hey gals
tom is fri already!!! meeting up... so gd some of you will be in casuals...
tom i hv presentation to do so hv to be in suit... unless i change .. haiz.. fri in suit..
Gals - Setting up a family is between you and your spouse. Dun force yourself too much especially family pushing you to have bbs while you or your hubby is not ready at all.
anna ~ erm .. i don't think marche people will like us much ... hehehe .. i know we are probably going to be the noisiest and rowdiest bunch there ... hehehehe
think we can adjourn somewhere else lah ... for those of us who have no plans after dinner ....
dinah
haha. we'll be more abhored in a smaller dessert place i am sure. esp if its at the psuedo classy durian... oh did i say durian? i meant the s-ple-nard ....read that way. remember to stress the 's'.hahaha.
Anna - Yep..I still dun have the list yet. I think Fates is bz rite now. Maybe tomorrow morning than take from her coz I cant chat w you gals in the evening.....sad.....
germ
i got worried so i called the bank. hsbc told me min is 100k... so not so bad.. think we will need to take 100k anyway...
wah...you only take 100k then must hv paid a lot a lot of cash upfront? dun think i and fh going to do tt so 100k is ok with us lor... anyway not that we hv tt much to spare otherwise can oso consider buying a landed terrace liao to save on maintenance charges...
<font color="ff0000">heee..i'm thinking what to wear tommorow. Now that Anna mentioned that she's going to be in a suit. A lot of ppl in casual clothes arh? so good.....</font>
<font color="119911">Hey, sorry to disturb arh...cos i'm doing loans also (not sales lar). I definately advise all the first time buyers to stretch the loan tenor to the max. It's also much easier to get your housing loan approved cos the bank will take in your Repayment Ability Ratio (RAR).
Interest is computed in your loan outstanding. Hence, every month, your monthly instalment consists on a Principle + Interest component.
It's ok with your monthly instalments is less than your combined CPF contributions. Whatever extra amount in your CPF account, u can always write in to the bank to make partial prepayments and pay down your loans. If not, u can also write in to shorten your loan tenor (thus increasing your monthly instalments). But to be prudent, always have a longer tenor. Cos when we are first starting out (having a home, family, etc), u never know what will crop up one...
smilez ~ yes ... jeans or three quarter pants .... hehehe .. financial sector more fussy about dress code lah ... like my FH lor ... poor thing friday still have to wear tie to work ... so when we meet in the evening, quite mismatched ... hahahaha
Fates - You must take care, we all want to see you tomorrow. After work go straight home and rest early. Dun forget to take some medicine. And also thanks about the comments. Wondering whether you got the rite one anot!!!! Hahahah
Ok gals - I off work liao. Going to gym 2nite. you gals enjoy chatting. See you gals tomorrow. Bye......