P
pg
Guest
My email is [email protected]
Seems like im the only one staying in blk 10. Got any neighbours same blk as me???
Seems like im the only one staying in blk 10. Got any neighbours same blk as me???
Park Green
- Thread starter heroin
- Start date
A
ah eng
Guest
Hey all,
the updated summary had just been sent to all!
the updated summary had just been sent to all!
A
ah eng
Guest
Glad to see another neighbour!
Why do u feel con about ur loan? Wanna share ur experience? Wld like to be in our mailing list?
Why do u feel con about ur loan? Wanna share ur experience? Wld like to be in our mailing list?
you see, citibank's loan locks you in for 3 years, and the third year rate is flexi. basically, i'm at the mercy of citibank, cause whatever board rates they set, i can't get out till after the lock-in period.
i sort of regretted not taking up OCBC's package, but it's kinda late now to talk about it, as i've already signed on the dotted line.
sure, it's great to be on your mailing list, depending on what you send me ha ha.
btw, anyone know of any cheap (but good) lighting contractor?
i sort of regretted not taking up OCBC's package, but it's kinda late now to talk about it, as i've already signed on the dotted line.
sure, it's great to be on your mailing list, depending on what you send me ha ha.
btw, anyone know of any cheap (but good) lighting contractor?
A
ah eng
Guest
Mobe540
take up liao...better dun think too much ....look forward to ur hse instead!
why dun u give me ur email contact first ..then i decide wat to send u ...heeheee
i know my hubb knows someone doing lights ...remember he mentioning to get this guy to do for our new house? ..u interested?? but i dunno if he is cheap...hehee
take up liao...better dun think too much ....look forward to ur hse instead!
why dun u give me ur email contact first ..then i decide wat to send u ...heeheee
i know my hubb knows someone doing lights ...remember he mentioning to get this guy to do for our new house? ..u interested?? but i dunno if he is cheap...hehee
P
pg
Guest
Anyone heard of AT Design? I went to Singapore Expo during the weekends, and their sales people approached me and my bf. Seems like not pushy at all. Reasonable prices too.
I dunno if i shld get a contractor who can manage everything for renovation for me, or shld i get contractors for lightings, carpentry, etc.
I dunno if i shld get a contractor who can manage everything for renovation for me, or shld i get contractors for lightings, carpentry, etc.
hello all,
lightings, dun worry lah. now wat u need to do is have a concept. check out how many power points u want. agar agar the area where your electrical points are being used. end of this year then we consolidate the contractors we know.
From there, we get the best offer.
Why dun we have a checklist what we should get for the house? Let me contribute five essential things
1) Sofa
2) Fridge
3) washing machine
4) Dining Tables and Chairs
5) TV
Over to u guys.
Mobe540, dun worry abt the loan.
Citibank's rate will be more or less close to the board rate in the market.
lightings, dun worry lah. now wat u need to do is have a concept. check out how many power points u want. agar agar the area where your electrical points are being used. end of this year then we consolidate the contractors we know.
From there, we get the best offer.
Why dun we have a checklist what we should get for the house? Let me contribute five essential things
1) Sofa
2) Fridge
3) washing machine
4) Dining Tables and Chairs
5) TV
Over to u guys.
Mobe540, dun worry abt the loan.
Citibank's rate will be more or less close to the board rate in the market.
A
ah eng
Guest
PG,
my hubb plans to have diff pple to do all the diff functions. But personally i prefer one contractor to do all cos it will be easier to co-ordinate.
Longmarch,
I can only think of another common essential thing ie bedroom furniture for the master bedroom. The rest are more customised to our needs. For eg, I am planning to do a platfrom for my kids' room.
Somehow, I still feel tat it is difficult to imagine w/o the unit's floorplan ....
my hubb plans to have diff pple to do all the diff functions. But personally i prefer one contractor to do all cos it will be easier to co-ordinate.
Longmarch,
I can only think of another common essential thing ie bedroom furniture for the master bedroom. The rest are more customised to our needs. For eg, I am planning to do a platfrom for my kids' room.
