anything pasal HOUSING

chicsee

Originally posted by matz_rockz at 21-6-2005 04:32 PM:
kalo you young couple  baru kawin....don't over do on the reno.

biar lah sederhana...and most importantly...

please jangan banyak berhutang.....

i rather spend on the kids education,than s ...

:setuju::setuju::setuju:

Semua orang nak rumah idaman yg cantik, tapi biar yg termampu....:ah:

Elise2004_111R

Originally posted by matz_rockz at 21-6-2005 16:32:
kalo you young couple  baru kawin....don't over do on the reno.

biar lah sederhana...and most importantly...

please jangan banyak berhutang.....

i rather spend on the kids education,than s ...

though we have tinggal kat umah ni abt a year, it is only this year yg kitorang plan nak reno umah, mostly on the flooring.

thanks for the advice bang mat - dat's our intention, tak mo spend too much with reno... in fact rumah yg kami pindah ni pun kami tak buat any reno, my hubby just clean and repaint the whole house je! cuma flooring je rasa cam nak kena tukar sebab mata sakit sey tengok, previous owner tak jagalah rumah ni... haiz nasib, we chose the house pun sebab me want a corner house, sebab penakut punya pukulanlah ni, kalau koridor, takut ada orang lalu lalang especially salesman :bgrin:

hutang mmg not in our dictionary - we just buat ikut kemampuan kami :bgrin:

deaf4ever

Originally posted by chicsee at 21-6-2005 04:32 PM:


Ko cakap pasal ni, Chic pun ada experience masa reno rumah yg baru pindah ni. Orang bawah punya toilet, dia punya ceiling sampai bocor ke apa entah la...nasib baik my contractor gentleman, dior ...

Maybe ko untung, ko dapat good contractor..

Ada contractor eh, tak boleh solve, then pulak ko dapat neighbour bawah rumah yang macam siot, tak habis2 komplen HDB as if nothing done, tu la datangnye stress...

Aku pernah nampak ada rumah, ceiling leak dia, dah jadi cam limestone cave. Dah crystalise dah...cam icicle tau....

chicsee

Originally posted by deaf4ever at 21-6-2005 04:43 PM:


Aku pernah nampak ada rumah, ceiling leak dia, dah jadi cam limestone cave. Dah crystalise dah...cam icicle tau....

Memang my contractors bagus la Dep. Very professional. Aku dah recommend diorang to a few of my frens. Semua very satisfied....

Yg pasal toilet macam limestone cave tu aku pernah nampak Dep. Time tu masih tengah tengok2 rumah. Abih ada satu rumah tu, diorang dah buat toilet pat master bedroom diorang jadi store room tau. Tak pernah dibuat orang sey....habis semua ceiling diorang dah crystallize and hitam....geli sey...

deaf4ever

Originally posted by chicsee at 21-6-2005 04:55 PM:


Memang my contractors bagus la Dep. Very professional. Aku dah recommend diorang to a few of my frens. Semua very satisfied....

Yg pasal toilet macam limestone cave tu aku pernah nampak Dep. ...

kalo kata ko pegi survey rumah then nampak ceiling cam gitu...
ko think twice...

ok, the seller mesti cakap " since I dont use it, its ok , its a store room, you can just get a contractor to repair "...
cakap senang, tapi just imejin problem tak boleh solve....lepas dua tiga bulan reoccur, menangis tak berlagu ko....

Kadang2 dah icicle, jadi fungus la tu hitam2....eiiii aku bleh imejin sey :malu::malu:

gadis_aries

Originally posted by Elise2004_111R at 21-6-2005 04:02 PM:


bang matz - dunno whether i'll doing major or minor reno - depending pada quotations

dep - thanks for the info.... guess nak kena ada hacking, luckily ko explain kalau tak sesia je kena bubble dgn contractor...

But then again, i heard there's i do not know what term these contractor used, instead of hacking, they just pile the new tiles onto your old one - anybody ada experience or heard abt this?

