vowsh

Don't seem like a stable job to me. Agents> suppliers 10 agents fight for one deal.Too competitive. This is what happened to a friend of mine trying to find agent to sell the flat for him. This happens before the curb come in. Now my friend dont want to sell liao. Agents eat grass. Property price going to stay fairly stable and I feel only high end condo can attact buyers..esp foreigners who have plenty of $$. Mass condo price likely to stay flat down the road. Furthermore Govt already cutting PR to Singapore but attract rich PR only. Do you think rich PR will want to stay in the neighbourhood condos. Only agent with good network can survive.

agents's rice bowls are getting smaller. Singapore are too small for feed all agents..only the fittest survive in singapore market.

You no need to pay agent any comm for renewal. They did nothing to deserve. U work out with the tenant coz agent will not know. Save the agent comm.

If your 2nd property that you intended to buy is a pte, you don't have to pay agent comm. Seller will pay the agent.

half of the MS only applies to 2nd property. Both you and your wife must have at least $61.8k each ( if i rem the ms correctly) when buying 2nd property.

not branding you lah. Got $$ can invest property but not overstretch.

U belong to those that push up the HDB resale..1st pte property ..2nd HDB resale property

u own a 2nd property, you should know how it works.

After you have aside the 50% of the MS, you can use the excess + future CPF monies for the 2nd property. Normally CPF ppl will advise not use CPF for loans unless you fully paid the 1st one or cash rich. Btw, 2nd property capped at 100VL.

Unless you and your wife service the loan separately otherwise is not possible.

Is advisable to get your own lawyer. One common lawyer acting for both parties will tend to benefit one's that hired the lawyer. The lawyer will settle everything for you and typically take about 12weeks to complete all the paperwork -loan, cpf caveat..etc. Private sales do not have GST. Lawyer fees are pretty standard.

After pledged the 1st property, you juz need to top-up some to make up 50% MS of $61.5k. Bare in mind, the MS is adjusted every July. MS can also come from OA + SA + Investment CPF monies. Btw, CPF cannot service 2 housing loans if you are not aware

If the 1st property is fully paid, you can get consent from all co-owners of the property to pledge your property in lieu of part of your Minimum Sum. You may pledge your property up to 50% of the Minimum Sum. In the event that the property is sold or otherwise disposed of, you are required to refund the Minimum Sum deficiency, or the principal CPF withdrawn for the property plus the accrued interests whichever is lower. Agent Joe

Advisable to calculate interest based on worse case ..5%

1% is alot. I will juz give an ang bao of $50. Since u never promise her anything why bother.

Marble are not supposed to have wide gap coz the heat transfer in marble flooring is min. In other words, the degree of expansion and contraction between slab is neg. Mine and brothers' house are all marble flooring with small gap that almost cant see in standing position. I am talking of 5 houses of different marble types here. Likely yours is workmanship problem because lay marble needs skill unlike doing homo tiles.

End of the day, the garment will be benefit from the policies they set in future. They know this is a big business and they want to step in to gain from it.

No need to be afraid of the agent. I have done this before. Call the police if the agent harass you.

My unit compare to blk E same floor, up 137k..

All driven by sentiment. Basically our government is not doing enough to damp the speculation. Genuine 1st time buyers and upgraded find it more diffcult to buy if speculation continues its momentum. This also prompt many buyers these days to grab a unit and think later. Govt is smart as property market is the only way to attract foreign $$ to come in for investment. Developers know local market will be saturated very soon and start venturing China and india real estates. Properties are hardly affected by inflation and price will continue to climb. If i got $$, i will also buy one for investment, esp FH so that I pass down to generations else my great-great grand children will have a hard time to buy a house next time

Bear in mind, CPF cannot service 2 loans. Rule of thumb, the min sum to be set aside by 2013 will be $120K. So have to put aside at least 60k ( OA+SA+CPFIS) before you can use the excess for 2nd property.

It really depends on the landlord and agent. Sometimes the agent is related to the owner, so the latter will help her/him to get the commission. For most cases, the agent will ask for commission.

You may want to deal with the landlord in private so that the landlord can save without paying comm to the agent.

Pre-mature termination? Usually there's a clause in the TA that states no refund of disposit if the rental agreement is termination before due.

Extract from HDB web HDB flats sold under the Home Ownership Scheme are meant for owner-occupation by the owners and their families. However, flat owners may sublet their whole flat or spare rooms if they meet the eligibility conditions. To sublet the whole flat, prior approval from HDB is needed. For subletting of rooms, no approval from HDB is required but flat owners must continue to live in the flat during the period of subletting and comply with other subletting conditions. To avoid committing the offence of harbouring immigration offenders, we advise flat owners to check and ensure that their foreign subtenants are legally allowed to stay in Singapore when subletting their whole flat or rooms. This service package provides information on subletting of whole HDB flats and rooms. It also allows flat owners to submit online applications for transactions relating to subletting of HDB flats and requests to check foreign subtenants' immigration and employment status.