Somehow, I still feel tat it is difficult to imagine w/o the unit's floorplan ....
P
pg
Guest
Let me contribute my share of things to get for our homes. Missylan, I will add on to your list, and will see from what we need for each room:
Living Room:
1. TV
2. TV console
3. Sofa
4. Coffee table
5. Side table
6. Shoe Rack
7. Dining table and chairs
8. VCD/ DVD player
Master Bedroom:
1. Bed
2. Side tables (2)
3. Dresser table
4. TV (smaller one)
Kitchen:
1. Fridge
2. Washing Machine
3. Microwave oven
4. Electric oven (for baking)
5. Rice cooker
Study room:
1. Sofa bed
2. Study table with chair
3. Book shelves
Guest room:
1. Bed
Living Room:
1. TV
2. TV console
3. Sofa
4. Coffee table
5. Side table
6. Shoe Rack
7. Dining table and chairs
8. VCD/ DVD player
Master Bedroom:
1. Bed
2. Side tables (2)
3. Dresser table
4. TV (smaller one)
Kitchen:
1. Fridge
2. Washing Machine
3. Microwave oven
4. Electric oven (for baking)
5. Rice cooker
Study room:
1. Sofa bed
2. Study table with chair
3. Book shelves
Guest room:
1. Bed
Wah PG, quite a comprehensive list!
Instead of getting two ovens, can consider getting a microwave oven that has baking function. Saw quite a few models at Best Denki, slightly more ex than a microwave, about $500. But can save space lah..
Hey mobe540, i am currently taking a citibank loan too. Thought it's quite ok? I took it cos of the 1% cash rebate, and the checking account idea. Anyway, if you are not happy with the service, can change bank after 3 years. Dun think there is a penalty if you want to change bank.
hmmm, can we use the floor plan in the sales booklet to plan for our renovation? Or there will be a more confirmed floor plan later. Want to start planning for renovation too.
Instead of getting two ovens, can consider getting a microwave oven that has baking function. Saw quite a few models at Best Denki, slightly more ex than a microwave, about $500. But can save space lah..
Hey mobe540, i am currently taking a citibank loan too. Thought it's quite ok? I took it cos of the 1% cash rebate, and the checking account idea. Anyway, if you are not happy with the service, can change bank after 3 years. Dun think there is a penalty if you want to change bank.
hmmm, can we use the floor plan in the sales booklet to plan for our renovation? Or there will be a more confirmed floor plan later. Want to start planning for renovation too.
A
ah eng
Guest
Sakura,
cannot use the sales booklet floor plan for the contractor to do his measurements. Can only use as an estimate. Tat floor plan is not drawn to scale. Somemore the actual unit might come out to +/- 10% difference in size.
cannot use the sales booklet floor plan for the contractor to do his measurements. Can only use as an estimate. Tat floor plan is not drawn to scale. Somemore the actual unit might come out to +/- 10% difference in size.
A
ah eng
Guest
Dun think that the sales booklet floor plan can be for a contractor to start on designing or planning. More for ourselves to do estimated planning.
According to my law firm, the end prdt can be +/-10% in size of our S&P agreement.
According to my law firm, the end prdt can be +/-10% in size of our S&P agreement.
hi guys
there is a clause in the T&C if we are shortchanged, they have to pay us the difference.
There is an acceptance Criteria - I think the percentage is specified.
As for Floor Plan, I think we can request from the developer. I m sure they have it. Dun know
whether must pay.
there is a clause in the T&C if we are shortchanged, they have to pay us the difference.
There is an acceptance Criteria - I think the percentage is specified.
As for Floor Plan, I think we can request from the developer. I m sure they have it. Dun know
whether must pay.