Yup, like chic say ianya di panggil "overlay".  Tahun lepas Aries renovate my 2 toilets so I just ask the contractor to overlay the tiles in the 2 toilets.l

Elise2004_111R

thanks chic n g_aries..... will start surveying for the contractor now... ;)

gadis_aries

Originally posted by Elise2004_111R at 21-6-2005 04:43 PM:


though we have tinggal kat umah ni abt a year, it is only this year yg kitorang plan nak reno umah, mostly on the flooring.

thanks for the advice bang mat - dat's our intention, tak mo spend too much with reno... in fact rumah yg kami pindah ni pun kami tak buat any reno, my hubby just clean and repaint the whole house je! cuma flooring je rasa cam nak kena tukar sebab mata sakit sey tengok, previous owner tak jagalah rumah ni... haiz nasib, we chose the house pun sebab me want a corner house, sebab penakut punya pukulanlah ni, kalau koridor, takut ada orang lalu lalang especially salesman

Bukan aje pasal salesman Elise....no privacy langsung....dulu Aries pun penah tinggal corridor...ish..tak boleh nak buka tingkap langsung

chicsee

Originally posted by gadis_aries at 22-6-2005 09:26 AM:


Bukan aje pasal salesman Elise....no privacy langsung....dulu Aries pun penah tinggal corridor...ish..tak boleh nak buka tingkap langsung

:setuju::setuju::setuju:

Chic pun tak suka corridor....bukan apa lah tapi kita pat rumah kan nak pakai yg comfortable, tengok tv baring2 kenkadang....kalau tinggal rumah yg corridor orang jalan mesti nak jenguk ke dalam....tak best ah...

rosslyn

Elise..kalau you buat over-lay, the cost is lower...sebab u takyah nak hack flooring you tu...but still depends on your budget..

if you ade kawan or relative yg boleh recommend kat u satu, tu lagi better..

during my time..i didn't do much reno, like u ..i pun tak suka berhutang...
dah 4 years stay, i pasang PERGO ajer for all my bedroom...tulah yg termampu..

herokampong

Originally posted by gadis_aries at 22-6-2005 09:26:
Bukan aje pasal salesman Elise....no privacy langsung....dulu Aries pun penah tinggal corridor...ish..tak boleh nak buka tingkap langsung

Kalau rumah lama, cuma rumah 'corner' je yang tingkap tak depan corridor. Tu yang best.

Yang later punyer rumah (10 tahun lepas gitu).... dorang ader yg design block yang kira semua unit pat block tu takder tingkap yang menghadap korridor.... tapi ni rumah kalau kita masok pat dalam mesti gelap....

deaf4ever

Ni important ni pasal makan.....:love::love:
Aku salin eh tulisan sokkabar smalam....ada facts on HDB Household.


There are no hawker centres in these estates
Punggol
Sengkang
Sembawang
Choa Chu Kang
Bukit Panjang
Pasir Ris
Serangoon
Bukit Batok

Kesian siot sapa tinggal sini takde hawker center

gadis_aries

Revised Housing Loan Limit and Downpayment for Purchase of HDB flats

As announced by the Minister (ND) in Parliament on 19 July 2005, HDB will revise upwards the housing loan limit for HDB concessionary loans with immediate effect, in tandem with the upward adjustment of mortgage financing limit by banks and financial institutions.

Revisions to Housing Loans Guidelines
2) The Government has announced the following revisions to the housing loans guidelines for banks and financial institutions:
(a)Financing limit: Loan-To-Value Limit to increase from 80% to 90% of Value1 of Property.

(b)Cash Requirement: Lowered from 10% to 5% of Value.

Housing Loans From HDB for Purchase of HDB Flats
3)In line with these revisions, HDB will also revise its guidelines for granting HDB housing loan as follows:

(a)Downpayment for Purchase of Flats
The downpayment will be reduced from 20% to 10% of the Value. The 10% downpayment is fully payable with CPF monies as per existing policy.

