View Full Version : Leasehold Vs 999
Keen in 2 projects(Resale) but not sure which one I should go for.
Any kind soul here for final advise before option fees paid?
1. Season Parks (Lease left 82 years)
Location is above average though not directly next to MRT (7-10mins walk)
School next to it
High Floor
Price 1M
Size 12xx 3 +1
2.Grande Vista (999 Years starting from 1993) and approx 1 km apart from above
Location quite exclusive with those landed along yio chu kang road
School same as above but slightly more than 1km so going to 2nd phase ballot only...
Low floor
Price 1.07-1.09M
Size 12xx 3 + 1
Which one would you choose (For reference nia as I know utilimately it has to be myself) Personally I do like SP abit more but leasehold...
This is for own stay
both are called leasehold.
as long as there is a number of years to the tenure - it's a LH.
I would go for 999
both are called leasehold.
as long as there is a number of years to the tenure - it's a LH.
I would go for 999
Yes, I'll go for 999 too, especially since SP left 82 years and not a fresh lease.
Sleepyhead
17-05-12, 22:32
My good friend bought SP at launch in 1997 for almost $800k. At that time, SP was very hot.. People queuing up to buy. Even at high price, it was sold out in days.
Over the years, newer and better condos came up. Asian crisis also came about. Market started heading south. SP could not be rented out. Price dropped to $500k at one point.
Anyway, long story short, my friend managed to sell SP recently at approx $1m. On paper, he made profit of $200k... But if you factor in inflation, my friend lost $100-$200k, not yet counting the months and years where it could not rent out!
Luckily my friend had holding power. Imagine if due to not being able to rent out, had to force sell... Sure lose big time.
My friend has said to me many times... Never ever buy leasehold. That's why I think recent high profile launches such as Sky Habitat etc... May well suffer the same fate.
Of course, my friend bought as investment... You are buying for own stay... Different considerations....
i have a diff opinion. It is all about timing. Those who bought at $500k will pocket $500K. Its all about timing and relativity.... If today SP is $800K and the GV of the same size is at $1.4mil, do you think ppl will still go for SP? It all depends, many factors. And when the gap widen between the LH & FH of the same area, they will narrow it by the market force....:2cents:
My good friend bought SP at launch in 1997 for almost $800k. At that time, SP was very hot.. People queuing up to buy. Even at high price, it was sold out in days.
Over the years, newer and better condos came up. Asian crisis also came about. Market started heading south. SP could not be rented out. Price dropped to $500k at one point.
Anyway, long story short, my friend managed to sell SP recently at approx $1m. On paper, he made profit of $200k... But if you factor in inflation, my friend lost $100-$200k.
My friend has said to me many times... Never ever buy leasehold. That's why I think recent high profile launches such as Sky Habitat etc... May well suffer the same fate.
Of course, my friend bought as investment... You are buying for own stay... Different considerations....
Any more views?
Should I go HDB first then come back 5 years from now? LOL.
Is this for school? If it is Anderson primary, there are other condos within 1 km.
Go for 999. Also bigger land and big land is always good when it comes to enbloc in the future.
Go for 999. Also bigger land and big land is always good when it comes to enbloc in the future.
Why is big land better for enbloc?:beats-me-man:
Any more views?
Should I go HDB first then come back 5 years from now? LOL.
I hope my views can help you out....
Assuming that you are already fix on the location.
I can give you one real life eg. When a friend of mine was looking for a place to stay in Jurong, he viewed hdb & condo. That time, getting a condo is within his budget but of cost,there is alway question of risk and so on. Therefore, He decided to fully paid his hdb instead. If you ask me now, I can tell you He regretted....He regretted not wanting to take loan and he regretted not taking risk.
4rm = 230k then, today 430k.