PG, tat's all I can afford
Living Room:
1. TV - ok
2. TV console - will get a rack
3. Sofa -ok
4. Coffee table - ok
5. Side table - good to have
6. Shoe Rack - ok
7. Dining table and chairs - must have
8. VCD/ DVD player existing
Master Bedroom:
1. Bed - must have
2. Side tables (2)- one i think enough
3. Dresser table - good to have
4. TV (smaller one) - good to have
Kitchen:
1. Fridge - must have
2. Washing Machine - must have
3. Microwave oven - good to have
4. Electric oven (for baking) - good to have
5. Rice cooker - must have
Study room:
1. Sofa bed - good to have
2. Study table with chair - - must have
3. Book shelves - must have
Guest room:
1. Bed - existing
Living Room:
1. TV - ok
2. TV console - will get a rack
3. Sofa -ok
4. Coffee table - ok
5. Side table - good to have
6. Shoe Rack - ok
7. Dining table and chairs - must have
8. VCD/ DVD player existing
Master Bedroom:
1. Bed - must have
2. Side tables (2)- one i think enough
3. Dresser table - good to have
4. TV (smaller one) - good to have
Kitchen:
1. Fridge - must have
2. Washing Machine - must have
3. Microwave oven - good to have
4. Electric oven (for baking) - good to have
5. Rice cooker - must have
Study room:
1. Sofa bed - good to have
2. Study table with chair - - must have
3. Book shelves - must have
Guest room:
1. Bed - existing
A
ah eng
Guest
Missylan,
ur title deed will show the actual floor area ......when the proj is completed.
ur title deed will show the actual floor area ......when the proj is completed.
With regards to my msg regarding the
air-con.
I think we can disregard the inverter system
which the agent julian told my friend.
From wat I know there are only 3 players
i the inverter market - Mitsubishi
Toshiba and LG.
If PArk Green is using Daikin then it will not be an inverter system
air-con.
I think we can disregard the inverter system
which the agent julian told my friend.
From wat I know there are only 3 players
i the inverter market - Mitsubishi
Toshiba and LG.
If PArk Green is using Daikin then it will not be an inverter system
Hi,
As this is the first time, we have our own house and will be doing all these renovation stuffs. I would like to know at least how much will be needed for some minor renovation and buying of furnitures?
Living Room:
1. TV - getting flat screen 37" or 42" those hang on the wall
2. TV console - 2 small on each side
3. Sofa - a must
4. Coffee table - a must
5. Side table -
6. Shoe Rack - build in
7. Dining table and chairs - a must
8. VCD/ DVD player - a must
Master Bedroom:
1. Bed - custom made bigger size- can flip and flap
2. Side tables (2)- dun need
3. Dresser table - no need
4. TV (smaller one) - don't want (sleeping got radiation not good)
5. Door - custom made door
Kitchen:
1. Fridge - must have
2. Washing Machine - must have
3. Microwave oven - good to have (conventional)
4. Rice cooker - must have
5. Some hacking, open concept kitchen
Study room:
1. Sofa bed - no need
2. Study table with chair - - must have
3. Book shelves - must have
4. Wall to be hacked, glass replace- must get permission
Guest room:
1. Bed - existing
2. wardrobe
3. Door - custom made door
Master room:
Bathtub - will be removed, jacuzzi tub
Lights etc, curtains, bath accessories etc.... How much is enough? We are now saving up for renovation and furnitures....
Headache...........
As this is the first time, we have our own house and will be doing all these renovation stuffs. I would like to know at least how much will be needed for some minor renovation and buying of furnitures?
Living Room:
1. TV - getting flat screen 37" or 42" those hang on the wall
2. TV console - 2 small on each side
3. Sofa - a must
4. Coffee table - a must
5. Side table -
6. Shoe Rack - build in
7. Dining table and chairs - a must
8. VCD/ DVD player - a must
Master Bedroom:
1. Bed - custom made bigger size- can flip and flap
2. Side tables (2)- dun need
3. Dresser table - no need
4. TV (smaller one) - don't want (sleeping got radiation not good)
5. Door - custom made door
Kitchen:
1. Fridge - must have
2. Washing Machine - must have
3. Microwave oven - good to have (conventional)
4. Rice cooker - must have
5. Some hacking, open concept kitchen
Study room:
1. Sofa bed - no need
2. Study table with chair - - must have
3. Book shelves - must have
4. Wall to be hacked, glass replace- must get permission
Guest room:
1. Bed - existing
2. wardrobe
3. Door - custom made door
Master room:
Bathtub - will be removed, jacuzzi tub
Lights etc, curtains, bath accessories etc.... How much is enough? We are now saving up for renovation and furnitures....
