Champions Court @ Woodlands - BTO

Ling.. i PM u liao.. take a look lah.. wondering if u r my direct bottom floor neighbour..hehe.. wats ur q no for flat tat time?? we actually hesitating whether to get 6th floor or 7th floor tat time.. hehe.. :p

end up getting 7th floor..
 


<table border=1><tr><td>4-Room - 224 units / 1282 applicants</TD><TD></TD><TD> </TD></TR><TR><TD>Nick</TD><TD>Selected Block</TD><TD>Selected Unit No. </TD></TR><TR><TD>Keith</TD><TD>-</TD><TD>- </TD></TR><TR><TD>ahkiam</TD><TD>570C</TD><TD>#13 </TD></TR><TR><TD>thesupergirl</TD><TD>570C</TD><TD>#10 </TD></TR><TR><TD>Ryan</TD><TD>570C</TD><TD>#12 </TD></TR><TR><TD>jugem</TD><TD>-</TD><TD>- </TD></TR><TR><TD>Alicia</TD><TD>570C</TD><TD>#11 </TD></TR><TR><TD></TD><TD></TD><TD> </TD></TR><TR><TD></TD><TD></TD><TD> </TD></TR><TR><TD></TD><TD></TD><TD> </TD></TR><TR><TD>5-Room - 185 units / 978 applicants</TD><TD></TD><TD> </TD></TR><TR><TD>Nick</TD><TD>Selected Block</TD><TD>Selected Unit No. </TD></TR><TR><TD>Kef</TD><TD>571B</TD><TD>#09 </TD></TR><TR><TD>tweetygal</TD><TD>572B</TD><TD>#15 </TD></TR><TR><TD>Pebbles</TD><TD>571B</TD><TD>high floor </TD></TR><TR><TD>dreamy</TD><TD>571A</TD><TD>#10 </TD></TR><TR><TD>yanting chen</TD><TD>571B</TD><TD>#06 </TD></TR><TR><TD>Shi Hui</TD><TD>572A</TD><TD>#06 </TD></TR><TR><TD>CH</TD><TD>572B</TD><TD>#07 </TD></TR><TR><TD>Ling</TD><TD>572B</TD><TD>#06 </TD></TR><TR><TD></td></tr></table>
 
Yea generally tied down from guys means getting tied down for marriage.

but this case, i'm more concerned about the loan than the married status lar.

if not ready, won't apply HDB liao lor.

Having said that, just to share a few tips around abt loans.

as you save up now, if you find that the amount you saved up is not really enough for reno + furnishing, consider this:

1. Do a lump sum of your furnishing and see whether can you break it down into 12 months interest free instalment payment and pull through.

General tip is that it should not be 50% of your take home pay. 20-30% is a good guide to do the financing part for furnishing IMO.

2. For renovations, if you do not have enough money, consider this. take whatever you had saved, divide it into half. used 1 half to pay the reno cost and loan the remainder.

for the other half, look at investment tools that can help offset the renovation loan's interest for the next 4-5 years period.

in this way, you are also kind of paying it off via interest free instalments.

however, there are risks involved in both methods. It depends how high/low is your risk appetite.

this is just my opinion about it, i'm not some finance experts and i believe there are more expert people out there. thus, this might not be a 100% foolproof plan.
 
if e flat is ready in 2 yrs...then i might not have enough money to do my desired reno...cuz i was planning 3 yrs...2012 last qtr...haha...den probably will adopt ryan's kinda planning...cuz i dun wish to spend all my cash and be left with nothing...v dangerous somehow...later suddenly need money den no money...

3 room and SA selection like quite fast...already like 20 units gone...
 
wow YC sounds like gd n with reasonable pricing.. but dunno whether it will still remain like that by the time im planning for my wedding.. haha..

wa ryan, nt bad, u have done your maths! hmm, im alwaz sceptical abt investment though.. cos i believe that unless the capital that u have r "real" excess cash and u watch your own investments very closely, if nt i wont want to put the money into investment.. heehee mayb my risk appetite is very low.. but thats wat i learnt fr some economist analysts books..
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Yanting>> for us.. we also hvnt cmf a date for our AD.. all will wait after my ROM.. bt then again.. the package i c fm YC is open date 1.. so if i sign nw.. might b cheaper compare to signing in 1 or 2 yrs later..

so after considering.. might as well sign nw coz eventually gota get it also mah..hehe.. mst impt is open date 1 lor..
 
yanting> yeap you're right. it depends on perspective. ultimately, when investing, need to bear in mind that you can lose every single cent bah.

