I do disagree with you here Scrooby Baby....This Joe you speak of seems to be a nice chap....a rarity in the toxic dungheap we have ourselves here.
Well said. I have added to your points.
Well said. I have added to your points.
I volunteer to be points moderator because i like points because I sarpok Oranjie.
Bala loves point too. Kinky come India Bala gives many many points. Bala upz you. Bala upz you from below centre left and right.
Sam, you should seriously consider removing the points system. The smile and zap will go away and there will be a level playing field without the culture of bullying looming over newbies. I don't think it has ever worked. Maybe a few custodians to handle the likes of Geylanguncle.
I do disagree with you here Scrooby Baby....This Joe you speak of seems to be a nice chap....a rarity in the toxic dungheap we have ourselves here.
Can't do that now. It's entrenched in the system. Removing the points system now would be like suddenly disallowing CPF to be used for housing. The upheaval would rock the whole forum off its foundations.
However, I have tweaked the system to make newbies more resilient.
Can't do that now. It's entrenched in the system. Removing the points system now would be like suddenly disallowing CPF to be used for housing. The upheaval would rock the whole forum off its foundations.
However, I have tweaked the system to make newbies more resilient.
Can't do that now. It's entrenched in the system. Removing the points system now would be like suddenly disallowing CPF to be used for housing. The upheaval would rock the whole forum off its foundations.
However, I have tweaked the system to make newbies more resilient.
Bala loves point too. Kinky come India Bala gives many many points. Bala upz you. Bala upz you from below centre left and right.
Let me explain the Singapore property situation:
1). It is getting more difficult for all to own 2nd property in Singapore, because of ABSD ( Additional Buyer Stamp Duty), it adds extra cost for buying property here.
2). TDSR ( Total Debt Servicing ratio) limits your loan ability, for 2nd property---50% loan.
3). Developers have holding power, they will not come down in price for new condo because they bid higher land cost.
So in your situation for investment purpose, I suggest you to consider Australia Melbourne Property----- Victoria One ( in CBD area).
You should notice the following benefits:
1). Australia property price is still much lower than Singapore.
2). You need only 10% down payment, and no progressive payment, it is deferred payment scheme, this means you will only start paying when it is TOP ( completion).
3). Your 10% down payment will be paid with Australia Bank Interest which is higher than Singapore bank rate.
4). Stamp duty: Normally you pay 5.5% upon TOP, but you only pay 0.3%, the rest absorbed by developer.
5). No TDSR problem, no age limit for loan, can extend to 30 years loan, and up to 80% loan.
6). You can sell the property before TOP to make profits.
7). The rental yield is 5-8% p.a. Because the condo is in the CBD near Melbourne University, RMIT, and major shopping district.
8). Huttons will help you get tenant when it is completed.
1 Bed Room : A$390,000
2 Bed Room: A$520,000
3 Bed Room: A$900,000
If you are keen, I would like to invite you to our show flat at 2 Kallang Avenue, or I can drive you here.
Ah,,,the grass is so much greener on the other side,,,,,
SchizophrenicI do disagree with you here Scrooby Baby....This Joe you speak of seems to be a nice chap....a rarity in the toxic dungheap we have ourselves here.
Can you see lumbar 1 ass licker talking to boss? LOL LOL LOL.