Park Green
- Thread starter heroin
- Start date
Fanta,
wah....$200 is so low compared to mine. How much was the original admin fee? U must have quite a bit of investment with OCBC, tat y they reduced the admin fee for u. Tat time we asked for a disct in the fee, our fren said tat they can do so only if we have some investment plans with them. So realistic!
So wat is the interest rate for ur loan?
wah....$200 is so low compared to mine. How much was the original admin fee? U must have quite a bit of investment with OCBC, tat y they reduced the admin fee for u. Tat time we asked for a disct in the fee, our fren said tat they can do so only if we have some investment plans with them. So realistic!
So wat is the interest rate for ur loan?
wow...EIG, 1st yr fixed 1%, and 2nd yr 2%, thereafter floating? that seems like a great deal! The new terms start from 2 yrs after 1st disbursement ya? (ie. mine was in April 2003)
Fanta - sms u when we get back, shdnt be too late - maybe 9+pm.
Hey Carol - how about tonite? after we go to Fanta's place? Sun & Mon evening also got something on...
Can?
Fanta - sms u when we get back, shdnt be too late - maybe 9+pm.
Hey Carol - how about tonite? after we go to Fanta's place? Sun & Mon evening also got something on...
Hi Limay,
I cannot remember whether it's floating rate after the 2nd year. The tie-in period for this new interest rate is just 1 year, and I remember asking the officer what's the rate for 3rd year onwards, she looked at me incredulously and said that there is no need to know (or something to that effect), becos basically we can refinance again after the first year. If I remember correctly, 3rd year is 3%, and thereafter, it's floating.
For me, it starts less than 2 years after 1st disbursement, becos if you are refinancing with the same bank, there's no need to wait for the 2 years to be up.
Ah eng,
Maybe you can complain to your hubby's friend and ask him to make up to you both of you for making you all pay more for the admin fee... what bank did you have your loan with? get them to give you freebies lor... kekeke.. coffee maker, vouchers also good...
I cannot remember whether it's floating rate after the 2nd year. The tie-in period for this new interest rate is just 1 year, and I remember asking the officer what's the rate for 3rd year onwards, she looked at me incredulously and said that there is no need to know (or something to that effect), becos basically we can refinance again after the first year. If I remember correctly, 3rd year is 3%, and thereafter, it's floating.
For me, it starts less than 2 years after 1st disbursement, becos if you are refinancing with the same bank, there's no need to wait for the 2 years to be up.
Ah eng,
Maybe you can complain to your hubby's friend and ask him to make up to you both of you for making you all pay more for the admin fee... what bank did you have your loan with? get them to give you freebies lor... kekeke.. coffee maker, vouchers also good...
Limay,
So sorry, I will be back home pretty late tonight leh.. but if you really want to come tonight, I can try... and provided if it's a quick "tour" cos we still be doing some unpacking after we get back... to prepare for the CNY...
If so, you and Fanta can come around 10pm or so? We'll keep it short and sweet? Anyway, there's really nothing much to see lah
, unlike Limay's beautiful chandeliers... I want to see them one of these days...
So sorry, I will be back home pretty late tonight leh.. but if you really want to come tonight, I can try... and provided if it's a quick "tour" cos we still be doing some unpacking after we get back... to prepare for the CNY...
If so, you and Fanta can come around 10pm or so? We'll keep it short and sweet? Anyway, there's really nothing much to see lah
EIG - thanks! will go fix up an appnt with OCBC..
Hey Carol, ok, so we pop by about 10pm ya? Wont be a bother lah, quick tour then we are off! Haiyah, u can come by & look see our place too..not v clean thou..hehe...still didnt get around to hiring a weekend maid yet! v slack..
Hey Carol, ok, so we pop by about 10pm ya? Wont be a bother lah, quick tour then we are off! Haiyah, u can come by & look see our place too..not v clean thou..hehe...still didnt get around to hiring a weekend maid yet! v slack..
Hey EIG - sorry, one more qtn, when did u refinance ur loan? I just spoke to OCBC & their present rates are 1.75%, 3% for 1st & 2nd year leh...not 1% & 2%...also, there is a lock in period for 3 years for the fixed rate, and 2 yrs for the variable rates (now at 1.3%, 2% for yr 1 & 2).
But better pay up somemore & refinance the rest anyways, the only way the rates are moving is up!
But better pay up somemore & refinance the rest anyways, the only way the rates are moving is up!
ah eng/fanta,
You all from TP also? My hubby from TP... U all graduate which year?
Carol/ah eng,
Pls dun pass my baby here and there leh. Quick, who wants to coax him to bed? Yesterday midnight, baby didn't sleep till 6am, confinement lady became panda liao. Must call Carol liao, prepare yourself!
You all from TP also? My hubby from TP... U all graduate which year?
