Search the Community

Hi Everyone!!! I want to apply for renovation loan but I don't know if I am eligible. 1) Basic Salary: $2600 Gross $6k-$9k per month. 2) I just work with the current company for 9 months only. Before I join this company I worked as a freelance(no payslip). Cpf contribution only show 9 months. 3) I had checked my credit bureau report it shows GX. No outstanding loan with any banks. 4) Will the bank need 12 month payslip? 5) My gross pay for 9 months of work already reach $58k My ID quote me $40k to renovate the whole 5 room house. Anyone knows how the bank calculate or any chance bank will approved my renovation loan? Thank-you. 31/07/2020

Hi everyone, (Apologies for the 90deg tilted image, not sure why cannot post in portrait) I've bought a high floor 20yo HDB resale unit and the renovations have completed more than 6 mths ago. Trouble start brewing last Nov (2017) when I notice water bubbles coming out of my vinyl flooring seams in my master bedroom. Mould mites can also be seen crawling near the area. Got a shock of my life when the vinyl is removed as there is a pool of milky looking water underneath the vinyl (fig. 1) The floor screed appears wet (darker colour) and moisture can be seen collecting on the underside of a vinyl piece placed overnight (fig. 2 see the water sheen). The wettest part of my master bedroom floor is at an area where there are absolutely no water pipings and is the direct opposite from the toilet (fig. 3). The water stain does extend from the toilet entrance (smallest dark patch) to the direct opposite side of the room (largest dark patch). The tiler mention if the leak is coming from the toilet, the toilet entrance should have the biggest dark patch. I've refrain from using the toilet just in case...but it doesn't seems to have any improvements. My lower unit neighbour has perfect ceiling condition in their master bedroom area and toilet. So I conclude this issue is only within my own unit. Where could the moisture be coming from? Town Council has assist in patching the exterior walls and repainted them as well to eliminate the possibility of rain water leakage from outside. I've run out of possibilities on where is the source of the moisture...there is no water stain marks on the surrounding walls or bubbling paint which is a typical telltale sign of water seepage. From my observation, there is also no significant increase in the moisture on the concrete screed during heavy rains. Any form of moisture can only be seen when covering the screed for a couple of hours using a non-breathable material such as a piece of vinyl. Anyone can help me solve this "water bleed" mystery?