There are other things which are less volatile and requires lesser monitoring. So it's up to individual to do their homework on it lor. Nothing is free in this world.

Kef> they've been kept waiting for very long liao bah... too much 4-5room action fired them up maybe.
 
cecilia> ya, actually that time b4 we booked our flat, i was also thinking if we get a flat this time round, mayb cn start "shopping" for BS package already, cos nw recession mayb cn squeeze more freebies.. heehee.. n 1-2yrs later sure even more expensive.. inflation
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but aft we got flat, been very busy, then totally havent do anything yet.. haha.. btw, once sign, usually how much deposit we need to pay?..
 
CH> For my BS, wen i sign, i paid $500 deposit. I signed in late 2008, AD mar 2010, ROM mar 2009. My sis sign wif me together, her AD &amp; ROM oct 2009, she paid $800 deposit. I tink for deposit, mayb u can neg wif BS since u still dunno ur AD yet.

U all gotta really do ur homework, or else like wat ryan says, hope the BS doesnt close shop. Go to the BS itself &amp; look at their gowns. Decide on wat u r looking for, eg, emphasis on album, gowns, service, etc. Den go from there. Some BS has "unique" designs for their gowns, some BS has different album-style, i noe signoria's album is more emphasis on fairytale kind.
 
haha, my plan was to go to bridal fairs and walk walk see see.. do my homework, n get a rough feel of wat the various BS are offering.. then after that cn go back discuss discuss, then narrow down to a few that we like, then go down to the BS itself to get a better feel of the gown designs that they offer..
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thats the luxury of still having lotsa time at hand.. haha..
 
CH> BS is bridal shop. My BS is MyBridalRoom:
Bride
1 x Bridal Gown (OTR)
1 x Evening Gown (OTR)
1 x Tea Dress/Kua
Include veil &amp; can-can
Include accessories

Make-up &amp; Hairstyle
1 x trial
1 x studio
1 x actual morning
1 x actual dinner
Fresh bouquet &amp; 6 corsages

Bridegroom
2 suits with pants (OTR)
2 jackets for In-Law
Tie
Car deco &amp; ribbons for accompanying cars

Photograph
12 x 15 ¨C 30 pcs with album (Full + Digital)
5 x 7 ¨C 22 pcs with mini album (5R) (dup)
4 x 5 ¨C 24 pcs (6 ¨C 8 pose) (dup)
8R (1 pcs table-top) (dup)
20 x 24 ¨C 1 pcs canvas with frame or 3-in-1 with frame (dup)
CD Rom selected photos only (5R)

Photograph ¨C Indoor &amp; Outdoor
Bridal make-up &amp; hairstyle (5 gowns &amp; 5 hairstyles)
Bridegroom (matching man suits)
Fresh bouquet
Outdoor transport provided

Additional items
ROM dress &amp; groom suit can borrow if available (no extra charges)
Bridesmaid dress can borrow if available (no extra charges)
Add $680 for Actual Day Photographer
Add $880 for Actual Day Videographer (AD VG have to leave at 1pm to do montage, AD VG will go hotel abt 7pm)
Add $300 for video montage
Add $100 for photo montage

Extra charges
Bride make-up before 7am ¨C $30/hr
Chauffeur before 7am ¨C $30/hr
Photographer before 7am ¨C $30/hr
Different day make-up ¨C $80
Ampoule (per bottle) ¨C $25
Eyelashes (per pair) ¨C $15

The items &amp; price listed are my package price, now i dunno they got increase in price or not. But u jus use it as guide. My BS doesnt include bridal car.

yanting> Usually bridal fairs their BS all very "snatching" de, means tat once u approach near their counter, they will "pull" u &amp; "psycho" u, so it's best to do homework 1st b4 gg down. Coz very frequently, once a couple gets pulled in, they will be very hard to get out. Best is if u dun go wif ur bf, instead go wif another fren, so tat u can haf the excuse to tell BS ppl tat u need to discuss wif bf b4 deciding.
 
