Ody_2004 Turbocharged September 20, 2020 Share September 20, 2020 24 minutes ago, Albeniz said: Xmm teaching how to make magic money from multiple properties. All of you mean Germaine from I -Quadrant ah? she not xmm leh.. mother of 2.. but still look yummy! whahahahahaha.. ↡ Advertisement 1 Link to post Share on other sites More sharing options...
Albeniz Turbocharged September 20, 2020 Author Share September 20, 2020 40 minutes ago, inlinesix said: Chio meh? Mai hiam baey pai. Link to post Share on other sites More sharing options...
Throttle2 Supersonic September 20, 2020 Share September 20, 2020 2 hours ago, Enye said: wah ... mcf property gurus already said defer payments not because cash flow problem lah ah gong nice enough to grant debt holiday, apply liao take the cash saved during this period and invest in other instruments to make another 50-100% capital gains property gurus jin smart one ... will never lose $ 👍💪 Yes very cunning , defer payment and use the 6 months of deferment worth $30k to make $300k !!! pei fu pei fu!!! These property gurus are really the champs. Link to post Share on other sites More sharing options...
inlinesix Hypersonic September 20, 2020 Share September 20, 2020 15 minutes ago, Albeniz said: Mai hiam baey pai. Whenever I see her face, I TL. Her ads interrupt me Link to post Share on other sites More sharing options...
Albeniz Turbocharged September 20, 2020 Author Share September 20, 2020 (edited) 13 minutes ago, Throttle2 said: Yes very cunning , defer payment and use the 6 months of deferment worth $30k to make $300k !!! pei fu pei fu!!! These property gurus are really the champs. 四兩撥千斤 The power of leveaging. Muahahaha. Edited September 20, 2020 by Albeniz Link to post Share on other sites More sharing options...
Throttle2 Supersonic September 20, 2020 Share September 20, 2020 4 minutes ago, Albeniz said: 四兩撥千斤 The power of leveaging. Muahahaha. They are so magical and mystical. Oh wow..... Link to post Share on other sites More sharing options...
Ody_2004 Turbocharged September 20, 2020 Share September 20, 2020 18 minutes ago, inlinesix said: Whenever I see her face, I TL. Her ads interrupt me Well for me it is better to see her than the stupid socks talking abt cheap cheap curipok! KNN don wanna do my biz and keep popping up on the ads! 😡 1 Link to post Share on other sites More sharing options...
Throttle2 Supersonic September 20, 2020 Share September 20, 2020 (edited) 4 hours ago, Icedbs said: Even if someone wants to be in the game, the choice is not his, unless he doesn't take loan. The choice lies with the bank. Only the bank can decide if that person qualifies for the loan to buy the property. And with TDSR, LTV, interest rate based on 3.5%, that eligibility is not low. So if we want to talk about property ownership through loan, it is not like anyone can just walk into a bank, take a loan and buy a property that is beyond his means. You think banks really know? The sales people will do anything within the “guidelines” for a deal. if banks know, the NPL wouldnt be so high. When you peel the orange then you realise the worms inside ler.... “Beyond his means” ? His means is also based on many question marks and speculative income hor..... Seems like a lot of pilots need to tighten belts now. I unemployed bum lagi need to tighten already hai. One char siew siew yok fan no siew yok please! 🥺😪😢 Edited September 20, 2020 by Throttle2 Link to post Share on other sites More sharing options...
inlinesix Hypersonic September 20, 2020 Share September 20, 2020 1 minute ago, Throttle2 said: You think banks really know? The sales people will do anything within the “guidelines” for a deal. if banks know, the NPL wouldnt be so high. When you peel the orange then you realise the worms inside ler.... “Beyond his means” ? His means are base on many question marks hor..... Seems like a lot of pilots need to tighten belts now. I unemployed bum lagi need to tighten already hai. One char siew siew yok fan no siew yok please! 🥺😪😢 Credit Bureau Report shows no of outstanding loan Link to post Share on other sites More sharing options...
Throttle2 Supersonic September 20, 2020 Share September 20, 2020 (edited) 5 minutes ago, inlinesix said: Credit Bureau Report shows no of outstanding loan Property huat ah! Such exciting times , my brotherhood membership skyrocketted in the last 6mths compared to last 3 yrs.... nice to have so many members join me Edited September 20, 2020 by Throttle2 Link to post Share on other sites More sharing options...
