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michael8330

QUOTE: 以下是引用 silicon 在2006-9-30 18:44:00的发言：


Hello Michael,
we are PR now. But my wife may apply for citizenship mid next year.
Then there is one more question about the S$30K CPF HDB grant.

If we buy a re-sale HDB unit now, can we still apply for the grant after getting citizenship? Someone told me that this grant could be applied for within one year after buying a HDB flat. The difference is only that the loan couldn't be changed to HDB from bank. Is it true?
Thanks a lot.

i never hear this scheme before and i believe it did not exist at all . u better call the hdb resale hot line to double check:- 18008663066

sorry cannot help u in this matter.

maybe after u have check out , please post here to teach me or let the other know .

thank you

半枝莲花

<p>有几个问题请问下Michael</p><p>你帮忙介绍的banker是专属某个银行的还是会帮忙分析其他银行？</p><p>我看你一直在介绍posb不错，可以介绍下到底好在哪里么？</p><p>关于中介费可以1st and 2nd apponment各付一半么？我的中介要求1st付的</p>

michael8330

QUOTE: 以下是引用 半枝莲花 在2006-10-1 1:11:00的发言：

有几个问题请问下Michael

你帮忙介绍的banker是专属某个银行的还是会帮忙分析其他银行？

我看你一直在介绍posb不错，可以介绍下到底好在哪里么？

关于中介费可以1st and 2nd apponment各付一半么？我的中介要求1st付的

i have all the banker contract. (local and oversea bank), i only appoint one banker from one bank(means dbs i will have a banker, oub i will have a banker ) to work for my agency, and those no up to mark i will just change (that mean customer feedback say the banker late for appointment without good reason, rude , cannot explain clearly) those banker work with my agency know that , if they want my customer , they have to be very professional, and patient and my agency will refer those customer to them only (like customer want ocbc , i will pass to one sale banker)so far the banker i work with is quite good.

posb: is use to be government bank , their interest rate is reasonable , term and condition is reasonable also, and in the event, any default , they are more willing to talk and assists the borrower.

agency commission : market practice fully pay on completion, if u think u want to pay half-half also can.

fm_yy

<p>请问Michael，同一家银行的不同的banker给出的package有没有可能不一样？</p><p></p>另外，银行贷款下来就需要律师了吧，请Michael帮忙推荐个便宜律师，我在前面帖子里面看到你推荐的律师费1800的律师，不是到还有没有。

[此贴子已经被作者于2006-10-1 23:03:47编辑过]

michael8330

QUOTE: 以下是引用 fm_yy 在2006-10-1 21:47:00的发言：

请问Michael，同一家银行的不同的banker给出的package有没有可能不一样？

另外，银行贷款下来就需要律师了吧，请Michael帮忙推荐个便宜律师，我在前面帖子里面看到你推荐的律师费1800的律师，不是到还有没有。

请问Michael，同一家银行的不同的banker给出的package有没有可能不一样

should be more or less the same , the different is only the services and( the timing u take the loan will be slightly different )

lawyer i have PM to u

fm_yy

<p>Received, thanks&nbsp;a lot.</p><p>This lawyer should be eligible for most of banks, posb, uob, ocbc etc, right?</p><p></p>

michael8330

以下是引用 fm_yy 在2006-10-2 12:02:00的发言：

Received, thanks a lot.

This lawyer should be eligible for most of banks, posb, uob, ocbc etc, right?

yes, please check with the lawyer , but should not  be any problem.

无神

我最近看上了一套4房室，HDB估价是227K，屋主要求245K，经纪说多出来的18K，我要在签第一次appointment时候付给屋主，请问通常的做法是什么样的？是不是我一定要给屋主专门多cash,而且要不要这么早付？

[此贴子已经被作者于2006-10-4 23:15:39编辑过]

michael8330

QUOTE: 以下是引用 无神 在2006-10-4 23:11:00的发言：
我最近看上了一套4房室，HDB估价是227K，屋主要求245K，经纪说多出来的18K，我要在签第一次appointment时候付给屋主，请问通常的做法是什么样的？是不是我一定要给屋主专门多cash,而且要不要这么早付？

did u declare the 245k to hdb?

than mean the otp put as 245k.

if this is the case, u only need to put up to 5k to the owner and the rest u will settle the cash + cpf with yr banker, and usually it done 1 week before the completion.

if u only declare 227k in otp that mean 227k in the otp, that mean something wrong so where) this is what we call under-delare the selling price and this is punishable under the law.

silicon

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>michael8330</i>在2006-9-30 22:43:00的发言：</b><br/><p>i never hear this scheme before and i believe it did not exist at all . u better call the hdb resale hot line to double check:- 18008663066 </p><p>sorry cannot help u in this matter. </p><p>maybe after u have check out , please post here to teach&nbsp;me or let the other know . </p><p>thank you</p>[em07]</div><p>Confirmed with HDB, the housing grant must be applied just&nbsp;upon buying the flat, not within one year after buying.</p>