Parc Oasis = 450k then today 900k (smilar size to hdb about 1100sqft)
And if u throw in more, westville (99lh landed) = 850k then today 1.4mil
Do your own calculation and if you can afford, go for it. Assuming the market is still good in 5yrs time :)
I would go for HDB first and come back 2 years later ;)
bakasa2002
21-05-12, 10:21
I would go for HDB first and come back 2 years later ;)
How to come back in 2 yrs if the MOP is 5 yrs?
How to come back in 2 yrs if the MOP is 5 yrs?
Use father mother grandma dog cat 's name to buy:D
Rules may change (I'm being optimistic)... but there's always more than 1 way to skin a cat
For own stay isn't location more important for a term like 10years? 999 or freehold seem tempting but many I seen have rather poor location...
Assuming I want my boy to study a primary school and bought a LH which is <1
Km from it. Is it worth?
I hope my views can help you out....
Assuming that you are already fix on the location.
I can give you one real life eg. When a friend of mine was looking for a place to stay in Jurong, he viewed hdb & condo. That time, getting a condo is within his budget but of cost,there is alway question of risk and so on. Therefore, He decided to fully paid his hdb instead. If you ask me now, I can tell you He regretted....He regretted not wanting to take loan and he regretted not taking risk.
4rm = 230k then, today 430k.
Parc Oasis = 450k then today 900k (smilar size to hdb about 1100sqft)
And if u throw in more, westville (99lh landed) = 850k then today 1.4mil
Do your own calculation and if you can afford, go for it. Assuming the market is still good in 5yrs time :)
is easy to horse back cannon. why don't u said whack uob or dbs shares when they were <$2.
i thk his bottomline is he is able to sleep peacefully all these days. Cheers!
is easy to horse back cannon. why don't u said whack uob or dbs shares when they were <$2.
i thk his bottomline is he is able to sleep peacefully all these days. Cheers!
I offer my views and calculation and risk accessment has to be done by oneself to get LH or 999 or ...:)
Hahaha... if sleep peacefully is the key objective then simple just get something he can fully paid for: )
felicia_sg
23-05-12, 09:15
How to sleep peacefully till old if not enough to retire since asset won't grow?
is easy to horse back cannon. why don't u said whack uob or dbs shares when they were <$2.
i thk his bottomline is he is able to sleep peacefully all these days. Cheers!
How to sleep peacefully till old if not enough to retire since asset won't grow?
zhi chu chang lei....:)
For own stay isn't location more important for a term like 10years? 999 or freehold seem tempting but many I seen have rather poor location...
Assuming I want my boy to study a primary school and bought a LH which is <1
Km from it. Is it worth?
It seems you might already have the answer.
The main thing you should worry about is whether your are paying too high a price if you buy now. If you need the address 5 years later, then time is on your side. If not, and you are comfortable with price, then just do it and don't look back.
zhi chu chang lei....:)
蜘蛛惨了？ ....
is easy to horse back cannon. why don't u said whack uob or dbs shares when they were <$2.
i thk his bottomline is he is able to sleep peacefully all these days. Cheers!
Yea. Agree. If you throw in other things like your friend got retrenched in between, but lucky house fully paid so can sleep peacefully, then his decision will seem correct.
Anyway, why bother with such examples ?
Horse Back Canon (HBC) is the correct description!
DKSG
蜘蛛惨了？ ....
this guy commferm singkaporean!!!:D
For own stay isn't location more important for a term like 10years? 999 or freehold seem tempting but many I seen have rather poor location...
Assuming I want my boy to study a primary school and bought a LH which is <1
Km from it. Is it worth?
I did that... The FH within 1 km only a few and those we saw does not fit our criteria in terms of budget, environment, layout... in that order. We went for one within our budget because we cannot stretch too thin.
Is it worth it? The logistic is much easier. Importantly, we are also closer to work place. So everyone benefits. If you are just moving for the school but more inconvenience to others, then you will have to decide for yourself whether it is worth it.
I suppose I might sell at a loss in future since leasehold value drops. But for now, this decision that serves me best.
