Sobf May 2016

[PiPiChew]

The HLE if the approval amount is lower than the amount needed to fully cover the value of the unit exclude grant also is okay one right during choosing of flat, as long as we increase income and reapply the HLE when collecting key, is it?

Sent from GAGT using GAGT ya la already said liao using GAGT oei last warning ah already said using GAGT stop asking liao this is the last time I'm saying I'm using GAGT

 

[Bedobeedoo21]

Mine for cck 4room was scheduled to be tentatively September. I did call up hdb today and cso told me start 1st Sept. Wonder how accurate his information will be.

hmmm seems like non mature go first this tine

Sent from Samsung SM-N920I using GAGT

 

[7urfer]

The HLE if the approval amount is lower than the amount needed to fully cover the value of the unit exclude grant also is okay one right during choosing of flat, as long as we increase income and reapply the HLE when collecting key, is it?

/QUOTE]

so grant is based on the point of application or 1st appointment?

 

[kcsyfne]

You asking about flat selection or key collection?

Flat selection is based on mature then non mature, within that group based on alphabet.

Key collection pretty much is depend on project completion date.

Sent from GAGT using GAGT ya la already said liao using GAGT oei last warning ah already said using GAGT stop asking liao this is the last time I'm saying I'm using GAGT

flat selection. Punggol. So roughly when will the appointment starts?

 

[RainbowPie17]

Seems like Bishan, Bukit Panjang and Bukit Timah started selection tho!

 

[jjaslynn]

so grant is based on the point of application or 1st appointment?

Grant AHG/SHG is based on the point of application. The point where u start to donate your 10 bucks.

 

[PiPiChew]

Grant AHG/SHG is based on the point of application. The point where u start to donate your 10 bucks.

I see thanks. Heng ah my grant amount still reasonable. How about my qn about the HLE for #743?

Sent from GAGT using GAGT ya la already said liao using GAGT oei last warning ah already said using GAGT stop asking liao this is the last time I'm saying I'm using GAGT

 

[hillview]

Seems like Bishan, Bukit Panjang and Bukit Timah started selection tho!

Mine is Sengkang. In MyHdb page its mentioned as Tentatively in September.
Does that mean Non Mature estates first?

 

[baramundi]

Mine is Sengkang. In MyHdb page its mentioned as Tentatively in September.
Does that mean Non Mature estates first?

For Kallang/Whampoa they also said September. I also got a letter from HDB stating that dispose having a number over the number of flats, there is still chance to pick, depending on drop out rate.

The sales info will also be only in softcopy online (HDB says they want to go green) and they will SMS me before appointment, also if ethnic quota finish they will inform us.

Why does it seems like most people want to go for HDB loan, are bank loans 1% cheaper? I am going to take a bank loan, not sure which one, but will see which has best offer at the time required.

 

[PiPiChew]

For Kallang/Whampoa they also said September. I also got a letter from HDB stating that dispose having a number over the number of flats, there is still chance to pick, depending on drop out rate.

The sales info will also be only in softcopy online (HDB says they want to go green) and they will SMS me before appointment, also if ethnic quota finish they will inform us.

Why does it seems like most people want to go for HDB loan, are bank loans 1% cheaper? I am going to take a bank loan, not sure which one, but will see which has best offer at the time required.

Bank loan is floating, usually SIBOR + A Margin so that they can profit, right now it is true that it is lower than HDB 2.6% (pegged to CPF rate + 0.1%). SIBOR refers to Singapore interbank offer rate to each other.

If SIBOR increases means bank loan increases, and such fluctuations are seen as risky for risk adverse individuals like me

If you confident can clear of HDB loan ASAP, this means your exposure to fluctuation in SIBOR is very short and thus low risk, then go ahead. For people like me who like to slowly take 25 years to clear housing loan, HDB safer. They also give chance one usually if you tio pok.

Sent from GAGT using GAGT ya la already said liao using GAGT oei last warning ah already said using GAGT stop asking liao this is the last time I'm saying I'm using GAGT

 

[Gixxerfied]

If it's short period like 5-6 years and not too big an amt, bank loan is okay cos have lock in period..

And feds is very likely to raise their interest rates.

 

[Bedobeedoo21]

Serious? But I can't seem to click into the page to see which unit to choose

Seems like Bishan, Bukit Panjang and Bukit Timah started selection tho!

 

[RainbowPie17]

Serious? But I can't seem to click into the page to see which unit to choose

Yupp, Saw that HDB opened the page for those estates.. I'm newbie cant post the link here somehow. Perhaps you check out 'Flats Available for Selection'?

 

[Gixxerfied]

Link is live doesnt mean selection started, it means they just updated it to allow applicants to find out more.

https://services2.hdb.gov.sg/webapp/BP13AWFlatAvail/BP13SEstateSummary?sel=SBF

 

[LamborghiniGallardo]

Did not go my feb bto bukit batok selection today.officer call me and ask why didnt go. I said decide not to take as aiming may sale of balance bukit batok. I ask my number is 32 above available unit,got chance or not?she say not sure. I ask as i didnt go bto feb selection today,will i be penalise?she said no as my may sale of balance ballot number is out already,hence no penalty. Luckily.

 

[jjaslynn]

Just got my appointment date via myhdb for cck 4room.

 

[hillview]

Just got my appointment date via myhdb for cck 4room.

ahh...thts nice...is yours in September?

 

[jjaslynn]

Yeap! Mine is in September.

 

[hillview]

Yeap! Mine is in September.

Good luck

 

[jjaslynn]

Hehe.. thank you