HDB REsales price

[Animian]

Too ex for me, I'm like wat u say

My head is small not into big hat which my wife trying to coerce me into

Bought a 5 rm hdb instead

 

I scare of loan, not a guy with big plans

 

so you utiliizing your 2 chances with hdb ...not bad deal also

 

those pple who bought esparina all laughing their way to future bank...jewel next door selling >$1.6K psf

[BlueOldMan]

up and coming...estate. But $600k is good aldy. Set a price tgt and dun look back once sell. Never catch a falling knife too. Be contented with what ever profit u have made....and remmeber to thank hdb for it [laugh]

I agree it's gd enuff oreadi

But I got a dog so renting is quite a problem

 

[BlueOldMan]

dun sell your only roof just to make the money now...u might as well let it appreciate 2 more years

 

Appreciate? Later become 450

Kiss goodbye 150

[Animian]

Appreciate? Later become 450

Kiss goodbye 150

 

so must see whether u dare to gamble or not lolz

[BlueOldMan]

so you utiliizing your 2 chances with hdb ...not bad deal also

 

those pple who bought esparina all laughing their way to future bank...jewel next door selling >$1.6K psf

Yup was thinking ec n 5 room but I wan to have bigger space to relax so I picked 5 room n no nd Loan

If ec will be smaller n need to take loan

 

Yup my sis bought vue8 n my cousin bought jewel

Me most lousy

[BlueOldMan]

so must see whether u dare to gamble or not lolz

Haha I'm monitoring closely, simi movement only I put up for sale

 

N my buddy looking at lush arces, if he can get it

I walk short distance can njoy bigger house n facilities Liao

Hahaha

[Joseph22]

why u dun put more simple way? 2.5% owe vs 2.6% paid and balance off the difference is 0.1% a year in easier way to understand...

If u put it that way. Ppl will only think about 2.6%

Tried it before most ppl only see the larger number.

[Coltplussport]

For those taking HDB loan, it is better to stretch your loan to the full tenure. Pay as slowly as you can and DO NOT lump sum your money. Why?

 

1)HDB loan rate and CPF ordinary rate differ by just 0.1% as mention.

 

2)with excess inside the ordinary account,it can help you tide over difficult period without coughing out cash for monthly instalment (when you get retrenched).

 

3)with excess money in ordinary account, you can use it to upgrade to a better home as money left over can be use as part of the down payment.

 

4)first 60k in the CPF earns you 1% more interest at the moment, so it is actually better to have up to 20k inside your ordinary account.

[BlueOldMan]

If u put it that way. Ppl will only think about 2.6%

Tried it before most ppl only see the larger number.

Bro no offense meant, bro freestyle easier to read

[Joseph22]

Wa bro first house u do research Liao? Respect

That x I was 23 n blur blur simi oso ok jus get a cheap flat over the head

Never do any research at all

Lucky stupid pple got stupid luck

This estate is blooming unexpectedly

I have to count carefully.

I don't gamble don't buy 4D don't do illegal business

 

Money won't fall from sky one.

Plus I don't like to take risk. Best way is to be prudence in the way I handle my cash

[Joseph22]

Bro no offense meant, bro freestyle easier to read

Yeah. But that is why he is freestyle I am j22. Different style

Anyway. To add on. The 2.6% is ever decreasing while the 2.5% is always increasing so the margine over 30 years is lesser than 0.1% but only slightly.

[Scholesy]

if you loan from CPF to buy shares, i though we only need to return the number plus interest incur. which is current 2.4% (or was it 2.5%)???

 

buy shares no need to return the interest. only use to buy ppty, then need to return the 2.5% interest when sell.

if goalpost change again pls feel free to correct.

[BlueOldMan]

I have to count carefully.

I don't gamble don't buy 4D don't do illegal business

 

Money won't fall from sky one.

Plus I don't like to take risk. Best way is to be prudence in the way I handle my cash

 

No wonder la, good man respect

I sb Jiak luk, do all that you dun do haha

Risk taker

 

Anyway gd luck to all

Cheers to long week end

[Joseph22]

buy shares no need to return the interest. only use to buy ppty, then need to return the 2.5% interest when sell.

if goalpost change again pls feel free to correct.

Ah okay. Under stood. I will go confirm though. Better to double check then later we both lugi.

[Scholesy]

this being a car forum ... i would tot most pple in here hit more than 6K else how to own car har ?

 

oh no pls dun start another how much to own car....I was earning 2.7k when I own my first car a coe presea paying $420 per mth n I stil give my parents $500 a mth. but ok tat was 8 yrs ago when i draw $50 fr ATM can last me 1 week.

[Scholesy]

where else can you get a loan to buy share at 2.6% p.a with no repayment schedule ?

 

haha ok ok im not going into the efficiency of debt. my reply was just it is not 0.1% cost.

[BlueOldMan]

oh no pls dun start another how much to own car....I was earning 2.7k when I own my first car a coe presea paying $420 per mth n I stil give my parents $500 a mth. but ok tat was 8 yrs ago when i draw $50 fr ATM can last me 1 week.

Wa lau memories.... I was earning 2200 n paying 700+ for my ex ex cs3 hor

Cham ar Cham ar

 

But yeah, 50$ can last long on food but 2-3 jug finish Liao

[Scholesy]

Wa lau memories.... I was earning 2200 n paying 700+ for my ex ex cs3 hor

Cham ar Cham ar

 

But yeah, 50$ can last long on food but 2-3 jug finish Liao

 

wah u more hiong than me....but ya those days cost of living so predictable. even pak tor on weekends $50 settle simple restaurant meal plus movies. parking in city also per entry so 2.7k steady to own car.....8 yrs ago