Sleepyhead
24-05-12, 16:57
so how? Which did you go for in the end?
there is no right or wrong answer. To each his own. Just wanna kepoh. ;)
buttercarp
24-05-12, 21:35
zhi chu chang lei....:)
蜘蛛惨了？ ....
this guy commferm singkaporean!!!:D
吃猪肠了？。。。。。。
This one lagi Singaporean?
rattydrama
25-05-12, 00:56
I offer my views and calculation and risk accessment has to be done by oneself to get LH or 999 or ...:)
Hahaha... if sleep peacefully is the key objective then simple just get something he can fully paid for: )
your post is a good read as you have provided eg with interesting figures. I have relatives not earning much choose to fully paid their housing loan. In my opinion, should keep the $ and continue to pay the yearly mortgage insurance from HDB since its cheap. Keep $ for rainy days or wait for opportunity.
so how? Which did you go for in the end?
there is no right or wrong answer. To each his own. Just wanna kepoh. ;)
If asking me I am still considering the following options.
1.Grande Vista - 999 years from 1880
Very resort and relax environment. Premium slightly higher than 99years seasons park costing around 1.05-1.1m
Pros - 999years although I probably won't be able to enjoy even 99 years of it. Relax and quiet environment. Spacious land and plenty of carpark lots
Cons - Not as convenience . Target Primary school only within 2km (Anderson primary school) for my boy in 2 years time. More expensive.
Older and outdated design. (Can be fix with $$$)
Not sure can afford or not. Maybe people can share their view?
Income: Single 105k/year Combined 135k/year
Downpayment around $300k
Backup cash around $100k in bank (Assuming FD etc.)
2.Seasons Park Condo - 99 years from 1995
Pros - Nice environment as well. High floor and good view. Slightly cheaper between 950k-1 mil. Within 1 km to target primary school. Newer than GV
Not sure can afford or not. Maybe people can share their view?
Income: Single 105k/year Combined 135k/year
Downpayment around $250k
Backup cash around $150k in bank (Assuming FD etc.)
Cons - Leasehold (Shouldn't matter for now).
3. HDB in woodlands (Executive/EM 15xx sqft above)
Pros - Cheaper Costing around 480-550k + COV 15-25k, Can fully paid within 5 years MOP. Sleep well at night.
Cons - MOP 5 years!!!! And may become missed the boat for PTE if it happen to correct within 5 years which is very likely from my view
Downpay - $250k
Backup cash 180k (Bank and Stocks etc.)
4.HDB in AMK (Near my parent ) - 4Rms flat (85sqm - 95sqm)
Pros - Cheaper Costing around 440k-550k depending how old the flat is. 5xxk for newer like Blk 317A /315A etc (6 years old from 2006) .
Sleep well at night and can fully paid within 5 years
Cons- Small in term of size compare to all above. 5 Years MOP!!!! may become missed the boat.
Personally I still hope for more views and personally I am in favour of HDB 3(Woodlands).
I prefer bigger space but downside is...Very far north which I am staying right now...need to travel down to AMK daily as usual and always jam in SLE.....but I can sleep peacefully and probably invest a private in 5 years time unless price shoot up 100% from now..
All Gurus/Investors/Liao Jiao....any comment?
rattydrama
25-05-12, 01:07
do you currently owning any apartment and do you have any kids, their age?
mind to consider other location?
do you currently owning any apartment and do you have any kids, their age?
mind to consider other location?
Just Sold my House and moving in with Parent for a short while.
Not considering other location except AMK/Woodlands as it is near my parent(Woodlands...err not too bad la.)
蜘蛛惨了？ ....知足常乐... :cheers2:
Allthepies
25-05-12, 07:40
my view will be as such. buy a leashold private near mrt and rent it out, continue to stay with ur parents(provided they allow and u dont mind). the remaining cash go invest in stocks.
rattydrama
25-05-12, 09:05
Just Sold my House and moving in with Parent for a short while.
