Tuesday, September 22, 2009
Saturday, September 19, 2009
My flat sold!
Yesterday, the buyer came over with his wife and we had a chat for two hours. The flat was sold for $350k. He left a $1k deposit and will come up with the $4k when someone puts a deposit down for his flat. We will give the leather sofa to him as we can't move it out of the house unless we dismantle three of the wooden beams at the doors. Finally, done deal.
Our first appointment with HDB for the flat we purchased in Pasir Ris is on 1 Dec 2009 at 10.30am. We will need to come up with $20k to pay HDB.
Saturday, September 12, 2009
Arrival of the first interested buyers
Today, I was teaching class the whole day. Ended the class at 4.50pm. Today, Joseph advertised in the Straits Times. I saw the brief three line ad.
I called him during lunch time and he told me that two groups have made an appt with him to view my flat at 3pm and 3.40pm.
After class, my wife called. She told me that 3 groups came to see our flat. First was an Indian family and the third one was a couple from China in their 30s. She told me that the couple had made us an offer for $330k.
I called Joseph at 7 plus. He told me that the Indian family was also interested as their agent called to indicate their interest. Now, he is waiting for their offer to top $330k.
I called him during lunch time and he told me that two groups have made an appt with him to view my flat at 3pm and 3.40pm.
After class, my wife called. She told me that 3 groups came to see our flat. First was an Indian family and the third one was a couple from China in their 30s. She told me that the couple had made us an offer for $330k.
I called Joseph at 7 plus. He told me that the Indian family was also interested as their agent called to indicate their interest. Now, he is waiting for their offer to top $330k.
Friday, September 11, 2009
Floor plan of the Maisonette
Last night, Joseph came over to collect the HLE letter from me. The total approved loan amount is $558k. But, I don't need that much. Jo said he will arrange the first appointment at the end of Nov 2009. We will have ten days after the 1st appt to pay HDB the COV. The second appt will most likely be at the end of Dec 2009 or early 2010. After the owner had handed over the keys, we will need two months for renovation. So, most likely, the move in date is around late March, just like this year when I moved into my current flat. Move house twice in a year. Haha.
Jo will advertise my current flat in this Sat, 12 Sep 2009 newspaper. Our valuation for this flat is $308k. I am asking for COV of $50k because of the renovation money I had poured into it.
Saturday, September 5, 2009
HLE loan application
I applied for a HLE online and faxed over to HDB the required documents on 27 August 2009. The HDB officer called me up on 1 Sep 2009, saying that they will require me to fax over my wife's e-payslip from June 2008 to May 2009 as well. I thought they only asked for 3 months e-payslip and that was what I faxed over. Their rationale is that that they wanted a breakdown of my wife's basic pay and flying allowance which the CPF statement did not provide.
I wrote an email to Cathay Spore base manager and asked for her help. This lady is totally unhelpful at all. She told my wife that if everybody asks to retrieve their e-payslip, she will be very busy. She said that she was a property agent last time and she can write a letter from Cathay stating the income for the period stated.
I checked with HDB but that will not suffice. They needed the e-payslip or else a letter from Cathay detailing the breakdown of basic pay and allowances month by month. My wife asked her again and she refused to do anything for us.
I was really fed up with this kind of working atitude. How much of a role model is she to the rest of the colleagues in the office? How did she get promoted to be the Spore base manager in the first place? This must have been a fluke!
My wife told me she saved some e-payslips for 2008 in her old NEC computer. I took it out and was so happy to see the e-payslips. But alas, I was not able to burn the info onto a disc, the USB port was not working, the wireless connection did not work and the computer rebooted at least 20 times in the one hour that I tried to retrieve the info. I gave up. I took the hard disk out and went to buy an external casing at Challenger store for $45. Ouch!!! That's expensive!!! Tears almost came down when I came home and printed it. Finally, mission accomplished. All thanks to that extremely unhelpful manager in Cathay.
I faxed the additional documents to Cathay the next morning (4 Sep 2009). I called up the HDB officer and she promised to expedite the process for me as I told her that it is urgent. Now, I can only pray to God that everything will run smoothly from now on. So, help me God. Amen.
I wrote an email to Cathay Spore base manager and asked for her help. This lady is totally unhelpful at all. She told my wife that if everybody asks to retrieve their e-payslip, she will be very busy. She said that she was a property agent last time and she can write a letter from Cathay stating the income for the period stated.
I checked with HDB but that will not suffice. They needed the e-payslip or else a letter from Cathay detailing the breakdown of basic pay and allowances month by month. My wife asked her again and she refused to do anything for us.
I was really fed up with this kind of working atitude. How much of a role model is she to the rest of the colleagues in the office? How did she get promoted to be the Spore base manager in the first place? This must have been a fluke!
My wife told me she saved some e-payslips for 2008 in her old NEC computer. I took it out and was so happy to see the e-payslips. But alas, I was not able to burn the info onto a disc, the USB port was not working, the wireless connection did not work and the computer rebooted at least 20 times in the one hour that I tried to retrieve the info. I gave up. I took the hard disk out and went to buy an external casing at Challenger store for $45. Ouch!!! That's expensive!!! Tears almost came down when I came home and printed it. Finally, mission accomplished. All thanks to that extremely unhelpful manager in Cathay.
I faxed the additional documents to Cathay the next morning (4 Sep 2009). I called up the HDB officer and she promised to expedite the process for me as I told her that it is urgent. Now, I can only pray to God that everything will run smoothly from now on. So, help me God. Amen.
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