wcp86

My bomb shelter got 2 ventilation vents. 1 directly on at the dining area. The other on other side of the wall near the bedrooms. Is it ok to seal the one of the ventilation above the dining area? any advise from anyone?

Hi sforshor, don't mind sharing the contact with me also. I am renovating my house soon. Thanks!!

Hi Mike Able to PM me your carpenter's contact? Thanks!!

Please pm me the ID, thanks

i have already PM you. Please send me his contact. thanks!

hi everyone, can anyone advise what is the different between ID and contractors. how do we choose which one to use and any good one to recommend? Please advise. Thanks!

hi, What is the pro and con between ID and Contractors. Any advice? Thanks in adv!

Pls PM me his contact! Thanks!

Hi, Can you send me some of the packages or quotation for a 4 rooom bto. Thanks in adv!

Hi can PM me his contact? Thanks !

Yup.. will give hdb a call to check it out. thanks for the explanation.

Thanks for the link. i have read b4 those information b4 applying. i have try the maximum loan calculator. but the amount show and the amount the hdb send it over the mail is different. i try calculating with assuming 2.2k income for my gf and my income as 0 since hdb might not be considering my director fee as salary and the result i get is max loan is $219,800 but in the hdb letter they only state $126,300. so my qns is, let say 4 year down the road, i change my director fee to salary and my gf income remain the same, we will be able to get a higher loan? or will still be the 126,300 as they have calculated now?

oh.. Any banks recommended that you tink will give higher loan??

when do i have the fork out the remaining? i have to fork them out b4 i sign my lease of agreement? or when i collect the key? i jus worry if they wan us to fork out the remaining 126k++, then we might not be able to do so already. i am considering to change my director fee to salary. but will they re assess my salary when i collect my key? or they will use what they have assessed now? Please advise if you have any idea about this. Thanks alot. =)

Really thanks for the reply. i am really new with such loan issue and some more i am self employed and make everything look very complicated. Currently my gf is earning ard 2.5k per month and i am drawing director fee of avg 1.2k per month as my company is a newly start up company. my gf and my cpf OA is enuff to foot the 5% as both of us is < 30. so meaning i can still can sign the lease appointment with the HDB? i am considering of changing my director fee to salary. but will the loan amount increase let say 4 year down the road, what i draw is salary pay instead of director fee? any idea?

Need help from you guys.. here my story.. i am 1st time applying BTO and i have selected my flat and pay for the 2k deposit with my gf. Right now we have apply for HLE and the max loan they can loan up to us is 126,300 but our flat price is 250,000+. The flat will be ready in 2015. i am not very sure how come the amount hdb loan to us is so low. i am a self employed and drawing director fee monthly. my gf has a fix salary pay. Could we still apply for the flat even if the loan amount is not enuff for total flat price as the payment for the flat is in 5 year time? Or we have to apply for bank loan in order to sign the lease agreement? Could anyone please advise and help out. Thanks alot.