Icedbs Turbocharged September 20, 2020 Share September 20, 2020 3 minutes ago, Throttle2 said: You think banks really know? The sales people will do anything within the “guidelines” for a deal. if banks know, the NPL wouldnt be so high. When you peel the orange then you realise the worms inside ler.... “Beyond his means” ? His means is also based on many question marks and speculative income hor..... Seems like a lot of pilots need to tighten belts now. I unemployed bum lagi need to tighten already hai. One char siew siew yok fan no siew yok please! 🥺😪😢 Car loans, bank loans, credit card loans are all at the credit bureau. One check and the bank will know it. Sales people can talk all they want, but they will not be able to perform miracle to get the bank to loan more to their clients. At least I have never seen it. If they find ways to flout the guidelines (recommending money lender for eg) , then they better prepare to lose their license + heavy fine. Link to post Share on other sites More sharing options...
Throttle2 Supersonic September 21, 2020 Share September 21, 2020 11 hours ago, Icedbs said: Car loans, bank loans, credit card loans are all at the credit bureau. One check and the bank will know it. Sales people can talk all they want, but they will not be able to perform miracle to get the bank to loan more to their clients. At least I have never seen it. If they find ways to flout the guidelines (recommending money lender for eg) , then they better prepare to lose their license + heavy fine. Well to begin with, car loans, credit cards , housing etc are by no means stringent today. they may be tougher than previously but still easy peasy. i never talk about them flouting guidelines leh. The guidelines are loose enough, no need to flout. base on what you say, banks shouldnt hv any default whatsoever on loans to private individuals....😀 whatever credit bureau , banks know is all historical not quite forward looking. Bottomline is the borrower himself. And How he assesses his own true credibility becos he knows his own personal situation best. Dont be blinded or taken fully by the System. You should be more experienced than that. Sales people just need to convince people to max out, no need to flout rules. Make people feel rich. Spend, max out. Then when kena margin call, your dai ji..... 2 Link to post Share on other sites More sharing options...
Throttle2 Supersonic September 21, 2020 Share September 21, 2020 Back to topic foreign students with bond buaysong with how Govt handles the situation. Fully understandable https://www.todayonline.com/singapore/international-students-singapore-government-bond-unable-find-job-desperate-help?cid=emarsys-today_TODAY's morning briefing for Sept 21, 2020 (ACTIVE)_newsletter_21092020_today 1 Link to post Share on other sites More sharing options...
Mockngbrd Supersonic September 21, 2020 Share September 21, 2020 Fren kpkb expat tenants run road 4 Link to post Share on other sites More sharing options...
Wt_know Supersonic September 21, 2020 Share September 21, 2020 (edited) 35 minutes ago, Throttle2 said: Back to topic foreign students with bond buaysong with how Govt handles the situation. Fully understandable https://www.todayonline.com/singapore/international-students-singapore-government-bond-unable-find-job-desperate-help?cid=emarsys-today_TODAY's morning briefing for Sept 21, 2020 (ACTIVE)_newsletter_21092020_today ah gong open leg door too wide too long ... now all come back to bite? Edited September 21, 2020 by Wt_know 3 2 Link to post Share on other sites More sharing options...
t0y0ta Supercharged September 21, 2020 Share September 21, 2020 19 minutes ago, Mockngbrd said: Fren kpkb expat tenants run road Can makan their multi-month deposit lah.... not so bad 1 Link to post Share on other sites More sharing options...
t0y0ta Supercharged September 21, 2020 Share September 21, 2020 44 minutes ago, Throttle2 said: Back to topic foreign students with bond buaysong with how Govt handles the situation. Fully understandable https://www.todayonline.com/singapore/international-students-singapore-government-bond-unable-find-job-desperate-help?cid=emarsys-today_TODAY's morning briefing for Sept 21, 2020 (ACTIVE)_newsletter_21092020_today Better to give help and leeway to these folks than to continue to open-leg to CECAians coming in with questionable degrees and experiences. 2 Link to post Share on other sites More sharing options...
Throttle2 Supersonic September 21, 2020 Share September 21, 2020 32 minutes ago, Mockngbrd said: Fren kpkb expat tenants run road Oooohh....song....can makan the one month deposit ? Expat from where , man? Heh heh ↡ Advertisement 1 Link to post Share on other sites More sharing options...
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