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 25 Sep 08 10:27 am |
| fc wrote: | | Anonymous wrote: |
you can ask them for not to include the COV as part of the valuvation as the bank and hdb does not include this as part of the mortgage and real property price |
You can ask who? AND why would you do that?
As a seller or agent trying to sell the unit, you would naturally ask for a higher Valuation, right?
Once you've exercised your OTP and are going ahead with your loan, you would try your best to get a re-value at a higher price as well so that your Cash outlay (against the previous valuation) would be less, correct?
The only reason why you would ask for a lower valuation is if you were trying to sell off your home at a cheaper price. You are a good man. |
what am i saying is , agent and seller is asking higher valuvataion and COV , so in hdb transaction can it 2 be 2 part trasnaction without COV and total transacted price and for the valuvation only use the transaction without COV only as a guide |
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25 Sep 08 10:31 am |
| time to ask a MP to look into the matter..... |
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25 Sep 08 10:32 am |
| wrote to hdb before, they replied blah blah blah....the market force determine the value.... all bullshit...think he might be one of those with some kopi to drink...it seems hdb not interested to probe... |
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25 Sep 08 10:43 am |
| Anonymous wrote: | | time to ask a MP to look into the matter..... |
but someone in highlevel mention the HDB is still in affordable range , so i dont think they will review on the valuvation guide , unless the HDB price is higher the Private property |
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25 Sep 08 10:52 am |
| Anonymous wrote: | | Anonymous wrote: | | time to ask a MP to look into the matter..... |
but someone in highlevel mention the HDB is still in affordable range , so i dont think they will review on the valuvation guide , unless the HDB price is higher the Private property |
they earn millions, of coz they feel its cheap...many units in redhill already coz more den condos... seems they r not concern abt the peasants life... |
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25 Sep 08 10:54 am |
| its not a matter of high hdb prices..its more of corruption and over valuation |
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25 Sep 08 10:55 am |
| Anonymous wrote: | | fc wrote: | | Anonymous wrote: |
you can ask them for not to include the COV as part of the valuvation as the bank and hdb does not include this as part of the mortgage and real property price |
You can ask who? AND why would you do that?
As a seller or agent trying to sell the unit, you would naturally ask for a higher Valuation, right?
Once you've exercised your OTP and are going ahead with your loan, you would try your best to get a re-value at a higher price as well so that your Cash outlay (against the previous valuation) would be less, correct?
The only reason why you would ask for a lower valuation is if you were trying to sell off your home at a cheaper price. You are a good man. |
what am i saying is , agent and seller is asking higher valuvataion and COV , so in hdb transaction can it 2 be 2 part trasnaction without COV and total transacted price and for the valuvation only use the transaction without COV only as a guide |
I'm really sorry. I don't quite understand what you are trying to say.
Valuation is done by an independent body appointed by HDB when you request for it to be done. Valuations are NOT DONE by agents NOR sellers themselves. |
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25 Sep 08 11:06 am |
| Anonymous wrote: | | Anonymous wrote: | | time to ask a MP to look into the matter..... |
but someone in highlevel mention the HDB is still in affordable range , so i dont think they will review on the valuvation guide , unless the HDB price is higher the Private property |
they are doing a dis-service to the people who vote for them.... |
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25 Sep 08 12:55 pm |
Will you buy a worst 5 rooms HDB, smelly with VAL 375K + COV 15K?
But location is good at Tampines near MRT with 15 mins ... last week just view this unit, the agent told me market now is very good, no seller will sell without COV recently.. he have sold out 3 unit in last month and blar blar blar.. I don't believe coz the house have ad since Jul 08 till now still not sold out yet.. The HDB is very chat lat.. if consider to buy sure must renovation whole house.. any expect here please advise.. |
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25 Sep 08 1:00 pm |
| Anonymous wrote: | Will you buy a worst 5 rooms HDB, smelly with VAL 375K + COV 15K?
But location is good at Tampines near MRT with 15 mins ... last week just view this unit, the agent told me market now is very good, no seller will sell without COV recently.. he have sold out 3 unit in last month and blar blar blar.. I don't believe coz the house have ad since Jul 08 till now still not sold out yet.. The HDB is very chat lat.. if consider to buy sure must renovation whole house.. any expect here please advise.. |
If whole a house full reno, i will not buy unless at valuation or below. It's worth waiting now anyway. |
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25 Sep 08 1:01 pm |
| Anonymous wrote: | | Anonymous wrote: | Will you buy a worst 5 rooms HDB, smelly with VAL 375K + COV 15K?
But location is good at Tampines near MRT with 15 mins ... last week just view this unit, the agent told me market now is very good, no seller will sell without COV recently.. he have sold out 3 unit in last month and blar blar blar.. I don't believe coz the house have ad since Jul 08 till now still not sold out yet.. The HDB is very chat lat.. if consider to buy sure must renovation whole house.. any expect here please advise.. |
If whole a house full reno, i will not buy unless at valuation or below. It's worth waiting now anyway. |
Sorry, correction, should be "If whole house need a full reno"... |
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25 Sep 08 1:18 pm |
| Anonymous wrote: | | Anonymous wrote: | | Anonymous wrote: | Will you buy a worst 5 rooms HDB, smelly with VAL 375K + COV 15K?
