EXPOSE yourself - LXXXIV

[Numnumball]

o hai~ good afternoon.
weather so hot, i overslept in the morning.
going to stay at home and play game until shiok

Wahso shiok. So gd be teacher.. Got extra holi...

 

[mojopy]

Wahso shiok. So gd be teacher.. Got extra holi...

but we worked crazily every school day.

 

[andrewtansj]

Bye, have fun. Next week when you back, we go night macro.

ok!

 

[andrewtansj]

i would rather stay in the east, truth be told.

probably not going this time round. i'm not sure how this sale of balance exercise works, but seems like you can apply for the town + flat type.... i don't mind low floor high floor, i just worried i will get handed an ulu location.. :dunno:

of course, i might be wrong.

anyways, got until 13 sep to find out.

i was turn off by the locations they offering...

 

[night86mare]

i was turn off by the locations they offering...

what happened to the other locations?

surely the mature estates also have flats that are repossessed, etc?

 

[night86mare]

I used to drive 1 1/2 hours to get to work every day, I think sitting in 1 1/2 hours in public transport would be more relaxing

yar, but this is singapore...........

:sweat:

 

[mojopy]

man... I'm bored.

 

[Leong23]

what happened to the other locations?

surely the mature estates also have flats that are repossessed, etc?

If you lucky kena a new flat under en-bloc in mature estate, a 4 room flat will cost around S$360k and higher floor will cost more. Minus away 1st timer grant and need to pay 20% down payment, combine cpf need to have around S$66k and also a few thousands dollars cash for legal and stamp fees.

 

[night86mare]

If you lucky kena a new flat under en-bloc in mature estate, a 4 room flat will cost around S$360k and higher floor will cost more. Minus away 1st timer grant and need to pay 20% down payment, combine cpf need to have around S$66k and also a few thousands dollars cash for legal and stamp fees.

20% downpayment?

if it is sold through sale of balance exercise, it will count as a new flat, right?

if you take a loan from hdb, this is the information given on their website:

If you are taking a housing loan from HDB or if you are not taking any loan, you have to pay 10% of the purchase price of the flat as downpayment. You can use your CPF savings to make the downpayment. If your CPF savings are not enough, you will have to pay the balance in cash.

the legal, stamp fees have to be taken into consideration, yes... but shouldn't be a 20% downpayment unless you are taking loan from bank.

 

[night86mare]

link

http://www.hdb.gov.sg/fi10/fi10321p.nsf/w/BuyingNewFlatDownpaymentnewflat?OpenDocument

 

[Numnumball]

I used to drive 1 1/2 hours to get to work every day, I think sitting in 1 1/2 hours in public transport would be more relaxing

Haa.. i think in SG if travel even from one end to another dun need 1 1/2 hr la :sweat:

 

[Numnumball]

but we worked crazily every school day.

oh.. so there'sa tradeoff.. got ur got skul holis mah..

 

[Numnumball]

If you lucky kena a new flat under en-bloc in mature estate, a 4 room flat will cost around S$360k and higher floor will cost more. Minus away 1st timer grant and need to pay 20% down payment, combine cpf need to have around S$66k and also a few thousands dollars cash for legal and stamp fees.

Wah Leong, tis is exactly what i went through when i first got my flat 3 and 1/2 years back. But downpayment is 10% not 20%.. My place is sceduled for en-bloc and will shift soon (end next year) .. i end up paying abt 20K in cash aft deducting CPF..

But norm if a flat is kena en bloc, ex owner will not let go on the cheap and there's a window period where they allow u to buy/sell. But i got mine not so ex, so nt bad

 

[Numnumball]

20% downpayment?

if it is sold through sale of balance exercise, it will count as a new flat, right?

if you take a loan from hdb, this is the information given on their website:



the legal, stamp fees have to be taken into consideration, yes... but shouldn't be a 20% downpayment unless you are taking loan from bank.

Yah... if u take a loan from HDB, there's a one time concessionary interest rate offered by them for first time buyers, which is much much lower than what u gg to get from banks.

 

[Leong23]

Wah Leong, tis is exactly what i went through when i first got my flat 3 and 1/2 years back. But downpayment is 10% not 20%.. My place is sceduled for en-bloc and will shift soon (end next year) .. i end up paying abt 20K in cash aft deducting CPF..

But norm if a flat is kena en bloc, ex owner will not let go on the cheap and there's a window period where they allow u to buy/sell. But i got mine not so ex, so nt bad

Lol, I think I remember wrongly, luckily my nightmare is over liao.

 

[mojopy]

ewww....
macro in un-natural setting.
how can :dunno: ;(

 

[night86mare]

Lol, I think I remember wrongly, luckily my nightmare is over liao.

my nightmare has to start soon :bsmilie:

 

[Leong23]

ewww....
macro in un-natural setting.
how can :dunno: ;(

:dunno::dunno::dunno:

 

[Leong23]

my nightmare has to start soon :bsmilie:

Still got renovation, furniture and electrical household.

 

[mojopy]

:dunno::dunno::dunno:

dunno where is that dragon perched on.
some transparent looking sheet that looks a bit like bubble wrap. :thumbsd: