gendon

The auto sensor door/gate that I've seen before lah. How come you know I like to watch sci-fi?

Wah.....looking gd! It's nice to see your home shaping up Ya, usually for carpentry works it's only abt 2-3 persons on-site. Unless major project at pte property, that's a diff story !! For the L-bars in the bathrooms, did you source it yourself or got it from Patrick? It's a gd idea actually, for safety purposes when there's elders living in the same house. Wah...got #1 and #2 somemore har? !! Actually, what's funnier is when he thought the cabinet got Auto-Sensor one. But come to think of it, MaCe may be right and ahead of time hor. Bcos who knows, somebody lurking this thread, found his idea brilliant, start to invent the cabinet Auto-Sensor and patent it...blah blah blah. If like that, for those who use telepathy or telekinesis to open cabinet doors, will sure appreciate the invention, bcos everytime use brain/mind power very tiring.

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That's because bigger flats such as EA, EM and bigger size the S&CC charges are not subsidised.

For Singapore Citizens who don't fall under the criteria below, pays the Reduced Rates lah. Note: (1) The rates specified under the heading "Normal rate" for items 1 to 5 shall apply to a flat -- a) where none of the owners or tenants and none of the authorised occupiers of the flat are citizens of Singapore; b) where -- (i) in the case of a flat sold by the Board -- any owner or essential occupier of the flat; or (ii) in the case of a flat let out by the Board -any tenant or authorised occupier of the flat, has an interest in any residential property not owned by or vested in the Board, or in any industrial or commercial property, whether or not owned by or vested in the Board; c) which is owned by or let to any body corporate; or d) which is vacant. (2) The rates specified under the heading "Reduced rate" for items 1 to 5 shall apply to all other flats. (3) In paragraph (1) -- "authorised occupier" has the same meaning as in the Housing and Development Act (Cap. 129); "essential occupier", in relation to a flat sold by the Board, means any authorised occupier of the flat who, together with any lessee or other authorised occupier of the flat, will form the necessary family or social nucleus to qualify the lessee to purchase or to continue to own the flat; "tenant" means any tenant of the Board with respect to an entire flat.

Town Council Service & Conservancy Charges - Residential Aljunied TC Type of Property/ *Normal / Reduced 2-Room $49.00 $26.50 3-Room $54.50 $37.00 4-Room $58.50 $49.50 5-Room $67.50 $61.50 Executive $78.00 $78.00 HUDC $102.00 $102.00 Ang Mo Kio – Yio Chu Kang TC Type of Property/ *Normal / Reduced 1-Room $52.50 $18.50 2-Room $53.00 $26.50 3-Room $55.00 $37.50 4-Room $58.50 $49.50 4-Room Design & Build/Design Plus $64.00 $55.00 5-Room $67.50 $61.50 5-Room Design & Build/Design Plus $73.00 $67.00 Executive $77.50 $77.50 Executive Design & Build/Design Executive $83.00 $83.00 Bishan – Toa Payoh TC Type of Property / *Normal / Reduced 1-Room $53.20 $19.50 2-Room $55.20 $29.00 3-Room $57.00 $40.00 4-Room $61.00 $52.00 5-Room $63.00 $63.00 Executive $85.00 $85.00 HUDC $105.00 $105.00 Multi-Generation Type A $85.00 $85.00 Multi-Generation Type B & C $90.00 $90.00 East Coast TC Type of Property / *Normal / Reduced 1-Room $54.00 $19.00 2-Room $54.50 $27.00 3-Room $55.50 $37.50 4-Room $57.50 $48.00 5-Room $66.00 $60.00 Executive/Maisonette $76.50 $76.50 Holland – Bukit Panjang TC Type of Property / *Normal / Reduced 1-Room $52.20 $18.50 2-Room $52.70 $26.50 3-Room $53.50 $36.50 4-Room $57.00 $48.00 5-Room $67.50 $60.50 Executive $76.50 $76.50 Hong Kah TC Type of Property / *Normal / Reduced 1-Room $51.70 $18.00 2-Room $51.70 $25.50 3-Room $53.50 $36.50 4-Room $58.00 $49.00 5-Room $61.50 $61.50 Executive $77.50 $77.50 Hougang TC Type of Property / *Normal / Reduced 1-Room $52.00 $18.00 2-Room $53.00 $25.50 3-Room $54.00 $36.00 4-Room $57.00 $48.00 5-Room $66.00 $59.50 Executive $76.00 $76.00 HUDC $101.50 $101.50 Jalan Besar TC Type of Property / *Normal / Reduced 1-Room $52.50 $19.00 2-Room $53.00 $27.00 3-Room $53.00 $36.00 4-Room $56.00 $47.00 5-Room $64.80 $59.00 Executive $75.00 $75.00 Pasir Ris - Punggol TC Type of Property / *Normal / Reduced 1-Room $53.00 $18.50 2-Room $55.00 $26.50 3-Room $60.00 $36.50 4-Room $67.50 $50.50 4-Room (D&B) $70.00 $56.50 5-Room $73.50 $63.50 5-Room (D&B) $77.50 $68.50 Executive $80.00 $80.00 Executive (D&B) $85.00 $85.00 Potong Pasir TC Type of Property / *Normal / Reduced 3-Room $52.00 $35.50 4-Room $54.00 $46.00 5-Room $62.00 $58.00 Executive $73.00 $73.00 HUDC $95.00 $95.00 Sembawang TC Type of Property / *Normal / Reduced 1-Room $52.00 $19.00 2-Room $53.00 $27.00 3-Room $57.00 $36.50 4-Room $61.00 $48.00 5-Room $67.50 $60.50 Executive $77.50 $77.00 Tampines TC Type of Property / *Normal / Reduced 1-Room $52.50 $18.50 2-Room $53.00 $26.50 3-Room $55.00 $38.00 4-Room $58.00 $48.50 5-Room $66.00 $61.00 Executive/Maisonette $78.00 $78.00 Multi-Generation (models 08 and 09) $82.00 $82.00 Multi-Generation (models 07) $88.00 $88.00 Tanjong Pagar TC Type of Property / *Normal / Reduced 3 Room $53.50 $36.50 4 Room $58.00 $49.00 5 Room $67.80 $62.00 Executive & Maisonette $82.00 $82.00 Penthouse $128.00 $128.00 West Coast TC Type of Property / *Normal / Reduced 1-Room $52.20 $18.50 2-Room $52.70 $26.00 3-Room $54.00 $36.50 4-Room $57.50 $48.50 5-Room $67.00 $61.00 Executive $80.50 $80.50 *Normal rate apply to a flat: i) where none of the owners, tenants and none of the authorised occupiers are citizens of Singapore ii) where any owner, tenant, essential occupiers has an interest in any private property, or any HDB industrial or commercial property; iii) which is owned or let to any body corporate; or iv) which is vacant -------------------------------------------------- Sorry, currently I don't have the S&CC rates for Marine Parade, Jurong and Tanjong Pagar Town Councils. Anyone care to share? Updated as at 22 Aug 2007 @ 1758hrs Thanks jarbebe

Town Council Service & Conservancy Charges - Residential Aljunied TC Type of Property/ *Normal / Reduced 2-Room $49.00 $26.50 3-Room $54.50 $37.00 4-Room $58.50 $49.50 5-Room $67.50 $61.50 Executive $78.00 $78.00 HUDC $102.00 $102.00 Ang Mo Kio – Yio Chu Kang TC Type of Property/ *Normal / Reduced 1-Room $52.50 $18.50 2-Room $53.00 $26.50 3-Room $55.00 $37.50 4-Room $58.50 $49.50 4-Room Design & Build/Design Plus $64.00 $55.00 5-Room $67.50 $61.50 5-Room Design & Build/Design Plus $73.00 $67.00 Executive $77.50 $77.50 Executive Design & Build/Design Executive $83.00 $83.00 Bishan – Toa Payoh TC Type of Property / *Normal / Reduced 1-Room $53.20 $19.50 2-Room $55.20 $29.00 3-Room $57.00 $40.00 4-Room $61.00 $52.00 5-Room $63.00 $63.00 Executive $85.00 $85.00 HUDC $105.00 $105.00 Multi-Generation Type A $85.00 $85.00 Multi-Generation Type B & C $90.00 $90.00 East Coast TC Type of Property / *Normal / Reduced 1-Room $54.00 $19.00 2-Room $54.50 $27.00 3-Room $55.50 $37.50 4-Room $57.50 $48.00 5-Room $66.00 $60.00 Executive/Maisonette $76.50 $76.50 Holland – Bukit Panjang TC Type of Property / *Normal / Reduced 1-Room $52.20 $18.50 2-Room $52.70 $26.50 3-Room $53.50 $36.50 4-Room $57.00 $48.00 5-Room $67.50 $60.50 Executive $76.50 $76.50 Hong Kah TC Type of Property / *Normal / Reduced 1-Room $51.70 $18.00 2-Room $51.70 $25.50 3-Room $53.50 $36.50 4-Room $58.00 $49.00 5-Room $61.50 $61.50 Executive $77.50 $77.50 Hougang TC Type of Property / *Normal / Reduced 1-Room $52.00 $18.00 2-Room $53.00 $25.50 3-Room $54.00 $36.00 4-Room $57.00 $48.00 5-Room $66.00 $59.50 Executive $76.00 $76.00 HUDC $101.50 $101.50 Jalan Besar TC Type of Property / *Normal / Reduced 1-Room $52.50 $19.00 2-Room $53.00 $27.00 3-Room $53.00 $36.00 4-Room $56.00 $47.00 5-Room $64.80 $59.00 Executive $75.00 $75.00 Pasir Ris - Punggol TC Type of Property / *Normal / Reduced 1-Room $18.50 $53.00 2-Room $26.50 $55.00 3-Room $36.50 $60.00 4-Room $50.50 $67.50 4-Room (D&B) $56.50 $70.00 5-Room $63.50 $73.50 5-Room (D&B) $68.50 $77.50 Executive $80.00 $80.00 Executive (D&B) $85.00 $85.00 Potong Pasir TC Type of Property / *Normal / Reduced 3-Room $52.00 $35.50 4-Room $54.00 $46.00 5-Room $62.00 $58.00 Executive $73.00 $73.00 HUDC $95.00 $95.00 Sembawang TC Type of Property / *Normal / Reduced 1-Room $52.00 $19.00 2-Room $53.00 $27.00 3-Room $57.00 $36.50 4-Room $61.00 $48.00 5-Room $67.50 $60.50 Executive $77.50 $77.00 Tampines TC Type of Property / *Normal / Reduced 1-Room $52.50 $18.50 2-Room $53.00 $26.50 3-Room $55.00 $38.00 4-Room $58.00 $48.50 5-Room $66.00 $61.00 Executive/Maisonette $78.00 $78.00 Multi-Generation (models 08 and 09) $82.00 $82.00 Multi-Generation (models 07) $88.00 $88.00 West Coast TC Type of Property / *Normal / Reduced 1-Room $52.20 $18.50 2-Room $52.70 $26.00 3-Room $54.00 $36.50 4-Room $57.50 $48.50 5-Room $67.00 $61.00 Executive $80.50 $80.50 *Normal rate apply to a flat: i) where none of the owners, tenants and none of the authorised occupiers are citizens of Singapore ii) where any owner, tenant, essential occupiers has an interest in any private property, or any HDB industrial or commercial property; iii) which is owned or let to any body corporate; or iv) which is vacant -------------------------------------------------- Sorry, currently I don't have the S&CC rates for Marine Parade, Jurong and Tanjong Pagar Town Councils. Anyone care to share?

Well, to be honest....considering that you've bf both sons pass the 12-mnth & that they self-wean...is a job well done! That's ok...to feel sad and anxious when they somehow figured out that they don't want to bf. So how did you get over the depressed period?

Actually it's the pregnancy hormones that did. Like what lynzi mentioned abt support bras, I agree. Especially when during pregnancy your bra cup size may jump several cup sizes. It is how you take care of your breast pre-birth as well as how elastic your skin is, your genes and posture. I know of some non-bf moms who also got saggy breasts after birth, so to say exlusively that breastfeeding long term makes the breasts saggy, it's just hearsay. Anyways, for discussion abt Breastfeeding you can hop in in this topic: All About Breastfeeding - Get to know other nursing moms, share your experiences, questions & advices and more.

Hi Just started this topic: All About Breastfeeding So that we can get to know other nursing moms, share your experiences, questions, advices here and more. Ok, let me start the ball rolling! Still breastfeeding my child (now he's 37 months old), since he's born. What I can say it that it was a tough journey, but it is worthwhile.

Mine is Toshiba: 3 inverters and 1 non-inverter from Etronin A/C & Electric. All inclusive @ $3450 in June 2006.

Wah..bro MaCe ur skirtingless floor is And like what applefreak mentioned, it's true not all big fridges has high energy consumption. Even if have smaller fridge, it's the habits (eg. opening fridge doors too often and taking a very long time to close back, etc.) & usage patterns (eg. not cooling foods & drinks first before putting in fridge, etc.) that contributes to the high electricity. In fact, there are many other energy hogs - like the steam iron, air-con, electric oven, dryer - not just the fridge alone.

Hee hee....next you shop for bigger fridge, better get a big cake box see whether can fit inside or not. Useful when u have kids in future, sure almost everything will conveniently get stuffed inside!

Yup, I do wash my kitchen & service yard floor from time to time. I guess I'm used to it since donkey years living with my parents. My current fridge is oredi 89cm wide, 183cm tall and 77cm deep, so I don't really worry abt sizes of future fridges, unless the giant french-door American or European fridges..that's another story altogether.

First of all, congrats! So when's the baby due? Most expectant parents want to buy their new baby the world--and there is a whole world of gear out there for little ones. But you don't need to spend a bundle on your little bundle. Here are some suggestions to consider: 1) Get familiar with your current spending patterns. 2) Ask friends with children what various pieces of baby gear and other necessities cost and have them make a list of those items you should borrow or buy used and those you definitely want to buy new. You'll want to borrow or find used such items as a Baby Bjorn (which can be grown out of in less than 9 months), a portable crib, activity saucer, doorway jumper and temporary changing table. 3) Create a list of your current, pre-baby expenses. Once you learn where your money is going, you'll be able to figure out how much of it you can save and reallocate toward baby expenses. 4) Assume that your household expenses will rise after having your baby, and adjust your budget accordingly. Include essentials like - diapers & wipes, - formula/baby milk powder (if formula-feeding) - baby food, - clothing, - doctor visits, - immunizations, - prescription drugs and medicine. Initially, set aside about $150-$200 extra for household bills, and adjust that figure upward as you get a better handle on your monthly budget with baby in tow. 5) Start looking at day-care options if neither parent will be staying home. Act early to find child care, since many day-care centers have waiting lists. Take the time to do your homework and find the right one for your child and your budget without rushing. 6) Conserve water and energy, replace/repair inefficient appliances, etc. These measures will help keep utility bills in check despite the larger household. 7) Be cost-conscious about baby clothes. Enjoy the pool of friends and relatives who happily pass on their children's outgrown clothes, if you don't mind. Check out store outlets for bargain buys, and shop during sales and inventory markdowns. 8) Start your baby's edutcation fund now. By socking away as little as $50 per month, you can build up a formidable education fund by the time your child reaches 18 years of age. 9) Get recommendations for baby's paeditrician from your gynae, friends, colleagues, etc. It's better to start early on this one as you will not be in for more surprises as paeditricians' fees & charges varies. Most importantly is the rapport between you & doctor, so now is the time to interview the paeditricians in your list. 10) If you're considering banking your baby's cord blood, start now in getting more information from cord blood banks abt their one-time admin fees, collection charges as well as the annual storage fees. There's a good reason why you were given nine plus months to get ready: Not only does having a new baby mean decorating a nursery and buying equipment, it also means preparing for a new life to join yours seamlessly. - Stock the nursery and kitchen with baby-care basics including bottles, nipples, diapers and wipes, as well as a bottle steriliser, digital ear thermometer, nasal aspirator, baby nail clippers and diaper cream. - If intending to breastfeed, factor in one-time charges for breast-pumps - either manual or electric. If intending to formula-feed, research the prices for various brands and anticipate the higher intake when baby's undergoing growth spurts. - Ask friends with young children for recommendations on what to borrow versus what to buy. You'll be dropping some big bucks on your little bundle--strategic clothing and equipment loans can give significant financial relief. - Get ready to rock and roll--with baby. Now's the time to research different brands and pick up what you need for baby gears and equipments. Factor in one-time charges for essentials like a car seat, a crib, a changing table, a stroller, an infant carrier and maybe a new coat of paint in the nursery. - Crawl around on the floor to see what needs babyproofing. - Make meals a few weeks ahead and freeze. - Check out the Baby Bonus website for more information and setting aside how much you may need. - Find out from the hospital of your choice abt the deposit upon admission, neonatal charges and various delivery fees, etc. Additional tips: - Food is one of the biggest chunks in your budget. Take measures to reduce food spending--less eating out, more shopping the warehouse stores--to improve your bottom line. - Talk to your employer's human resources dept before your baby is born and ask about how your benefits package will change. - Add your baby to your health & hospital insurance as soon as he or she is born--it's not automatic. Check with your insurance company the minimum age your newborn can be covered. Hope that helps. Cheers!

I'm guilty of #3 For #4, I didn't hack the original flooring.

Then plumber need to catch up on new designs and installation methods Which reminds me of my plumber when he got headache installing most of the bathroom accessories. Lucky my ID more ngiao than me An article to share with all: 6 Kitchen-Planning Myths (source: Kohler) "When planning a new kitchen or renovation, it pays to keep an open mind and learn all you can. That includes busting a few common myths about the planning process and its outcomes. Read on to benefit from some real-world examples from kitchen-design professionals: Myth #1: “I can add that easily at a later time.” “[My client] insisted she didn’t need a microwave,” says Juliana Caitlin, a designer in Jacksonville, FL. “But when her husband was transferred and they had to sell the house, the missing microwave was a big issue among potential buyers, even those who admired her gorgeous cabinets.” Designers say it’s best to add features to your new kitchen during, not after, renovation. Even if you’re not sure whether you’ll use a feature right away, prepare for its future installation by running cable and electrical lines. For example, one day, you, your growing kids, or a future homeowner may want a flat-screen television or a home-monitoring screen in the kitchen. Or, you may someday need more outlets on your counters and island. Homeowners should install a variety of kitchen lighting fixtures throughout the kitchen, especially under-cabinet lighting, since it illuminates counter top space far better than overhead lighting alone. Also, don’t forget to consider aging issues. Wall ovens and drawer-style dishwashers will prove a plus if you develop back problems down the road. Myth #2: “I’m not having any clutter in my new kitchen.” One homeowner recently ripped out her crowded pantry to make room for a lovely butler area with glass-front cabinets. “Now she doesn’t have a pantry—and no place to store everyday dry goods and cereals,” says Laurie Smith, a designer in Woodridge, IL. “She thought she could adapt, but how can she when there’s insufficient storage space?” Whether we like it or not, life is messy—in kitchens both new and old. That’s why adequate space to store it is essential. “The most common mistake among homeowners is that they want kitchens that open onto other rooms, and they don’t plan any upper storage for china and glassware,” Caitlin says. “There needs to be a balance between function and style.” Myth #3: “Bigger is always better.” Like so many homeowners, Ms. X finally got a massive kitchen for entertaining, but now she walks endlessly from one appliance to another. Caitlin says this is one mistake that homeowners have to live with for a long time, since kitchen renovations are done only once every 15 years or so. The solution, she says, is to install two sets of appliances, essentially integrating two work triangles into the kitchen area. Most designers urge their clients to choose quality over quantity when designing a kitchen, particularly if money is an issue. “If a homeowner is over-budget on a huge kitchen and is forced to opt for 2-cm granite rather than 3-cm granite with a pretty dropped edge, she will be reminded of that decision every time she enters the kitchen,” Caitlin says. Sarah Jenkins, a designer in Chevy Chase, MD, agrees, adding that it’s possible to entertain up to 40 people “without trauma” in a smaller, efficient kitchen. Myth #4: “I don’t need a designer.” Ms. X put her builder in charge of renovating the kitchen of her old house. Unfortunately, the builder failed to inspect above the ceiling prior to starting work. Eventually, Ms. X had to hire a designer to help deal with the oven hood protruding from her ceiling molding, visible duct work and a mishmash of cabinets of different sizes. A year later, the project still isn’t complete. Not every kitchen project requires a designer. But many of us need someone to help us see the big picture and oversee the entire project, including working within budget and coordinating the efforts of the architect and builder or contractor. Myth #5: “Yes, it will fit.” One client insisted on putting an island in her new condo kitchen, although there was clearly not enough room for it. “She’s trying to do what’s popular without any thought to whether it would work in the space,” Jenkins says. “Now, there’s barely room to stand behind it to use the counter and you can’t put anything on the adjacent wall except for a painting.” Human nature is tricky. We can unwittingly grow attached to our old appliances and end up with new refrigerators that are too small or with ovens that are short on burners. Or, we forget our physical limitations and opt for a sink bay window that’s too deep or an island that’s too huge to clean. Caitlin recommends that homeowners pay particular attention to aisle width, which should be between 42” and 48”. “If there’s too little space, you’re stuck if someone lowers the door of the oven, dishwasher or microwave,” she says. Myth #6: “I want what she has.” It’s tempting to follow the latest trends, but it pays to be practical. Do you really want your friend’s painted cabinets when they risk water damage near your sink? Will you tire of that popular granite color? Will you still love antique glazed cabinets in 10 years? Will that funky kitchen featured in that glossy magazine really work in your house? Considering the scope of a kitchen renovation, it’s best to proceed cautiously. “Homeowners get carried away when they see someone else’s home or a kitchen showroom,” says Jenkins. “They go bounding off and buy things without thinking of the rest of the house. Usually the kitchen is the first room they do during a home renovation and it dictates the colors for the rest of the house—for what seems like forever. It’s a huge investment.” -------------------------------------------------------------------------------------

To be the Best of the Worst or Worst of the Best, is interchangeable...depending on one self to make the decision. Most importantly: Humility, Integrity, an Open Mind and Patience...will bring you very far in life.

Welcome to RenoTalk Wow, that's a major hack ya! Anyways, happy renovating !!

In this case, it doesn't matter whether it's acid-etched or sandblasted. If you're concerned abt shattering or glass pieces flying, then it's better to get frosted-finished glass that is toughened. Btw, toughened glass cannot be drilled or edgeworked in any manner. Sandblasting or other surface treatments should be carried out prior to toughening. Toughened glass is produced by heating annealed (ordinary) glass in a furnace to approximately 700degC and then rapidly blowing cool air onto both surfaces. This rapid cooling process is the key element in the physical changes in annealed glass that creates toughened glass. Or you can also consider abt laminated glass (also available in tinted form) which is a safety glass made by laminating two or more sheets of equal/unequal glass thicknesses with a flexible plastic interlayer or PVB (poly vinyl butyral). The glass and interlayer are bonded together by heat and pressure. Generally this interlayer is 0.38mm thick but other thicknesses are available. However, I'm not sure if it is possible to acid-etch or sandblast a laminated glass.

Sand-blasted surfaces tend to feel slightly grittier when u run your dry fingers across the surface, compared to an acid-etched surface. The level of grit also depends on the size of the sand particle used. For acid-etched surfaces, the frosted finish is alot finer and very uniform. If you go out shopping, try to look out for those frosted-finished mugs, cups, figurines, vases, doors, mirrors, cupboards, etc. Some glass jugs, mugs, bottles and bowls have acid-etched branding at the bottom part. In offices, residences, public buildings, try to look out for frosted-finished surfaces and try to touch it to have a feel of the differences between acid-etched and sand-blasted.

Hmmm...that works out to abt 7-8 rolls. What kinds of reno works to be done actually?

A certificate of cover showing the insured sum and the amount of premium paid will be sent to you once your HPS application has been approved and the premium has been paid. Cheers!

If you paint the PVC door with outdoor paint without the proper primer, the outdoor paint won't adhere well. Should you want to paint it with an outdoor paint, firstly u need to paint it with the specialty paint primer as mentioned above, then followed by the paint-type of your choice. To further waterproof the painted door, u need to paint a finishing coat that has waterproof properties.

You can apply to be excluded from HPS if you already have a mortgage-reducing insurance or an appropriate life insurance policy that is enough to cover your outstanding housing loan up to the full term of loan or age 65, whichever is earlier, in the event of permanent disability or death. Application for HPS Exemption is by submitting HPS/2 form: Application for HPS Exemption. Alternatively you can also apply to be exempted online via my cpf Online Services - My Requests. Things to note BEFORE submitting application for HPS Exemption: - Policy sum assured must be sufficient to cover outstanding housing loan. - Policy must have Total Permanent Disability (TPD) coverage up till 65 / till the full term of housing loan, whichever earlier. - Newly purchased MRTA Policy/Decreasing Term Rider risk commencement date must be same as / later than the housing loan commencement date and expiry date must not be earlier than the housing loan expiry date. - Policy mortgage rate must be higher than loan interest rate. - If joint-life policy is used, the policy must be able to cover 100% of housing loan. - Before submitting this form, legal ownership of the property must have been obtained and housing loan already disbursed. Cheers!