Not considering other location except AMK/Woodlands as it is near my parent(Woodlands...err not too bad la.)
If travelling is a concern, then it may not be worthwhile to stay in Woodlands. I dont think it will get better in the next few years. Better to stay around your workplace.
But if you have kids, the priority is different, better to stay near parents. And I assume your parent's place is in Woodlands?
For Woodlands, there is no FH condo. Better buy would be the 2 near admiralty MRT, price around 8xxk for a good size unit with full condo facility.
For Yishun, there are 3-4 FH condo/apartment, not near MRT but 2 quite new. I think since FH in Sembawang are limited, there might be more upside. LH Sun Plaza still has good unpside but facilities are limited and not many on sales now.
Personally would prefer FH than LH unless its nr MRT.
If you opt for HDB, you might need to hold on for 5 years and even many years to make $. Future upside is unknown since there are plenty of supplies. No one will buy your resale unless location is good. So might as well keep for rental. If you need to keep for rental, no point to buy 5 room. 4 room is good enough.
1st time Singaporeans willl go for new flats since its not difficult to get now, 5 years later, some will want to upgrade and competition will hit you.
If you are a risk taker, go for private. If price go down by 10% just your luck. Otherwise, buy 4room with good location and accumulate more cash for your next private ppty after 5 years. :mad:
Any more views?
Should I go HDB first then come back 5 years from now? LOL.
4rm is $400k
5rm - $500k
once buy condo, cannot buy hdb liao.. :( (unless you sell hdb la):D
If travelling is a concern, then it may not be worthwhile to stay in Woodlands. I dont think it will get better in the next few years. Better to stay around your workplace.
But if you have kids, the priority is different, better to stay near parents. And I assume your parent's place is in Woodlands?
For Woodlands, there is no FH condo. Better buy would be the 2 near admiralty MRT, price around 8xxk for a good size unit with full condo facility.
For Yishun, there are 3-4 FH condo/apartment, not near MRT but 2 quite new. I think since FH in Sembawang are limited, there might be more upside. LH Sun Plaza still has good unpside but facilities are limited and not many on sales now.
Personally would prefer FH than LH unless its nr MRT.
If you opt for HDB, you might need to hold on for 5 years and even many years to make $. Future upside is unknown since there are plenty of supplies. No one will buy your resale unless location is good. So might as well keep for rental. If you need to keep for rental, no point to buy 5 room. 4 room is good enough.
1st time Singaporeans willl go for new flats since its not difficult to get now, 5 years later, some will want to upgrade and competition will hit you.
If you are a risk taker, go for private. If price go down by 10% just your luck. Otherwise, buy 4room with good location and accumulate more cash for your next private ppty after 5 years. :mad:
Well actually my parent live in AMK and I was previously from woodlands.
I sold my PTE there and wanted to move down to AMK as I been sending my kids up and down....which is very tiring.
I was just not sure if I should go for a PTE there (although I did made some from my sale which could offset the 10%) SP is near yio chu kang mrt though and Anderson Primary school is just next to it.
Those options I am considering are mainly trying to see which option would benefit me most after 10 years from now.
How about 5-room HDB in AMK? How's the price like?
Amk 5rms ard 600k-700k plus. Might as well go condo at other area
rattydrama
26-05-12, 21:07
Amk 5rms ard 600k-700k plus. Might as well go condo at other area
I sent you a private message yesterday. Hope u received.
I sent you a private message yesterday. Hope u received.
Hi yea and I arranged for viewing today. To be honest pretty good!
Just wondering if I can afford...based on your view can I afford it? My income status mentioned in earlier thread
My household annual income is around 104k. We are now aiming for 1.3-1.5mil SGD FH condo.
We are in our mid-thirties, and I have an outstanding loan of 460k with 100k Cash for emergency use.
My household annual income is around 104k. We are now aiming for 1.3-1.5mil SGD FH condo.
We are in our mid-thirties, and I have an outstanding loan of 460k with 100k Cash for emergency use.
