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怀念雪子 LV1

发表于 14-9-2006 13:34:00 | 显示全部楼层

<p class="normalText">If you're looking to finance the purchase of your new home whether for a private residential property or a HDB flat, or if you are thinking of refinancing your existing home loan, we will be able to customise the right package for you.</p><p class="normalBrownText"><strong>Benefits</strong></p><table cellspacing="0" cellpadding="1" width="100%" border="0"><tbody><tr><td valign="top" width="10">&#8226;</td><td class="normalText">Ability to tailor the loan to your needs:<br/><table cellspacing="0" cellpadding="1" width="100%" border="0"><tbody><tr><td valign="top" width="10">-</td><td class="normalText">Combine both fixed and floating rates in one loan </td></tr><tr><td colspan="2"><img height="3" src="http://www.dbs.com/img/sg/common/0.gif" alt=""/></td></tr><tr><td valign="top">-</td><td class="normalText">Alternatively, choose either the fixed or floating rates for your loan</td></tr></tbody></table></td></tr><tr><td colspan="2"><img height="3" src="http://www.dbs.com/img/sg/common/0.gif" alt=""/></td></tr><tr><td valign="top">&#8226;</td><td class="normalText">3 flexible payment plans:<br/><table cellspacing="0" cellpadding="1" width="100%" border="0"><tbody><tr><td valign="top" width="10">-</td><td class="normalText">Interest-only plan - Reduce your monthly cash repayments by paying only the interest on your loan for the first three years</td></tr><tr><td colspan="2"><img height="3" src="http://www.dbs.com/img/sg/common/0.gif" alt=""/></td></tr><tr><td valign="top">-</td><td class="normalText">Gradual payment plan - Start with smaller monthly payments that increase over time as your income increases</td></tr><tr><td colspan="2"><img height="3" src="http://www.dbs.com/img/sg/common/0.gif" alt=""/></td></tr><tr><td valign="top">-</td><td class="normalText">Normal payment plan - Enjoy peace of mind by paying a regular amount every month</td></tr></tbody></table></td></tr></tbody></table><table cellspacing="0" cellpadding="0" width="415" border="0"><tbody><tr><td class="normalText" background="/img/sg/common/mc_bkgd.gif" colspan="2" style="PADDING-RIGHT: 15px; PADDING-LEFT: 15px; PADDING-BOTTOM: 15px; PADDING-TOP: 15px;"><strong class="normalBrownText">Fees &amp; Charges</strong><br/><br/><table cellspacing="0" cellpadding="1" width="100%" border="0"><tbody><tr><td valign="top" width="10">&#8226;</td><td class="normalText">Free processing </td></tr><tr><td colspan="2"><img height="3" src="http://www.dbs.com/img/sg/common/0.gif" alt=""/></td></tr><tr><td valign="top">&#8226;</td><td class="normalText">Free valuation </td></tr><tr><td colspan="2"><img height="3" src="http://www.dbs.com/img/sg/common/0.gif" alt=""/></td></tr><tr><td valign="top">&#8226;</td><td class="normalText">Free fire insurance </td></tr><tr><td colspan="2"><img height="3" src="http://www.dbs.com/img/sg/common/0.gif" alt=""/></td></tr><tr><td valign="top">&#8226;</td><td class="normalText">Legal fee</td></tr></tbody></table></td></tr><tr><td background="/img/sg/common/mc_bkgd.gif" colspan="2"><table cellspacing="0" cellpadding="0" width="415" border="0"><tbody><tr><td background="/img/sg/common/mc_bkgd.gif"><img height="17" src="http://www.dbs.com/img/sg/treasures/treasures_contact_us.gif" width="415" alt=""/></td></tr><tr><td class="normalText" background="/img/sg/common/mc_bkgd.gif" style="PADDING-RIGHT: 10px; PADDING-LEFT: 10px; PADDING-BOTTOM: 10px; PADDING-TOP: 10px;">Contact your Treasures Relationship Manager or DBS Bank at 1800 221-1111 today! <br/><br/>For international customers, please call us at&nbsp;&nbsp;001 803-65-7575 (within Indonesia) and 800-900-832 (within Hong Kong); or, +65 (any other countries)<br/>&nbsp;<br/>Alternatively, you can arrange for us to call you by filling in this form <a href="http://www.dbs.com/treasures/sg/products/contactme/"><strong>here</strong></a></td></tr></tbody></table></td></tr></tbody></table>

怀念雪子 LV1

发表于 14-9-2006 13:35:00 | 显示全部楼层

小狮租房
If you're looking to finance the purchase of your HDB flat, or if you are thinking of refinancing your existing HDB home loan, we will be able to customise the right package for you. Benefits &#8226;Tailor the HDB home loan to your needs -Combine both fixed and floating rates in one loan -Alternatively, choose from the standard fixed rate and floating rate packages for your loan &#8226;3 flexible payment plans: -Interest-only plan - Reduce your monthly cash repayments by paying only the interest on your loan for the first three years -Gradual payment plan - Start with smaller monthly payments that increase over time as your income increases -Normal payment plan - Enjoy peace of mind by paying a regular amount every month Fees &amp; Charges &#8226;Free processing &#8226;Free fire insurance for first two years &#8226;Legal fee subsidy Contact your Treasures Relationship Manager or DBS Bank at 1800 221-1111 today! For international customers, please call us at 001 803-65-7575 (within Indonesia) and 800-900-832 (within Hong Kong); or, +65 (any other countries) Alternatively, you can arrange for us to call you by filling in this form here.