Carol/ah eng,
Pls dun pass my baby here and there leh. Quick, who wants to coax him to bed? Yesterday midnight, baby didn't sleep till 6am, confinement lady became panda liao. Must call Carol liao, prepare yourself!
Carol,
okie okie...! Actually wanted to PM you separately to ask for a visit, but since you asked, I will definitely be there! On sat, around 9-10pm right? Hopefully I am back by then. Got to go to my grand-mother-in-law's place for reunion dinner on sat...sianz ah...
.. I dun really like the visiting and stuff like dat during the CNY... dun know most of the people, and hate the socialising.. anti social mah...
Limay,
I refinanced in sometime in Sep 04. Maybe you can try calling another branch to check. Make sure they know it is refinancing, and not a new loan leh...
okie okie...! Actually wanted to PM you separately to ask for a visit, but since you asked, I will definitely be there! On sat, around 9-10pm right? Hopefully I am back by then. Got to go to my grand-mother-in-law's place for reunion dinner on sat...sianz ah...
Limay,
I refinanced in sometime in Sep 04. Maybe you can try calling another branch to check. Make sure they know it is refinancing, and not a new loan leh...
Yah EIG - spoke to the call center staff, so it should be standard refinancing rates they are quoting to everyone..still have to arrange to meet someone seperately,& see if we can negotiate!
If yours it was in Sept04, then u really got excellent rates! Rememeber that there was a home loan war then and some banks were offering below 1% even.. We should have looked into it earlier, but our contract stated a penalty for early refinancing...
Carol, promise it will be chop2 later..v tired also, just want to go home n zzz...
Fanta - which Michelle Chia? the actress/Lux girl? think there is another Michelle (something) also...
If yours it was in Sept04, then u really got excellent rates! Rememeber that there was a home loan war then and some banks were offering below 1% even.. We should have looked into it earlier, but our contract stated a penalty for early refinancing...
Carol, promise it will be chop2 later..v tired also, just want to go home n zzz...
Fanta - which Michelle Chia? the actress/Lux girl? think there is another Michelle (something) also...
merci_puku
New Member
Right. She only mixes with rich man sons. Still remember there were two guys sticking with her every where she goes when she was studying at the former RI school at Grange Road.
hehe...ok. Carol - can mail me seperately ur unit no. & mobile so i can sms u before kpo-ing tonite?thanks! [email protected]
Merci,
Are you from TP too? Hey, she got 2 rich bodyguards following her wherever she goes meh?? I only know she was once with a guy called "Ray" or something like that... Quite handsome guy somemore...
She herself is not poor also mah... always got mama to send her to school and fetch her up after that...
Are you from TP too? Hey, she got 2 rich bodyguards following her wherever she goes meh?? I only know she was once with a guy called "Ray" or something like that... Quite handsome guy somemore...
She herself is not poor also mah... always got mama to send her to school and fetch her up after that...
merci_puku
New Member
Yep. I was from TP. 1st batch of InformationTech faulty. One of the bodyguards drove a benytone sports car and the other was driven to school. The two bodyguards who always wore baseball caps stuck to her like flies to candy.
But from what I can see these two bodyguards wasn't what she fancy.
Yep. Michelle stays in a terrace house and father is an accountant.
But from what I can see these two bodyguards wasn't what she fancy.
Yep. Michelle stays in a terrace house and father is an accountant.
Merci,
You from IT? That means you are the batch where final yr is in Tampines campus one lah? You know Agnes Lim? She's my ex sec sch mate...she's from IT too.
Nope, not from Biz
I'm from the Grange Road campus thou me and my friends popped down to Kim Seng quite often
What's wrong with her hair then? I dun remember... I ony remembered she used to wear jumpers to school... and her dropping out was a for an undisclosed reason and not her grades... shhh....
You from IT? That means you are the batch where final yr is in Tampines campus one lah? You know Agnes Lim? She's my ex sec sch mate...she's from IT too.
Nope, not from Biz
What's wrong with her hair then? I dun remember... I ony remembered she used to wear jumpers to school... and her dropping out was a for an undisclosed reason and not her grades... shhh....
She was being honest when she said "business is not her cup of tea"... business studies didn't suit her... and she was lucky to have left then. In the Chinese papers, she said she wanted to "concentrate on her acting career"... if not for some reasons, I think her father will prefer her to at least graduate with a biz diploma, since he's an accountant himself... is it her mother who used to be a teacher?
Oh my, think our thread has become a Michelle Chia gossip thread
Oh my, think our thread has become a Michelle Chia gossip thread
Hee, think I was too engrossed in my studies (hahaha...joke of the day)...I dun even know we've got beauty queen and wat famous model (think she's not famous enough for me *LOL*) Or maybe becos I dun hang around the campus after school, so dunno much. My clique always skip lessons