With 100k cash how to buy 1.3-1.5mil house ar?
My boss suan me my income cannot buy 1.2mil house....sibei sianz..
I have 180k CPF and 240k cash with no outstanding loan(except stupid car loan 50k by installment.)
After viewing Bullion park i am quite keen..but looking at Europe ...it didn't create a good sentiment for me to buy.
outstanding loan 450k outstanding loan for your income right now is ok...but if add more..won't be too risky meh?
** Paiseh..I am kiasi abit type
With 100k cash how to buy 1.3-1.5mil house ar?
My boss suan me my income cannot buy 1.2mil house....sibei sianz..
I have 180k CPF and 240k cash with no outstanding loan(except stupid car loan 50k by installment.)
After viewing Bullion park i am quite keen..but looking at Europe ...it didn't create a good sentiment for me to buy.
outstanding loan 450k outstanding loan for your income right now is ok...but if add more..won't be too risky meh?
** Paiseh..I am kiasi abit type
Do you have any HDB or private house now? May I know how old are you and your husband/wife?
Do you have any HDB or private house now? May I know how old are you and your husband/wife?
:D :D :D :D this is so funny.
Do you have any HDB or private house now? May I know how old are you and your husband/wife?
He he he..indeed funny..
I am ard 36 (bday over is 36) my wife ard 34
Just sold my Pte
Total CPF + CASH left is ard 450K
Income single - 105k (Last yr)
Combined - 135k ( + wife 30k)
Now no outstanding loan not house..not shit...only can leech on parent for a while...=)
Need to get a place but looking for affordable one near my parent place which is located @ AMK.
But not willing to pay $700k for HDB!!...
So i created my own problem and now looking for some opinions.
As mentioned earlier.
I have a few choices here....just wonder how would others choose for reference as end of the day it will be me making the decision.
1. HDB (Back to woodlands) since 5rooms flat or EA/EM are relatively cheap and probably fully paid by MOP
2.HDB (AMK) ...if want to save up cash for after 5 years..I would probably have to go 4rm flats which is still ok. But...old and expensive imo. good things is near parent lor.
3.Seasons Park - Quite ex but still ok @ 1mil but is a leasehold.
4.Grande Vista - Further up 999 years tenure from 1880. Not too bad..but strike off today after viewing Bullion Park as recommended by rattydrama.
Price 1.05-1.1mil
5.Bullion Park - Freehold, almost as near as Seasons park (slightly further in near landed property) Same advantage as Seasons Park imo with anderson primary school within 1km. (not that the school is super good but near my parent plus not so bad school la)
Price 1.1-1.2mil.
Reason for being so pussy..., my boss said my income not so suitable for such a price tag...hence I also thought...maybe I overstretch....lor.
Asumming Interest rate @ 3-4%...monthly would be around 3.9k for a 1.1mil with 75% loan. so u think risky or not...not everyone think alike so I would like to hear from you guys.
Anyway I will stopped viewing property for the time being...the more I see...the more confused...now locked down to SP/BP/HDB AMK/HDB woodlands can liao...:D :D :D
My :2cents:
I think you can move in with parents in AMK and wait a while. See if any better deal comes along. Property market is not so likely to move up quickly in the next year or so. Especially not for resale condos. Save up a bit more. Wait patiently for a good deal. Keep an eye on the market for your favoured locations.
He he he..indeed funny..
I am ard 36 (bday over is 36) my wife ard 34
Just sold my Pte
Total CPF + CASH left is ard 450K
Income single - 105k (Last yr)
Combined - 135k ( + wife 30k)
Now no outstanding loan not house..not shit...only can leech on parent for a while...=)
Need to get a place but looking for affordable one near my parent place which is located @ AMK.
But not willing to pay $700k for HDB!!...
So i created my own problem and now looking for some opinions.
As mentioned earlier.
I have a few choices here....just wonder how would others choose for reference as end of the day it will be me making the decision.
1. HDB (Back to woodlands) since 5rooms flat or EA/EM are relatively cheap and probably fully paid by MOP
2.HDB (AMK) ...if want to save up cash for after 5 years..I would probably have to go 4rm flats which is still ok. But...old and expensive imo. good things is near parent lor.
3.Seasons Park - Quite ex but still ok @ 1mil but is a leasehold.
4.Grande Vista - Further up 999 years tenure from 1880. Not too bad..but strike off today after viewing Bullion Park as recommended by rattydrama.
Price 1.05-1.1mil
5.Bullion Park - Freehold, almost as near as Seasons park (slightly further in near landed property) Same advantage as Seasons Park imo with anderson primary school within 1km. (not that the school is super good but near my parent plus not so bad school la)
Price 1.1-1.2mil.
Reason for being so pussy..., my boss said my income not so suitable for such a price tag...hence I also thought...maybe I overstretch....lor.
Asumming Interest rate @ 3-4%...monthly would be around 3.9k for a 1.1mil with 75% loan. so u think risky or not...not everyone think alike so I would like to hear from you guys.
Anyway I will stopped viewing property for the time being...the more I see...the more confused...now locked down to SP/BP/HDB AMK/HDB woodlands can liao...:D :D :D
I see.
Why do you sell off your private unit?
I believe you have to wait for 30 months or so in order to get a HDB flat? Have you consider this as well?
Thanks for sharing your situation here.
I am ard 36 (bday over is 36) my wife ard 34
Just sold my Pte
Total CPF + CASH left is ard 450K
Income single - 105k (Last yr)
Combined - 135k ( + wife 30k)
Price 1.1-1.2mil.
How about expenses?
Suppose your monthly expenses is 7k (include allowance to parents, savings for children's higher education, insurance, holiday expenses, your retirement savings)
Annual expenses = 12*7 = 84 K
Annual Spare savings = 135-84 = 51K
Monthly mortgage = 2.5K (1K from CPF, 1.5k cash)
Annual mortgage = 30K
Annual expenses + mortgage = 114K
Deposit on 1M property = 200K
Balance = 250K
Worst case scenario: no income after you have bought the property.
How long can your savings last you?
250 / 114 = 2 years, assuming there is no income starting from now.
You have 2 years' holding power to pay for your living expenses and mortgage, i.e. 2 years to find new source(s) of income. This duration can be further increased if expenditure is reduced.
Each year of working adds 51K of savings or 0.5 year of holding power. This means if you lose your source of income in 2 years' time, your holding power is 3 years. (250K+51K*2 can last you 3 years)
How about expenses?
Suppose your monthly expenses is 7k (include allowance to parents, savings for children's higher education, insurance, holiday expenses, your retirement savings)
Annual expenses = 12*7 = 84 K
Annual Spare savings = 135-84 = 51K
Monthly mortgage = 2.5K (1K from CPF, 1.5k cash)
Annual mortgage = 30K
Annual expenses + mortgage = 114K
Deposit on 1M property = 200K
Balance = 250K
Worst case scenario: no income after you have bought the property.
How long can your savings last you?
250 / 114 = 2 years, assuming there is no income starting from now.
You have 2 years' holding power to pay for your living expenses and mortgage, i.e. 2 years to find new source(s) of income. This duration can be further increased if expenditure is reduced.
Each year of working adds 51K of savings or 0.5 year of holding power. This means if you lose your source of income in 2 years' time, your holding power is 3 years. (250K+51K*2 can last you 3 years)
So this stand for affordable or not affordable? If yes it sure diff from my boss defin...
Anyway thanks!
I see.
Why do you sell off your private unit?
I believe you have to wait for 30 months or so in order to get a HDB flat? Have you consider this as well?
Thanks for sharing your situation here.
Eh...to Relocate and Cash out. Some say backside itchy...but I think i really need to move to AMK more feasible...every morning is such a pain now...at least until my kids grown up..which still got 4 yrs plus to go...