(b)Housing Loan Ceiling
The housing loan ceiling will be raised from 80% to 90% of the Value, subject to credit assessment and full utilisation of CPF monies before loan disbursement.

Housing Loans From Banks for Purchase of HDB Flats
4As announced, under the revised housing loans guidelines, HDB flat buyers will pay a lower 10% downpayment and can obtain a mortgage loan up to the 90% financing limit from banks and financial institutions.

5The original plan was for the 10% cash downpayment for HDB flats financed with bank loans to be phased in over a period of 5 years, with a 2% increase each year starting from 1 Jan 2004. Currently, the cash portion of the downpayment is 4%. Under the revised guidelines, buyers of HDB flats who are taking bank loans will eventually have to pay 5% downpayment in cash. The last 1% increase will take effect from 1 Jan 2006.

Staggered Downpayment Scheme
6Currently, young couples who book a flat from HDB that is under construction can qualify for HDB抯 Staggered Downpayment Scheme. Under the Scheme, they can pay the downpayment in two instalments

chicsee

Originally posted by deaf4ever at 22-6-2005 07:57 PM:
Ni important ni pasal makan.....
Aku salin eh tulisan sokkabar smalam....ada facts on HDB Household.


There are no hawker centres in these estates
Punggol
Sengkang
Sembawang
Choa Chu Kang
Bukit Panjang
Pasir Ris
Serangoon
Bukit Batok

Kesian siot sapa tinggal sini takde hawker center

Dep, aku baru terbaca posting ni...tempat aku tinggal dulu ada Banquet and kedai kopi bawah blok banyak jugak....or is that not considered hawker ctr? :stp:

chicsee

Originally posted by gadis_aries at 20-7-2005 11:46 AM:
Revised Housing Loan Limit and Downpayment for Purchase of HDB flats

As announced by the Minister (ND) in Parliament on 19 July 2005, HDB will revise upwards the housing loan limit for H ...

Lepas ni mesti ramai yg nak upgrade pte property and condo....:ah:

deaf4ever

Originally posted by chicsee at 20-7-2005 12:15 PM:


Dep, aku baru terbaca posting ni...tempat aku tinggal dulu ada Banquet and kedai kopi bawah blok banyak jugak....or is that not considered hawker ctr? :stp:

tu bukan hawker center ah....tu semua dah up sikit....

hawker center ni pusat penjaja aje...

deaf4ever

Originally posted by chicsee at 21-7-2005 10:10 AM:


Kedai kopi up ke?

ha ah ...kedai kopi aku agak sewa lagi mahal ....
hawker center gamen kontrol...

then hawker center ko nak makan apa , nak duk mana, nak buat apa semua boleh...

kedai kopi, ko tak order air, apek dah jeling, ko lagi bawak air mineral water sendiri pasal budget, apek air nengok cam nak makan...

gadis_aries

Retrofit Your Windows Now
1)aluminium casement windows fitted with aluminium rivets which are 5 years old or more have to be retrofitted with stainless steel rivets by 30 September 2005.
2)aluminium casement windows fitted with aluminium rivets that are less than 5 years old have to be retrofitted before they reach the 5th year or by 30 September 2005, whichever is later.

Kawan

deaf4ever

Originally posted by gadis_aries at 22-7-2005 05:18 PM:
Retrofit Your Windows Now
1)aluminium casement windows fitted with aluminium rivets which are 5 years old or more have to be retrofitted with stainless steel rivets by 30 September 2005.
...

rumah parents aku tak payah kot, tingkap lama nye design...

Hari ni masuk sokkabar melayu porum HDB jawab lagi pasal more cases of HDB residents lagi sikit nak kena tipu ngan kontraktor pasal benda kejadah ni.

dilah21

Originally posted by gadis_aries at 22-7-2005 05:18 PM:
Retrofit Your Windows Now
1)aluminium casement windows fitted with aluminium rivets which are 5 years old or more have to be retrofitted with stainless steel rivets by 30 September 2005.
...

mine kita ader panggil org tu pasajg rivets tu jugak.. i tink last 2 months gaknyer~