liewsc

My experience to share: 1. Paid Option Fee SGD$1000 on 24/12/2009 Thursday - guess thats the best Christmas gift for both of us. Quite risky as there are 2 long weekend ahead Friday 25/12/2009 and 01/01/2010 and we had actual less than 10 working days to secure a LO from bank. The 14days to exercise OTP is inclusive of weekend and PH. 2. Paid SGD$4000 to exercise OTP on 02/01/2010 Saturday after we got LO from UOB bank, agent submit resales application on 04/01/2010 Monday. 1st appointment fixed on 25/03/2010 Thursday 1.15pm 3. Today went for 1st appt at HDB HUB, seller agree to fix the earliest date 4 weeks but my agent caution us to check with our lawyer. Called up legal firm and advice that 4 weeks is too rush and may not be process smoothly i.e CPF withdrawal may not be in time due to high transaction, is safer to fix for 6 weeks. If CPF not able to process and release on completion date then we have to dig out our own hard cold cash and later reimburse from CPF (which we do not want, boh lui liao) 4. Final completion date set on 06/05/2010 cun cun 6 weeks later. After 1st appt we went straight up to level 3 our legal firm and signed neccessary documents and given a post dated cheque 22/04/2010 to lawyer for our downpayment (COV+5% of valuation price). All other payment will be from CPF and agent fee by cheque payable to agent on completion date, lawyer will do the completion for us and we can go to collect key at office at 6.15pm after work. No need take leave. We took bank loan, not HDB loan. I think is different if take HDB loan.

My agent submission on 4th Jan 2010 and our 1st appt is on 25th March 2010, then my kolik is submitted on 20th Jan 2010 and their 1st appt is on 5th March 2010. kolik asked how come ours is later than them? wa a bit blurr also.....

COV SGD$13K OTP SGD$1K deposit paid on 24/12/2009, SGD$4K on 02/01/2010 after LO from bank Yishun 15mins walk to MRT or 3 bus stop away (5mins walk to bus stop) 11th floor (TOP), no tanki above heng ah. IUP plus upgrade completed and fee paid simple reno kitchen/bathroom tiles up to ceiling, full length kitchen cabinet, interior wall new paint unblock view and no empty ground nearby, no worry of future constructions/project vacant unit seller is retired out of town, can get nearest completion date possible *counting down 8days to HDB 1st appt*