Headache...........
A
ah eng
Guest
Missylan,
WAH!!! U have so many plans for hacking .....think the renovations is going to cost u a bomb!!! Hacking and rebuilding is the most expensive portion of renovations and tat is why resale flats renovations cost are higher than new ones ....
I am planning to save $15k for simple renovation already.....*head swelling* ...heheee
note : no need to get bathroom accessories. Those towel handles, mirrors, etc are all provided!
WAH!!! U have so many plans for hacking .....think the renovations is going to cost u a bomb!!! Hacking and rebuilding is the most expensive portion of renovations and tat is why resale flats renovations cost are higher than new ones ....
I am planning to save $15k for simple renovation already.....*head swelling* ...heheee
note : no need to get bathroom accessories. Those towel handles, mirrors, etc are all provided!
P
pg
Guest
Hi
When I saw Missylan's plans for hacking, I was thinking to myself. Actually initially I also wanted an open-concept kitchen and jaccuzzi bathtub. Sigh.... with all the wedding preparation costs, we have to tighten our budget, so we have to do what is really necessary. We would still have my L-box for lightings, cos I felt tat the correct lightings can do wonders to the house.
Today I got to go back to office to work. So ku3 ming4!
When I saw Missylan's plans for hacking, I was thinking to myself. Actually initially I also wanted an open-concept kitchen and jaccuzzi bathtub. Sigh.... with all the wedding preparation costs, we have to tighten our budget, so we have to do what is really necessary. We would still have my L-box for lightings, cos I felt tat the correct lightings can do wonders to the house.
Today I got to go back to office to work. So ku3 ming4!
A
ah eng
Guest
Actually I do have an existing bathtub at home. Was bought so that i can enjoy soaking time during bathtime. Now it is meant for my kids' fun. Before buying PG, i was still telling my hubb that our new house will not hv a bathtub (its tiring to wash tat!!) and now tat PG comes wif it, I told my hubb that the bathtub to be for display only ...hahaaa!!
PG,
wat's a L-box .....me very sua ku
PG,
wat's a L-box .....me very sua ku
P
pg
Guest
An L-box is quite similar to cornices at the edges of the ceiling, except that it is simpler in design. It resembles a simple photo frame with lights on them when you look up the ceiling.
Wah, these few weeks' weather is really horrifying. Feel like falling sick everytime I go out to have my lunch.
Wah, these few weeks' weather is really horrifying. Feel like falling sick everytime I go out to have my lunch.
A
ah eng
Guest
i think i know wat u mean ....i had it at my present house too .....but for the new unit, my hubb is looking at false ceiling ....
i m lucky to have a collg who drives ...so lunch tpt is no problem ...no need to walk ....so tummy showing but skin not suffering from the sun...heheee
i m lucky to have a collg who drives ...so lunch tpt is no problem ...no need to walk ....so tummy showing but skin not suffering from the sun...heheee
hi Sakura, citibank's giving 2% cash rebate at the moment, so i'm one up on you!!! anyway, i know you can change banks after 3 years , but as you know, only the 1st 2 years are fixed rates. the 3rd will fluctuate according to the board rates the bank sets. so how? citibank can kill you in the third year, and i will suffer the same fate as all citibank loaners.
so i see all of you have started a list of to-buy household items...maybe i can come up with one list that tells you what NOT to buy.
here's it!
1. Crocheted toilet paper covers
2. blow up furniture
3. wine coolers
4. salad spinners
5. g-string sanitary towel
6. rocking chair
so i see all of you have started a list of to-buy household items...maybe i can come up with one list that tells you what NOT to buy.
here's it!
1. Crocheted toilet paper covers
2. blow up furniture
3. wine coolers
4. salad spinners
5. g-string sanitary towel
6. rocking chair
Mobe,
i understand that the third year rate could be high but say 2 percentage point more. how much
do u have to pay for interest. dun u have the cash rebate which is enough to pay back the interest?