But location is good at Tampines near MRT with 15 mins ... last week just view this unit, the agent told me market now is very good, no seller will sell without COV recently.. he have sold out 3 unit in last month and blar blar blar.. I don't believe coz the house have ad since Jul 08 till now still not sold out yet.. The HDB is very chat lat.. if consider to buy sure must renovation whole house.. any expect here please advise.. |
If whole a house full reno, i will not buy unless at valuation or below. It's worth waiting now anyway. |
Sorry, correction, should be "If whole house need a full reno"... |
yeap agree with you , currently share market , econmoy all not stable , dont ask what is relatation between share market and hdb resale , of course there is relation , ppl lost money in share market and at same time economy bad , presure him to sell the unit |
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25 Sep 08 1:22 pm |
| Anonymous wrote: | Will you buy a worst 5 rooms HDB, smelly with VAL 375K + COV 15K?
But location is good at Tampines near MRT with 15 mins ... last week just view this unit, the agent told me market now is very good, no seller will sell without COV recently.. he have sold out 3 unit in last month and blar blar blar.. I don't believe coz the house have ad since Jul 08 till now still not sold out yet.. The HDB is very chat lat.. if consider to buy sure must renovation whole house.. any expect here please advise.. |
ur agent is trying to con u... there r many owners who r serious seller who sold without cov.. |
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25 Sep 08 1:29 pm |
| Anonymous wrote: | | Anonymous wrote: | Will you buy a worst 5 rooms HDB, smelly with VAL 375K + COV 15K?
But location is good at Tampines near MRT with 15 mins ... last week just view this unit, the agent told me market now is very good, no seller will sell without COV recently.. he have sold out 3 unit in last month and blar blar blar.. I don't believe coz the house have ad since Jul 08 till now still not sold out yet.. The HDB is very chat lat.. if consider to buy sure must renovation whole house.. any expect here please advise.. |
ur agent is trying to con u... there r many owners who r serious seller who sold without cov.. |
ya.. there is a 4 room unit at jurong east, location very good.. cov only 13K but a few months liao, still on ad!  |
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25 Sep 08 1:33 pm |
| Anonymous wrote: | | Anonymous wrote: | | Anonymous wrote: | Will you buy a worst 5 rooms HDB, smelly with VAL 375K + COV 15K?
But location is good at Tampines near MRT with 15 mins ... last week just view this unit, the agent told me market now is very good, no seller will sell without COV recently.. he have sold out 3 unit in last month and blar blar blar.. I don't believe coz the house have ad since Jul 08 till now still not sold out yet.. The HDB is very chat lat.. if consider to buy sure must renovation whole house.. any expect here please advise.. |
ur agent is trying to con u... there r many owners who r serious seller who sold without cov.. |
ya.. there is a 4 room unit at jurong east, location very good.. cov only 13K but a few months liao, still on ad! |
high cov wait long long to sell... the seller greedy mah... just like those greedy landlords..increase rental high high in the end units left vacant for months... only think short term.. |
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25 Sep 08 1:46 pm |
No matter who...SG/FT/FW,
Hold on to your job else how to put food on the table? how to hold on to your loans? |
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25 Sep 08 5:54 pm |
good luck to those already bought the house at the peak period. now that pty has started to slide, i can imagine the pain.
those that can wait, just hold on your $$ and prices are dropping liao |
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25 Sep 08 5:59 pm |
Dream on if you can find COV less than 25K- 35K - 50K. Valuation drops there will be many tears and fears!
What happen if property valuation drops, panic and fear as this is also part of sg security for part of 50% of market value is also your cpf minimum sum set aside. If this value drops and the account holder have less cash to retire on as his minimum sum is affected. The anunity will also affect the monthly amount redrawn.
Think about it property valuation cannot and will not drop and so cov too!
Ppl do not earn so much money to set aside for old age. The 50% calculated is based on the cpf retirement nest eggs. The eggs cannot be broken base on market valuation tied to cpf account holder minimum sum set aside! If this drops then a repeat fear as there will be lesser for retirement! |
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25 Sep 08 6:33 pm |
| Anonymous wrote: | Dream on if you can find COV less than 25K- 35K - 50K. Valuation drops there will be many tears and fears!
What happen if property valuation drops, panic and fear as this is also part of sg security for part of 50% of market value is also your cpf minimum sum set aside. If this value drops and the account holder have less cash to retire on as his minimum sum is affected. The anunity will also affect the monthly amount redrawn.
Think about it property valuation cannot and will not drop and so cov too!
Ppl do not earn so much money to set aside for old age. The 50% calculated is based on the cpf retirement nest eggs. The eggs cannot be broken base on market valuation tied to cpf account holder minimum sum set aside! If this drops then a repeat fear as there will be lesser for retirement! |
must be an agent toking... |
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