reffine

currently 'am paying 3mth sibor + 1.3% with no lock in.. it's almost 2 years alrdy so i'm thinking to refinance.. my loan tenure is around 30 yrs, maybe wanna shorten a bit to 20 yrs plus.. if within the bank, they offered me 1st yr: 1.95% fixed, 2nd yr onwards: 3mth sibor + 1.25% no lock in another bank offered me 3yr fixed lock in: 1.99%, onwards: 3mth sibor + 1.25% anyone can suggest which one better? or should i wait for another months? thanks

Hi phaffia, My new house is also walking distance to hougang point, hougang st 91.. how long have u been staying there? i think i might ask so many questions when i moved there, if u dun mind hihihi thanks.

Hi phaffia... i'm gg to move to my new re-sale flat in hougang next year.. now i live in east area.. not really familiar with hougang area how's your house living environment? is it difficult to get the public transportation from Hougang point if u not driving?

Hi twolambs and carebear, Can PM me your recommended FS master and the charges also? Thanks.

hi h4happy.. thanks for sharing the link btw anyone has a recommended contractor? pls pm me the contact no? thanks

Hi.. i'm new here.. just do a bit research on all the renovations thingy.. btw wanna ask u all, usually when do flat reno, which will be done first? is it the painting will be done first? Can help me to deliberate what are the stages like? I'm interested in a minor renovations for bathrooms, kitchen, carpentry, and paintings.. Thanks in advance