CH> My package is $3388. There's another package wich costs $3988, where either the WG or EG is MTM &amp; the album is different. My album is part digital &amp; part full page, the $3988 package i cant remb is full digital or full page. But if my package ($3388) i 1 2 MTM 1 gown, i add another $300 for it.
 
wah very informative... i almost see stars when i start thinking about all those things that need to be done.

quite difficult to imagine the amount of work and considerations.

out of curiousity, is it more expensive to have like an overseas photoshoot with an overseas BS and then 1 BS in sg to provide the gown and stuff like that for ROM &amp; actual day?

anyone tried exploring that before?
 
Ryan> Of coz overseas BS more ex, but coz sg too small, so nowadays i noe a lot of ppl go overseas for PS (photoshoot). Many ppl oso sign up package in JB, wich my husband did ask me abt signing in JB b4, but i told him since his work schedule is so unfixed, it'll be so difficult for me to liase wif the BS in JB &amp; he wont haf enuff time to drive me in &amp; it'll be dangerous for me to go alone. So i'd rather haf a package in sg, where as &amp; wen i like or need to, i can pop by myself, w/o him to accompany me at all times. =) And there's now a no. of BS from taiwan opening a branch in sg, so u gotta find out more. Usually if u email the BS for package, they will email to u, but will be the more basic package. From there u do the neg &amp; try to get as many items &amp; poses as possible. But remb tat BS in JB, i tink u gotta find ur own MUA (make-up artist), not sure whether they provide coz it's over the causeway. For my package, i had a free ROM package wich consist of 1 OTR ROM gown too. So i find tat tis BS is gd, esp their services. =) I tink JB BS has altogether 7 or 8 gowns for PS, &amp; abt 4 or 5 gowns for AD (actual day). For my BS, i had altogether 5 gowns for PS (1 AD WG, 1 AD EG, 1 Outdoor Gown, 1 PS EG &amp; 1 traditional gown). But they r quite flexible, as in if u dun 1 the traditional gown, u can choose another PS EG.
 
alicia> wa.. your package seems like can fight with YC one wor.. but when did you sign yours? muz go see whether they got increase price anot..

ryan> i think it will be troublesome to go for JB BS.. my bro ever considered that before too.. but in the end chose a local one, cos he say sometimes got to negotiate a few times, gown fittings, PS, blah blah, will be a big headache if u have to go in n out and alwaz jam.. my fren said her fren used a JB BS, in the end the make up artist was abt 2hrs late!! almost cannot finish with the make up in time.. then she claimed she cant find her way! if its me, think i will faint with such last min stress on my big day wor..
 
thanks for the info ladies.

my thought is like what alicia had mentioned actually.

That is to go taiwan for PS and use a local BS for the remaining things needed such as gowns/suits for actual day, ROM and such.

what are your thoughts about that?

Actually i think there is a lot of info at other parts of the forum but i think i am lazy to go find. :D pardon my laziness.

I'm not keen on those who are already setting up bases here though. I will need to make a few calls to taiwan and sort it out, get some friends to recommend a more local and cheaper alternative there.

getting married in taiwan is half the price of SG and their BS is very good at making you look like a celeb in PS.

I stayed in taiwan for a while so I saw their works before :D

To me the part in taiwan is not a big issue but more interested to find out how it works for here locally as in my requirements for the local BS. will they chop me like a carrot if i don't take up PS portion with them?
 
we too tought of gng overseas for PS.. gota c hw after our ROM 1st lor.. will only plan for customary wedding after ROM..

so Ryan.. when u decid to hv ROM??
 
Ryan> If tat's the case, u can actually go ala-carte on ur BS package locally. But ala-carte to me is more ex than a complete package wif PS. But u can still go ard the BS in sg &amp; check out their ala-carte prices.
 
