we can apply for ahg now? or when choosing unit den apply?
When is the earliest we can apply for AHG?
I believe during the 1st appt(Selection & Booking of unit + Option Fee), you will be given the forms to apply for AHG.
Round 1 HLE Approved for $365k...
Do you know how HDB derive at this figure? My HLE $370k, but banks can loan me $500k+
Nope...
Bank lehx...They give u higher amt and u dare to take, of cos they dare to loan..At most when times are bad, they repo ur house niax what..To them win win..
Give u a scenario..
CC application with about 32k per annum, they give u a card with 12k limit. You dare to sign??
Do you know how HDB derive at this figure? My HLE $370k, but banks can loan me $500k+
Hle is 100x of your combined income..
How accurate is this 100x thou??
My combined x 100 is over the amount given..
Age plays a part as well..Some combined salary might and will probably raise up but they get older, turns out HLE is nt 100x of combined also..
But then nt that bother since i probably need slightly less than half of what's offered also..
My combined like 4k+ but HLE only 288k..
My combined 4k+ also...Wife just got her PR anyway..The online enquiry results very similar to what was given..
Mine was big diff, maybe cos of the lacking of my bank statement of my odd job thingy.. But the officer say nth to worry.. as long as it is an approved HLE.. just make sure before u collect ur key.. that period of time income is stable..
Yup..I just apply early to have a gauge before the ballot results is out since CCK is confirm have for 1st timer..
Most likely you have to do it again.. cos it is only valid for 3 mths.. result out in end june.. so 1st appt selection will be in july or later.. and 2nd appt is bout 3mths later..
Yup...To get an idea of the loan i can get before getting the ballot results and going there to place the option fee..
option fee? what's that?
No worries about that..
Actually when i email HDB Credit about HLE recently, the lady call me and say if applied and expired and if ur employment etc etc no changes, can just pass to them during 2nd appt and they will take care of it..
Nope...
Bank lehx...They give u higher amt and u dare to take, of cos they dare to loan..At most when times are bad, they repo ur house niax what..To them win win..
Give u a scenario..
CC application with about 32k per annum, they give u a card with 12k limit. You dare to sign??
Hle is 100x of your combined income..
How accurate is this 100x thou??
My combined x 100 is over the amount given..
Age plays a part as well..Some combined salary might and will probably raise up but they get older, turns out HLE is nt 100x of combined also..
But then nt that bother since i probably need slightly less than half of what's offered also..
Lol which bank so cock? My annual income more than that but my card limit is only $5.2k, which is enough for me
Not true in my case leh. That's why I'm asking ma.
Think you're right, age does play a part. Thanks!