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Type: Posts; User: HalcyonVI

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    Just to add on a bit, sealants act as a 'seal'...

    Just to add on a bit, sealants act as a 'seal' between two surfaces. The sealant creates a barrier between two layers e.g. substrate and finish
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    Faced this issue sometime ago. Pest control is...

    Faced this issue sometime ago. Pest control is not an effective solution as the effect is only temporary. If there is still mould/dampness in the house, the booklice will multiply again very quickly....
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    Why don't she join CC activities? Can be good fun!

    Why don't she join CC activities? Can be good fun!
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    Yes, if you are borrowing from a financial...

    Yes, if you are borrowing from a financial institution. Technically, it's either 5% of valuation or purchase price, whichever is lower. Practically, it's what you said, 5% of valuation (I have been...
  5. Wow, $7 is super cheap!!

    Wow, $7 is super cheap!!
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    There are still a few banks like RHB and Hong...

    There are still a few banks like RHB and Hong Leong Finance that are still offering legal subsidy. They may jump on the bandwagon soon though. If you need to take up a housing loan, best to get it...
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    How about hamsters or chinchillas? Hmm, what is...

    How about hamsters or chinchillas? Hmm, what is your reason for not considering cats, dogs or rabbits?
  8. Candle-like lights come to mind. You should be...

    Candle-like lights come to mind. You should be able to find some at the balestier area or there is also a light shop at mohammed sultan last I recall...
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    The CPF Minimum Sum for 2012 is $139,000.

    The CPF Minimum Sum for 2012 is $139,000.
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    To qualify for a bridging loan, you should have...

    To qualify for a bridging loan, you should have already sold your existing place (i.e. the buyer for your place should have exercised the Option to Purchase) and you have obtained the Option to...
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    As long as your income can substantiate your...

    As long as your income can substantiate your loan, 80% should not be an issue with any bank :)
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    There is a list here...

    There is a list here http://www.fishingkaki.com/forum/viewtopic.php?t=171714&sid=0036c019c9bee7903787555d71ee8bc9 that you can also try.

    I've thinking of going to a kelong myself. Just googled...
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    happylalalpo is generally right but I know of an...

    happylalalpo is generally right but I know of an exception. The HDB flat can be sold to/bought over from your ex-spouse if there is a court order.
  14. Thread: Diablo 3

    by HalcyonVI
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    Wow, didn't think you were a D3 fan! I heard rave...

    Wow, didn't think you were a D3 fan! I heard rave reviews about it :) So what class you playing?
  15. Wah, Kitty is back! Do we need to queue to get...

    Wah, Kitty is back! Do we need to queue to get Kitty Grimace?
  16. Thread: Housing loan

    by HalcyonVI
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    Yeap, 90% financing is no longer available with...

    Yeap, 90% financing is no longer available with the retail mortgage lenders. But for those who are buying HDB and taking up HDB loan, you can still get 90% loan from HDB, if you do not have much CPF.
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    You can still get 80% financing as long as you do...

    You can still get 80% financing as long as you do not have an existing home loan. Since your HDB is fully paid-up, you can still get up to 80% financing :encouragement:
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    Correct :)

    Correct :)
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    Yeah lor .. my s-chips are still suspended after...

    Yeah lor .. my s-chips are still suspended after 3 years :grief:
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    A mortgagor is an owner of a property who agrees...

    A mortgagor is an owner of a property who agrees to pledge the property to get a home loan.
    A borrower is the person who is primarily responsible for servicing the home loan.
    A guarantor is the...
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    Here is a useful FAQ from HDB on how much CPF you...

    Here is a useful FAQ from HDB on how much CPF you can use for leasehold properties. Basically, the Minimum Lease Period (MLP) is now 30 years and the CPF that can be withdrawn depends on the property...
  22. Thread: Loan and CPF

    by HalcyonVI
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    The person who wants to pay down the housing loan...

    The person who wants to pay down the housing loan using CPF has to be a mortgagor but does not have to be a borrower. A mortgagor basically means an owner who agrees to pledge the property to get a...
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    If he's selling in around 5 years, it's probably...

    If he's selling in around 5 years, it's probably best to go with a bank. Take a look at this article http://www.myhousingloan.com.sg/housing-loan-resources/housing-loan-articles/hdb-home-loan.php :)
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    CPF Life is the alternative to the CPF Minimum...

    CPF Life is the alternative to the CPF Minimum Sum Scheme. The CPF Minimum Sum Scheme provides monthly payouts for about 20 years whereas the CPF Life Scheme gives a lifelong monthly payment when you...
  25. Thread: Loan and CPF

    by HalcyonVI
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    6,868

    Yes, should be fine as long as the wife is also...

    Yes, should be fine as long as the wife is also an owner of the property on paper.
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