(2006) Brides of year 2006

[dubdub]

nicnic, wat is ur budget

 

[racherlle]

gals..
juz rem dun over stretch urself too much

yami ah..
then hw much are u paying a mth for ur home?

 

[greenleaf]

Hey gals, I almost dunno what is a LASIK leh...hee hee....me really moutain tortoise....

nicnic, I know 200+ there got premium flats and it is very near to ur FH's house lor at Jln Bahar....yup, all under WIS leh.....but cos we wanted a standard one cos I want all interior to be chosen by myself so I din choose the premium ones.....Premium ones if u buy liao dun like it, really a waste to hack them lor....

 

[dubdub]

ching, premium one floor can hack meh?

 

[bei]

Hi Ching,

Hehheehhe.... LASIK is to use laser and correct your eye sight and to see without the aid of glasses or lens lor....

 

[racherlle]

dub ah..
premium flooring can hack..
only toilet tiles cannot hack..
have to overlay if u dun like it..

 

[racherlle]

yami thanks for ur budget..

 

[dubdub]

ic, i saw one E flat at choa chu kang, 144 sqm, premium one, very nice and windy but very exp

 

[bugbear]

144sqm? so huge ar? ah yo...the thought of having to do hse work for such a big hse...*shrudder*

 

[dubdub]

bugbear, yup very big but very exp too, hubby and me dun have so much cpf

 

[bugbear]

how much is it? ask u hor...u bought ur house and take the ful 80% loan from bank...or u wiped out ur CPF then take the rest thru loan?

 

[dubdub]

the flat is ard $380k++. when i bought my house, i and hubby paid the 20% deposit, didnt wipe out everything ley. the rest we take loan from HDB

 

[racherlle]

dubdub ah..
usually HDB will wipe out everyting u have in ur CPF acc before they hand over the keys..

then they will lend u wat is left outstanding..
so dpend on whether u wan to pay 25 or 30 years up to u...
dub hw much u paying a mth now????

 

[dubdub]

rachelle, dun have ley, i and hubby still got money left in cpf after 20% ley. i pay 30 yrs, each month is ard $935

 

[bugbear]

Har? dubdub...i tot u say ur flat is only $290,800??

Yah lor...i just asked my friend and she say that HDB wil wipe out all ur CPF then only if not enuf, will loan from bank? How u managed to just pay 20% (CPF?)

 

[dubdub]

the $380k++ is the 144 sqm one. i just ask my hubby, he also said we only wipe out 20%, beco we still left money inside our cpf ley

 

[puiggy]

if u take fm a loan fm hdb all ur cpf monies will be wiped out n e remaining is wat they will loan to u.

however if u take a loan fm the bank, u can choose how much cpf u want use so nt necessary to wipe out cpf

hope dat helps

 

[bugbear]

ooh i c...puiggy...thanks...that also means that if u take loan from bank, the interest will be higher izzit?

 

[dubdub]

according to HDB told me, they will left 1 mth amount in our cpf, in case our a/c have insufficient fund for the first mth deduction

 

[puiggy]

it really depends on whether u r entitled to e concessional rate hdb has (currently 2.6%) or whether u r on mkt rate loan (currently 3.5%)

banks r getting more aggressive now so their rates can be quite attractive but wif a longer term outlook i prefer hdb loan to banks (onli if u get 2.6%)

 

[racherlle]

dubdub ah..
935 a mth is a lot leh!
ur hubby pay the whole instalment?

 

[dubdub]

puiggy, i agree too, i prefer hdb loan as it fixed at 2.6%, bank is floating rate

 

[racherlle]

dub ur exec is cheap hor..
my bf's sis got 1 near to Sembawang mrt..
126sqm paying 320k..

 

[dubdub]

racherlle, hubby paid more, i paid a bit lesser

 

[racherlle]

usually 1st timer will use HDB rate as it is a better rate than most banks..

 

[dubdub]

1 yr ago, my area is ard 350k-400k, but when i took that time, the price drop

 

[racherlle]

okie..
i tot ur hubby settle everyting..
then his pay muz b very high hehe

 

[bugbear]

Hhmm...ok...thanks...heheh...me just ask for info only...i already got my hse liao

 

[racherlle]

where is everyone ah?
hmmm bz????????

 

[dubdub]

no lah, the flat belong to both of us, i dun wan him to settle alone.

 

[dubdub]

seem like only 3 of us r more free. hehe

 

[dubdub]

how much u all pay for the loan mthly and how long is the duration?

 

[dubdub]

u all saw the feature couple? i also send over, wonder will it be feature or not?

 

[racherlle]

me ah..
i haven't start paying the mthly instalment yet as i've not gotten my keys yet..

have to wait till Jan 05..
but base on currently calculation, we shld only need to pay ard 400+ a mth

 

[racherlle]

yup saw the feature couple..
oh dub ah.. u mean u have to send over then they select ah? tot they were models hehe

 

[dubdub]

racherlle, is each $400 or both paid $400 each

 

[dubdub]

rach, yup, i send over but dunno will feature or not? that guy is my sec sch classmate

 

[racherlle]

dub ah..
tat means only need to pay to HDB 400+ each mth..
so my FH can cover all.. hehe
i will save mine..

 

[racherlle]

hmmm
dub ah..
maybe leh! hehehe keep your hopes high up!

 

[dubdub]

so good huh, FH cover all. i put some in invstment beco dun wan hdb to deduct so much

 

[dubdub]

rach, is okie lah, if not feature, my photographer there have chance to be feature. haha

 

[nicnic]

tks gals.

i will go hdb and see shld be able to find my ideal lovenest

 

[racherlle]

dub ah..
hehe we wanted to make sure that 1 party can pay for all.. tat's y we dun wan to get a bigger flat to have a bigger commitment..

ya i agree.. the rest of the money in CPF shld be used for investment which I have plans too..

 

[racherlle]

dub once ur website done..
let us noe ah!

 

[dubdub]

ic, my hubby and me like big big house, more spacious. as long as both working, less than 15 yrs should be able to pay off all

 

[dubdub]

no one ard?

 

[bugbear]

me ard...

Just finished reading all the posts that i missed over the past hr

Wah...Rach...u only need to pay 400+ monthly? thru CPF or cash? u wiped out ur entire CPF that time u bought ur hse izzit?

I have loads to pay off for my hse man!!

 

[bugbear]

dubdub...after paying off 20%...u only need to pay for additional 15 yrs ar? so good

 

[dubdub]

bugbear, how much u paid mthly

 

[dubdub]

bugbear, we drag it to 30 yrs, but after wat i calculate 15 yrs can pay all liao