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November 2017 SBF

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Old 03-07-2018, 04:49 PM   #2206
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Yes.. Bank will only process with quotation from ID. anyway the contact i gave you.. he has a banker liaise. so once quote finialize u ok with it.. he will ask his banker to contact you.. then from there apply loan and proceed. So is really one stop shop la..
Wow.. nice la.. u aso using him?
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Old 03-07-2018, 05:03 PM   #2207
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I wonder how they calculate the grant. Take 12 months total income and divided by 12 months? But they requested for my 13 months payslips
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Old 03-07-2018, 05:15 PM   #2208
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I wonder how they calculate the grant. Take 12 months total income and divided by 12 months? But they requested for my 13 months payslips
hmmm i think its combined income per month... average out by 12 months... their website got the table... diff income diff grant amount allocated....

i want my keeeeeeeeeeeeeeeeys hais
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Old 03-07-2018, 05:18 PM   #2209
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I wonder how they calculate the grant. Take 12 months total income and divided by 12 months? But they requested for my 13 months payslips
HDB say they dont include AWS/ 13th bonus/ profit sharing or overtime into account but 90% of my friends told me it was the opposite for them... everything also calculate end up they get grant amount so much lesser than expected.
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Old 03-07-2018, 05:21 PM   #2210
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edited! mine was changed to that status 2 weeks after selection
oh ceh hehe....
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Old 03-07-2018, 05:24 PM   #2211
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Yes.. Bank will only process with quotation from ID. anyway the contact i gave you.. he has a banker liaise. so once quote finialize u ok with it.. he will ask his banker to contact you.. then from there apply loan and proceed. So is really one stop shop la..
Amex, this contact you shared is the one from YIS living?
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Old 03-07-2018, 05:30 PM   #2212
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hmmm i think its combined income per month... average out by 12 months... their website got the table... diff income diff grant amount allocated....

i want my keeeeeeeeeeeeeeeeys hais
They asked for my payslips from November 2016 to November 2017, which is 13 months. I have been continued working for 4 years so providing the payslips is not a problem. Hub work from June 2017 to November 2017. We also gave them his payslips. So does it means they added up everything then divided by 13 months ? Since they asked for 13 months payslips.
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Old 03-07-2018, 05:30 PM   #2213
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HDB say they dont include AWS/ 13th bonus/ profit sharing or overtime into account but 90% of my friends told me it was the opposite for them... everything also calculate end up they get grant amount so much lesser than expected.
ya... if take into account of AWS and bonus, grant sure gonna be lesser
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Old 03-07-2018, 05:38 PM   #2214
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Amex, this contact you shared is the one from YIS living?
Ya u want his contact? i can PM share with you if need lo.

Wow.. nice la.. u aso using him?
Yup..99% i will be engaging him to do my house. Cos he really can find alot of good deals inlcuding electrical appliances..he knows many ppl.. which save my trouble.. and some cost
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Old 03-07-2018, 06:07 PM   #2215
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HDB say they dont include AWS/ 13th bonus/ profit sharing or overtime into account but 90% of my friends told me it was the opposite for them... everything also calculate end up they get grant amount so much lesser than expected.
The grant amount the cso told me during my selection is the same as the one i calculated myself. No 13th month and bonuses.. if add in bonus and 13th month really very little grant liao
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Old 03-07-2018, 06:43 PM   #2216
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Hihi. May I have the ID contact too?
Thank!

LOL... use a short pole hold on ur hand to "tong" the door when do business..

@semlady - should start meeting IDs when you got time.. let them quote and compare their prices. Every ID you meet you will need at least 1-2hours. So is good to start sourcing for one you prefer. i will PM you my ID contact later.. hopefully he can help u save more.. because he provide a service whereby driving clients into JB to buy lights, basin..etc.. which really help u save alot.
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Old 03-07-2018, 06:54 PM   #2217
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When I was working part time during my poly time in a interior design film, they actually take all this as "free gift".
For over 20k renovation, free a TV.
Over 35k, free aircon
The concept is the same, helping those clients with less cash on hand to lump their furniture cost into loan.
Pros and cons, you might end up paying higher price and interest for a furniture.


thanks a lot la..

Can we ask the ID to buy basic furniture also llike bed, oven, refrigerator and all together with renovation and we pay together ?
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Old 03-07-2018, 08:05 PM   #2218
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Yes good for lazy ppl like me too..

I will msg him one of the days hehe


Ya u want his contact? i can PM share with you if need lo.



Yup..99% i will be engaging him to do my house. Cos he really can find alot of good deals inlcuding electrical appliances..he knows many ppl.. which save my trouble.. and some cost
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Old 03-07-2018, 08:06 PM   #2219
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What u said is Soo true.. hmmm

When I was working part time during my poly time in a interior design film, they actually take all this as "free gift".
For over 20k renovation, free a TV.
Over 35k, free aircon
The concept is the same, helping those clients with less cash on hand to lump their furniture cost into loan.
Pros and cons, you might end up paying higher price and interest for a furniture.
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Old 04-07-2018, 08:01 AM   #2220
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The grant amount the cso told me during my selection is the same as the one i calculated myself. No 13th month and bonuses.. if add in bonus and 13th month really very little grant liao

Ya... CSO during selection also quoted same grant amount as per what i calculated using their grant calculator online... Hopefully they're not so heartless lah to take in all those one time bonuses....
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