I was also thinking of either taiwan or china...because they have nicer sceneries than SG...China is very cheap and got the oriental feel which i like...haha... but need to have contacts there else easily got conned.
 
alicia> haha, i cant remember le, saw the package on their website aft CH mentioned they r nt bad.. then when i saw wat u have in your package, it juz rings a bell lor..
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wa.. the in thing nw is to go overseas for PS rite?.. but dun think i will spend that type of money la.. anywayz u nt going to look at the PS everyday ma, so no pt.. to me, having a PS is more of wanting to capture the moment, so no need to overspend.. rather keep it for other things..
 
my bf also actually wana go overseas take PS too.. bt i also find tat is abit too exp lor.. really.. rather kip the $$ and spend on others lor.. hehe.. :p

hey seems like 3 roomers and SA also v good response leh.. taking also quite fast.. ard 40+ takings for both liao..
 
yanting> haha! Ya lor, i oso dun intend to spend too much on BS. And u gotta noe tat BS usually earns wen u top-up the no. of poses. Meaning tat if in their package, they gif u 25 poses, after ur PS, wen u go choose photos fr them to edit &amp; print in album, if u chose more than 25 poses, they charge u a fee on each additional pose u select, so it can add up o a lot of $$. Tat's y it's best if u can neg for more poses wen u signing up the package.
 
alicia> ya, i know.. i heard fr 1 ex-colleague who went for ala-carte, then his wife choose until gotta pay extra $2k! faint! then last nite i heard from another fren, she told me her fren paid extra $5k!! super faint!! $5k cn buy quite a gd quality bed liao.. so i rather spend on a gd bed which u slp on every nite, rather then a photo album that mayb u wont even look at it yrs down the road..
anyone knows whether any BS will give u back all the unedited photos on CD-ROM?.. my fren got it, but i dunno whether is it cos the BS belongs to her far fetch relatives..

CH> wa! take up rate so gd ah! yeh!! means they will start building soon!! haha..
 
yanting> If i'm not wrong, some BS will gif u the no. of poses/photos tat u selected in ur album in cd-rm, unedited. Like eg, ur package states 25 poses, so tis 25 pics u chose from ur PS for ur album, they will burn in cd-rom at a specific size, eg, 5R, &amp; gif u. If u top-up ur poses/photos to a certain no., den they will gif u all the photos (unedited) back in a cd-rom. So a lot of ppl 1 2 take all the fotos, so they need to top-up a lot of $$. U noe wat i mean?
 
think mst prob for my case.. or rather the package im loking at at YC.. they are giving 30 pose.. if i dun 1 MTM, then can xchange 4 more pose.. then those photocards for us to give to relatives..if dun 1.. can xchange another 2 pose.. think i will change all that to poses lor.. if possible, can get up to 30+ pose is the best lor.. then after tat if wana add.. budget to add till max $1k bah.. hehe..

tats my plan.. bt hvnt mk a trip dwn to BS yet.. will do so mayb sometime in Aug bah..
 
Same msg means processing or ???? yesterday they receive my docs when they request last friday today approved ... very fast leh hahaha
 
ah kiam> ur docs? They sent letter to u asking for more docs? No leh, same msg means like the other time one lor: saying "we will require to see more docs..."
 
hahaha ic ... thinks yours still need to wait for awhile .... the first time i send them is all the docs dont know y they say they receive some only ... so i send them again on sat when i receive the letter from them on fri ...
 
ah kiam> Wah! Tat means they take very long to send the letter if they require more docs from us lor? Since tat time u submitted till last fri, i tink more than a mth liao rite?
 
ah kiam> wah seh! Tat means i can expect mine to come ard 20th July liao lor... =( Haiz.. So slow leh.. Last time i did HLE b4 oso, i fax the docs over, very fast approved liao leh...
 
hahaha the first time i apply HLE also very fast ... think becoz that time apply but not buying house yet thats y they r fast hehehe ....
 


my status in HLE change liao.. change to "We have received your application form and are currently processing your HLE application. We will inform you on the outcome of the application in due course."....

is different fm the earlier ones..
 
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