So this stand for affordable or not affordable? If yes it sure diff from my boss defin...
Anyway thanks! Yes, affordable. Your boss doesn't know the amount of cash you have, does he? :D
If estimation of your expenditure is close. 2 years to find a new job is long! Most people under 40 yrs old should be able to find new job in <1 year, unless you are facing structural unemployment (e.g. job function relocate overseas).
But depends on how many years more you think you want to and can work. Employees get replaced by younger ones. I estimate forced retirement (want to work but unable to find a suitable job - suitable meaning something with salary and job scope similar to previous job) age to be somewhere between 45-50. So if you save 20k per year (minus mortgage 30k per year) and you only have 10 years left to work, you only saved 200k - not enough to pay up in full and have money to retire. Not that you have to pay up in full but you will have to find ways to get money to pay the mortgage (e.g. rent out a room) or liquidate and move elsewhere.
Yes, affordable. Your boss doesn't know the amount of cash you have, does he? :D
If estimation of your expenditure is close. 2 years to find a new job is long! Most people under 40 yrs old should be able to find new job in <1 year, unless you are facing structural unemployment (e.g. job function relocate overseas).
But depends on how many years more you think you want to and can work. Employees get replaced by younger ones. I estimate forced retirement (want to work but unable to find a suitable job - suitable meaning something with salary and job scope similar to previous job) age to be somewhere between 45-50. So if you save 20k per year (minus mortgage 30k per year) and you only have 10 years left to work, you only saved 200k - not enough to pay up in full and have money to retire. Not that you have to pay up in full but you will have to find ways to get money to pay the mortgage (e.g. rent out a room) or liquidate and move elsewhere.
Thanks..after much consideration I think in singapore location rule regardless leasehold or FH/999 unless it is landed.... For condo..I think location is more important at least not before the lease came to < 60 years.
So probably going for SP...any previous owner/existing owner to share their experience? Seen the project and pretty like it...not too sure how the MCST
Sleepyhead
08-06-12, 22:40
I can assure you the MCST is fantastic!
Congratulations on your decision. :)
:cheers5:
I can assure you the MCST is fantastic!
Congratulations on your decision. :)
:cheers5:
Woo..:scared-1: Really? You living there now or sold already? If there which tower ? ha ha ha next time maybe can chit chat abit
Woo..:scared-1: Really? You living there now or sold already? If there which tower ? ha ha ha next time maybe can chit chat abit
Congratulation!
Would you mind sharing with me on your purchased price, loan tenure, interest rate, and monthly installment amount, maintenance charges etc?
Thanks in advance.
Congratulation!
Would you mind sharing with me on your purchased price, loan tenure, interest rate, and monthly installment amount, maintenance charges etc?
Thanks in advance.
This is a leasehold la. Loan wise use property guru easily known
Price is 1mil 80% loan. Interest at 0.88 plus sibor with capped at 1.49 max for the next 3 years. Monthly ard 2.2k.
*good luck to ur fh hunting. I almost went for a fh but end of the day I wonder if I really can enjoy the fh? That's y in the end went for something more realistic. This place is freakIng near my parent so it will also achieved living with parent also. At least at my comfort zone
This is a leasehold la. Loan wise use property guru easily known
Price is 1mil 80% loan. Interest at 0.88 plus sibor with capped at 1.49 max for the next 3 years. Monthly ard 2.2k.
*good luck to ur fh hunting. I almost went for a fh but end of the day I wonder if I really can enjoy the fh? That's y in the end went for something more realistic. This place is freak
2.2kSGD installment is reasonable.
2.2kSGD installment is reasonable.
That's if interest stay at 1.49 la. I always take 4 percentage and that would be 3.3k
That's if interest stay at 1.49 la. I always take 4 percentage and that would be 3.3k
3.3kSGD with your household income of 140-150kSGD, it is fine.
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