market rate 3 one basically is up to the bank to adjust.

if the wall is shifted illegal, HDB will tell the seller to revoke back to the HDB original. If u plan to shift a wall, remember to ask the contractor to show you the HDB approval and keep it safe.

leaking pipes. Dont think so want to ask question, don't repeat the same question all over the thread.

HDB inspection will be on the surface. they will not go very deep into leaking pipes, electrical wiring aging.

then.. what u expect? That was the starting point. After this incident. HDB want contractor to submit for approval 100%. And even come out approval HDB contractor list. I still can remember the couple is young couple who just marry. 1st HDB. Malaysian, singapore PR They was so worry and scare to **** when they realize what 'hole' they had make. And that whole HDB block has to find a place to stay. As the correction take few days or weeks So.. wall.. don't any how knock.

shifting off wall, need HDB approval. Unless the flat owner and contractor didn't get HDB approval, then it is illegal. many yrs back, a couple brought a unit and knock down a wall, plan to shift that wall. Who know their contractor does not get HDB approval, before the knock. And so happen, that wall is 1 of the bone of the HDB block. unit below wall crack. Level 1 wall crack. Whole HDB block evacuate, wait for HDB PE to check and do the necessary correction.

When u sign the OTP, don't know is after 1st appointment or before. HDB will sent ppl down to inspect the unit. Ensure the seller does not do any illegal modification. If the office spot any, they will ask the seller to revoke back or else the transaction cannot complete. But had cases, like the office miss out. Then when the buyer want to sell the unit few yrs later. Another office spot that and request the flat owner to change even the modification is not done by them.

had you sign OTP? u sign w/o getting in-approval principal (hope I get the name correct)? Just call the bank or write a email to them. Just remember, don't take board rate. It sucks

so.. the finial decision still the bank. If my record is good, the bank might rent me more than their valuation. Am I correct?

For resale, the TOP list is Ah Long. If ah Long issue is clear, then for house condition is depend on whether you want to do 100% reno, abit reno, 1/2 reno. Very much depend on you. some ppl concern about location. As they plan to reno to their own taste. some ppl looking for min reno, location not important some ppl don't want to do flooring, so floor is important. some ppl want high floor, the rest not that important some ppl want NS facing, the rest not that important some ppl want near to good school, the rest not that important the list can go on and on... i don't know which one you fall in Very hard to give checklist. basically the checklist is you. Some ppl do the house very nice but when HDB office come down for checking and spot some illegal modification that request the seller to modify back to the HDB standard. This might happen. The most common thing is the heater

It is not a common practice think this way OTP w/o a date. Buyer gain time to shop around. And if they find a cheaper house and don't want to exercise ur OTP. U had nothing to say While Seller got hold on it. Don't know when to sell, when to move. Seller got control by the buyer. Ask what u had mention.. headache. Tell ur agent to put a date. INSIST. But take note, understand the agent will still collect commission from seller b'coz they did find you a buyer. I'm not agent, better ask another agent for 2nd opinion.

If the bank only grant u a loan of $40, it mean the bank will only lent u max $40. regardless is 60% loan or 20% loan

get in-principle approval before sign anything. use in-principle approval for neg

No truth We manage to neg to 1% commission exclude GST If ur agent insist on 2% and set by the company. Change agent and the company.

I don't think that was allow. U can call directly to the developer, ask the the project IC

ERA just don't want to further "blacken" their name especially after the flipping case. Go into small claims will be recorded.

no time

i did sold away my private property , my agent comm is 1%. We set a target. Meet or above that target 2%, below target 1%. may be it's our luck to meet a agent can neg comm

u mean if the buyer engage a agent telling him. They want to buy a private property they need to pay the agent comm? It's not correct For private property, standard market practise is buyer 0%. Seller 2% (this can be neg)

which part of Bedok Now. bedok 3rm.. the price is crazy. So far.. the valuation I come across from 210k to 290K.. ya.. 3 room only COV from $5k to $30k.. ya .. 3 room only The highest I come across is $290k + $30k and the best part 4 floor only. Ya.. 3 room again

I think HDB will know If the HDB is buy under 2 name husband and wife. both name either Singaporean or PR Understand non-PR cannot own a HDB. They need to sell