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yes, i understand the $1 part. what i mean (again, purely hypothetical), is that if my cpf don't meet 50%ms and i can't use CPF, then can husband still use his cpf? cos although his cpf meets 50%ms, but since i can't fulfil the ms does his cpf then have to meet 100%ms?

thanks. ok, so purely hypothetically, say: buy property A, use CPF then want to buy property B, but my CPF <minimum sum, though my husband's CPF >minimum sum, so the combined minimum sum to be maintained can't be met 50-50 since my cpf not enough. then even if we want to use CPF also cannot, is it? unless top up my cpf account to at least minimum sum +$1? is that how it works?

ic, thanks. hang on, just to clarify: minimum sum to be maintained in CPF - this minimum sum must be shared 50-50 or not? whereas, CPF contribution to the purchase (distinct from minimum sum to be maintained in CPF), can be any proportion, so long is $1, right?

heh, nice experience leh. which year was this and where located? (district) well, on the issue of not maxing out cpf, would you be able to share just some salient experiences? it seems like it's quite common to max out, though i prefer to always retain some sort of buffer somewhere (i just don't feel good when any of our accounts go below a certain figure) and i wonder if i'm missing out.

really literally $1? no minimum amount, or in multiples of $10, etc, that kind of thing? General question: Does it make sense to try to max out whatever allowable cpf payment for each property purchase? If so, what circumstances would merit not maxing it out each time? Thanks!

ok, what does black red horse mean? aoiaoi, what other developments have caught your attention? are you looking mainly at developments beyond east coast road? or up to marine parade road, amber, st pat's side? what are your thoughts on this since you're familiar with the area. thanks!

thanks, darrenl - figures are purely hypothetical to illustrate a question bepgof, concerns noted, thanks. just my opinion, but no matter how longstanding the relationship with our service provider, we still check from time to time what else is offered or done in the broader market as a form of due d so we can make informed decisions.

yep, i was referring to, for eg. 2 housing loans being considered together (but not combined into 1 loan). purely hypothetical: say, if there are 2 housing loans with 50k and 450k outstanding respectively, on different properties to the same borrower and from the same lender. say also, hypothetically, that better rates kick in at 500k. generally and hypothetically, might a lender consider the 2 loans together? assume that no of years lapsed/oustanding are compatible/not an issue for both loans. i'm just wondering about the above hypothetical situation, that's all. on a separate question: is there a minimum no. of years outstanding on a loan to be considered for refinancing? eg. if 2 or 4 years left on loan, still can refinance? is it worth it at that stage? thanks!

sorry, i no understand, so the overall return (rental included inside) was 10% over 3 months even after taking into account all costs and fees? impressive.

for 1 and/or 2 to be viable, you might also need to consider the opportunity cost of not putting that amount into other investment types for the same duration. what do you reckon your return would be for 1 or 2?

not mean 2 mortgages combine into 1 mortgage lar. what if separate loans by same borrower/s from the same lender and the total quantum reaches a large enough amount? got such thing or not ah? i guess from your reply means no such thing.

huh, TOP June 2010? what is gsy? each unit gets at least one carpark lot (not including guests lots)? eh, this seems like a much smaller unit than the one you'd been eyeing in siglap. what're your plans for this unit? don't mind me asking hor, i am curious and i thought i should learn from all the more experienced zhang bei here

ic. thanks darrenl. generally, can separate loans be combined to meet the larger quantum required for better rates?

in italian, Grande can mean: big, large, great, old (as in mature). that might be more consistent with Tivoli receive lawyer letter means what? you booked a unit/s already? what's pricing like, no. of units, etc? thanks

ic, thanks. are the refinancing rates good/same for outstanding <100k or are different refinanciing rates charged for different amts outstanding?

haha, ok, now understooded ps: i actually thought maybe B referred to no. of bedroom, ie property size, since the discussion was on property. i feel so silly now, cos what monkey have to do 4bedder, 3bedder or 8bedder. hahaha

Warrior88, can i also ask, which other areas you have surveyed to draw your observations?

ok, i think i see what you're getting at bepgof, what is 4B, 3B and 8B?

possibly. but, as i understand it, hdb flats can't be considered for rental until they've been occupied a minimum no. of years, so there's the element of flexibility too. please correct me if i am wrong so based on your observation above, you mean a HDB 3 room flat (ie. 2 bdr) in the nearby area can rent out for 1.8k? wow, that's quite some! i had no idea!!

can someone shed some light on this general question: if exclusive agreement, but if seller ownself find a buyer on his own (that means didn't use other agents, also didn't try to directly contact potential buyer that agent introduced so as to cut agent out), is allowed or not? thanks.

interesting. what 100,000 heads ah? ps: what is "par par" in relation to accounts (i saw you and another poster used this phrase before but i don't understand. on par with what?)?

ic. thanks. yield seems not bad based on the above.

similar observation, which is why i was wondering about this above (though in relation to resale flats without cpf grant): any views, anyone?

But how about, see information in hdb website at: Living in HDB Flat > View More > Purchase Private Property > Eligibility Conditions > Flats Bought from the Open Market without CPF Housing Grant seems what you and bepgof have been referring to is a bit different.

is convenient to tell bought at how much? maintenance how much per month? thanks