怀念雪子 LV1

发表于 14-9-2006 13:36:00 | 显示全部楼层

For a smarter and more comfortable fit, take up a UOB Home Loan. Whether you're purchasing a new home or re-financing your current home, we'll tailor-make a home loan plan that you can be comfortable with. It'll leave you with more funds to style your home. You can have the loan amount you need With a UOB Home Loan, we can finance up to 90% of the purchase price or valuation of your new home, whichever is lower. Flexible repayment options To make repayment as easy as it should be, we can tailor an instalment plan that is most suited to your needs. This way, your monthly cashflow will be easier on your pocket. You can also maximise the use of your CPF savings, and give yourself more freedom in managing your finances. Interest rates that you'll find comfortable Our Home Loan offers the most attractive interest rates in town. Try our UOB Home Loan Calculator to have an idea of the loan amount and monthy instalment that will suit you. A bridging loan for a smoother transition If you are awaiting the receipts from the sale of your existing property, we can provide a bridging loan to help you make the necessary downpayment first. That way, you won't miss the chance to own your dream home. You'll enjoy the following additional benefits: Free home fire insurance Free valuation and processing Preferential interest rates for Bridging Loan Terms and conditions apply What are the requirements? You must be at least 21 years old How do I apply? Fill up an application form or download it. (You will need Adobe Acrobat Reader to view this file. To download a copy, click here.) Visit any UOB Group Branch Where can I get more information? Read our Frequently Asked Questions Call us at 1800 22 22 121 (24-hour, toll-free) Email us

michael8330 LV5

发表于 14-9-2006 13:37:00 | 显示全部楼层

本帖最后由 michael8330 于 5-1-2010 22:45 编辑

以下是引用 qiubiqq1 在2006-9-14 12:21:00的发言

我这么说是因为以前我的好朋友跟房屋经纪打过官司,那个房屋经纪的服务态度极其恶劣,而且处理事情漏洞百出,我的朋友就打算少还中介费,结果他就是抓住OTP上他的签名和委托他的同事参加了first appointment这两点赢了官司,我朋友本来3千多的中介费,结果连庭费律师费什么的还了2万多,要不然就要破产。总算知道为什么房屋中介有的时候那么嚣张了。现在这个经纪没有参加first appointment,当然不还他中介费。

otp agent's signature and attend first appointment is only a consider factor , and is not a really big issue.

under agency's law, as long as the buyer buy/view/neg. thru the agent and the deal pull thru. the agent minimum entitlement is 0.75%.

for pte property , the job is even lesses, take the option, pass to buyer , make sure the buyer ex the option, the job is completed ( the rest is follow up by the lawyer) so what serices is require here?

he can bring u to view many house, so another appointment at hdb , why cannot attend? must be if he come , both parties will quarrel or face black black , so the agent get the group leader to attend on behalf.

as agent point of view , i will try to services my client as good as possible , cause i want their referral/repeat business. so a lot of cases ,i believe is mis-communication and mis-understanding until a stage that both parties are unable to talk.

my 2 cent thought

michael8330 LV5

发表于 14-9-2006 13:41:00 | 显示全部楼层

本帖最后由 michael8330 于 5-1-2010 22:47 编辑

以下是引用 n00544 在2006-9-14 13:05:00的发言:

要买房了,请问楼主那个银行贷款比较划算。

now dbs bank no bad.

can consider.

already sent u a banker contact thru  PM.

i only refer those bankers with good services , those banker got complaint or services not up to mark i will take them out of my panel.

michael8330 LV5

发表于 14-9-2006 13:43:00 | 显示全部楼层

本帖最后由 michael8330 于 5-1-2010 22:48 编辑

以下是引用 n00544 在2006-9-14 13:07:00的发言:

听说有些银行可以贷到90%,有什么条件吗?能不能给介绍个银行?

almost all bank is able to give up to 90% loan, get more detail from my banker.t
he setback for 90% loan , is the interest is much higher
so if possible try to get up to 80% loan.

怀念雪子 LV1

发表于 14-9-2006 13:43:00 | 显示全部楼层

<p>好累啊。以上列出了OCBC/DBS/POSB/OUB几间主要银行的贷款利率,供大家参考,也可以去各银行的网站。</p><p>其实以前很多人都回答过这个问题,只要回去找找以前的帖子就有了。</p>

melodymelody LV1

发表于 14-9-2006 17:05:00 | 显示全部楼层

Questions for Michael, Thanks!

请问一下楼主: 上周末刚签了OPT 并exercise了. 是不是一定要在30天内做好银行贷款并向HDB交申请书? 如果楼主降息的消息是真的,我是不是应该签floating interest 的? 另外, When should I sign the commison agreement and pay the agent fee? If I am not satisfied with the service the agent provided, can I ask for some discount on the agent fee? Million thanks!

michael8330 LV5

发表于 14-9-2006 14:42:00 | 显示全部楼层

本帖最后由 michael8330 于 6-1-2010 21:06 编辑

QUOTE: 以下是引用 怀念雪子 在2006-9-14 14:18:00的发言:

有人买房一定推荐楼主。

记住请喝咖啡。

now give 3 cup first , [em27][em27][em27]

really introduce will give another 3 cup.

怀念雪子 LV1

发表于 14-9-2006 14:18:00 | 显示全部楼层

<p>有人买房一定推荐楼主。</p><p>记住请喝咖啡。</p>
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