Year 2014

I wasnt sure what to post. Hahahaha.

Lately, I have been really busy.

After BTO twice (queue number was horrible) failed, 5-room @ Yishun, 4-room @ Hougang. We decided to get resale.

We want to have a home of our own. So we start to find a resale unit which will fit our budget perfectly. Even if resale cost way more, BTO is out of our options. Too much fights and quarrels over "the way/process to/of owning a HDB flat in Singapore"

Applied for HLE. WTF!! Why so little? I cant even buy a living room. I was so shocked and upset. I called the officer for a reason. Because I just switched job and I received a pro-rated salary. Oh.. “Pro-rated” salary. She told me to appeal for a bigger loan after I received the next payslip that shows full pay. Plus my "fixed" allowances is not considered as regular and stable. WHY so much restriction? The reasons given are “HDB are now Loan-STRICT". Hais...... While waiting and pestering the HDB officer, I send an email (sounded desperately in need) to my MP (PAP) regarding my condition. My thoughts are, just try lo. As soon as I gotten my new payslip, I submitted right away.

Okay! Not-so-bad news: APPEAL FOR BIGGER LOAN we are pleased to increase our loan offer to $2XX,XXX.

Not much increase, but at least I can start my search according with the new HLE amount for a tiny 3-room home near my Mama. 10 units plus or so? Cant remember. From www.propertyguru.com.sg, email, sms, phone calls. Arranged to view houses. No agent is needed. I just want to save on that cost. I believed that I can DIY as I am not convinced that paperwork is SOOOO difficult that I have to pay a few thousands for a random guy to do "paperwork".

I like this location, and its a corner unit. Cost is above our budget. Our loan amount is not enough, we have to top-up a lot of cash. Arr... =( But I like the unit compared to the rest. I dont want to view anymore. We did our financial calculations, by sacrificing our budget for renovation. I think we can choose that. Hmmm....

2nd viewing, we gave the deposit.

Excited and nervous. Paperwork is not difficult at all. We seek some help via a few phone calls to the seller's agent and started our wait for the 1st appointment date.

Furnitures stores, Courts, Expo, Best Denki, Departmental stores, JB are now our frequent hangout place.

One random weekend, we had a staycation over at my hubby's JB friend house. He brought us to a few furnitures store. CHEAP!! $7k ringgit approx 2.7k SGD for "bedroom set(bedframe, wardrobe, dressing table), sofa, coffee table, dining table, chairs. Ok. This is an option. I am so surprised that the differences. That particular random Sunday, we went back SG to the Expo for the March Home Spring 2014 because I dont have enough viewing pleasures. $1,698 for a queen-size mattress and bed frame, we placed a deposit of $698. Every $100 spent (only deposit) gets a chance to participate in the lucky draw. Why didnt we pay $2 more so that we can get one more chance huh???

The very next day I was told, I won the 2nd CASH prize in that draw. THAT means its FREE for us. How lucky. And soon after I received HDB letter, stating that my MP made an appeal for me to increase my loan amount. After 2 months? Better late than never. Aw.. I love my MP. The officer wanted me to submit my credit report and the type of flat I intend to purchase and the loan amount that I required. I already have my 1st appointment date and documents are already submitted. The kind officer(rarely answers my call) called to say "I cannot promise but I will try". If I have the higher loan, I no need to fork out much cash means I can buy furnitures and do renovation!! Okay, I give you whatever documents you need. $6 for a report = a chance for a higher loan amount = WORTH.

My first appointment is nearer and my loan amount did not change. Sighhh... I counted our total average income (slightly more that $5K) to apply for AHG. Sighhh... Aiya, never mind, just try.

Just few days before 1st appt, I went to HDBpage. I want to give MY MP a BIG HUG!!! My loan amount increased again. Just nice before my 1st appt date!!!

On the first day of appointment, we left a few documents(parents marriage cert, etc) at home. Required for near parents grant. The officer (looking very professional) told us she will try for a special approval for the AHG as our combined income is just slightly above the range. All went smooth and now we are waiting to get keys in our 2nd appointment 07 of May!!

*PRAYS* 一切顺顺利利！！