If u r alowed a partial payment say during TOP, the principal amount will decrease thus third year interest rate how high they set will not
affect you.
Do u see it?
Cheers, mate.
i understand that the third year rate could be high but say 2 percentage point more. how much
do u have to pay for interest. dun u have the cash rebate which is enough to pay back the interest?
If u r alowed a partial payment say during TOP, the principal amount will decrease thus third year interest rate how high they set will not
affect you.
Do u see it?
Cheers, mate.
P
pgsengkang
Guest
I agree with Longmarch with the rates. btw, by looking at all bank loans. OCBC is one of the lowest rate.
I took up OCBC as it's a local bank.
Other banks ABN or Maybank offer quite attractive rates but not interested.
Btw, have u guys taken up any mortgage protector or assets insurance. An guys here in insurance, can help. Thanks.
I took up OCBC as it's a local bank.
Other banks ABN or Maybank offer quite attractive rates but not interested.
Btw, have u guys taken up any mortgage protector or assets insurance. An guys here in insurance, can help. Thanks.
P
pgsengkang
Guest
I meant any guys into insurance?
Shall we start the ball rolling?
Shall we start the ball rolling?
A
ah eng
Guest
I have checked with UOB Assurance an estimate premium to pay for a $350k coverage for 20 years (last 4 years is premium-free) and they est that the annual premium to be paid is around $550. This mort ins pays only when one owner had TPD or death. Any comments??
P
pg
Guest
I bought mortgage insurance to cover my loan amount. Think I kiasu a bit, cos I'm basically an "insurance" person. I once told my mum tat she's the beneficiary of all my insurance policies, except for the mortgage insurance policy. I see insurance as a form of savings, something which forces me to put aside a sum of money every month.
I might be re-financing my bank loan in few years' time. Cannot stand my bank's service anymore. Just going to tahan them for few years.
I might be re-financing my bank loan in few years' time. Cannot stand my bank's service anymore. Just going to tahan them for few years.
I think it's pointless to refinance since the interest rates are rock bottom. people refinance
because they are paying interest rates about 4-5%
and the new bank gives them maybe 2.5% for 1st year for the new contract.
In our case, after two years refinance will be
pointless. moreover look at our third year
rate, switching to another bank is pointless.
because they are paying interest rates about 4-5%
and the new bank gives them maybe 2.5% for 1st year for the new contract.
In our case, after two years refinance will be
pointless. moreover look at our third year
rate, switching to another bank is pointless.
thanks for the advice long march, but i was just doing some mental calculations in my head, an extra 2 percentage points can translate to several hundred dollars more in my monthly instalments. but hey, i'm already stuck in this, so might as well learn to live with it.
btw, i believe NTUC Income home insurance plans are still very good.
PGSengkang: you buying Income?
btw, i believe NTUC Income home insurance plans are still very good.
PGSengkang: you buying Income?
A
ah eng
Guest
mobe540,
where to get more info about NTUC home insurance plans?
where to get more info about NTUC home insurance plans?
P
pg
Guest
i tink it's better to buy mortgage insurance from the bank you took the mortgage loan from.
im looking at re-financing from 4th year onwards.
im looking at re-financing from 4th year onwards.
ah eng, you can get the info from the website...
www.income.com.sg/insurance/home
there are basically 2 loans you have to take:
1> a mortgage protection plan, which is compulsory
2> and a home insurance plan for protection against fire, theft, etc. This is optional
www.income.com.sg/insurance/home
there are basically 2 loans you have to take:
1> a mortgage protection plan, which is compulsory
2> and a home insurance plan for protection against fire, theft, etc. This is optional
P
pgsengkang
Guest
It is not mandatory to take up a MPP with the bank u took the loan.
Cheers
Cheers
A
ah eng
Guest
mobe540 ....thanks for the info ..will chk it out.
so PGsengkang is Andrew har ??? kekeke...
so PGsengkang is Andrew har ??? kekeke...
A
ah eng
Guest
A
ah eng
Guest
so Longmarch is Andrew!!!...heehee