野火购屋记 （31-10-2016 拜拜了，野火屋！）

野火

回复 840# 紅慧星馬沙
马沙老大，被照片误导了，那个399的不是G Tab，是Viewpad 7来的{:2_81:}，打电话给G City问的。
Iconia虽然只比Transformer重一点，可是我拿在手里却觉得笨重许多，可能是个人感觉

紅慧星馬沙

回复  紅慧星馬沙
马沙老大，被照片误导了，那个399的不是G Tab，是Viewpad 7来的，打电话给G Ci ...
野火 发表于 10-8-2011 04:52 PM

看來老實商人已經絕種了。

要輕的可以考慮 Galaxy Tab 10.1 或者 ipad 2

koalabear

来，9月2号要吃自助午餐吗？
已经通知欣妈，浮萍和本土了。

koalabear

对了，你的家具潮湿问题解决了吗？
我妹妹住woodlands，2楼，也有同样问题！

D|No7787

回复  D|No7787

我妈买的还真有效，永平新加坡的蚂蚁都死翘翘

你的号码应该会有屋子选，只是应该会 ...
野火 发表于 4-8-2011 10:20 PM

野火大大，你有看到July bto的价钱吗？
Anchorvale & fernvale的价钱差好远！！
说真的，如果hdb叫我去选屋子的话，我还真的应该会跑去拿，因为我需要屋子...>.<...

AhSengSg

回复  紅慧星馬沙


马沙老大，不好意思，拖了这样久才拍照。

注：昨天买了架二手的Ace，照片用它拍 ...
野火 发表于 10-8-2011 12:32 PM

    杀蟑螂好用吗？怎样用的？

野火

回复 844# koalabear

啊，9月2日是教师节，学校放假，老婆应该没能拿假，那么我去的话就要带小女去了，不知道她要去吗，我开家庭会议讨论一下

发霉问题没能解决，昨天才叫TownCouncil来帮我丢掉两张木床，其实这两张床还新新的，要捐给SalvationArmy他们不收，他们介绍的另一个慈善团体也没回应，所以叫TC来丢了。我不要木床的另一个原因是它紧靠地面，平时到扫不到，可是里面却常常积了很多的头发灰尘我不喜欢。

丢了它们前买了铁床，觉得很不错和大大们分享一下
不怕发霉，下面的空间打扫的到，还可以放东西，两张都是Courts买的，都是249元，DoubleDecker的可以拆开来变成两张单人床

野火

回复 845# D|No7787

我没留意它的价钱，一个靠近MRT+TownCtr，应该会比另一个贵3，4万吧？
我觉得你一定会有屋子选，希望之前的人多多放弃，你能拿到心仪的。

野火

回复 846# AhSengSg

我家自从砸了蟑螂的大本营+封了RubbishChute后，就很少看到蟑螂了，所以不知道对蟑螂有没有效。
这东西是颗粒状的，把它撒在蚂蚁出没的墙角，蚂蚁就会把它搬走，接下来蚂蚁就不见了，只有一次回家乡前放了，回来时看到好几只蚂蚁死在厨房地面

AhSengSg

回复  AhSengSg

我家自从砸了蟑螂的大本营+封了RubbishChute后，就很少看到蟑螂了，所以不知道对蟑螂有 ...
野火 发表于 12-8-2011 11:12 PM

    "蟑螂的大本营"  - 这是如何找到的？
以后怎样丢垃圾？

野火

SOR变成负数了。-0.7%
http://www.ocbc.com/wealth_mgmt/main/index.shtm#
不知道有没有大大那SOR-Pegged的房贷？
房贷Agent寄来的电邮：
Since yesterday, the Swap Offer Rate went to negative at -0.69%!
It is good time to grasp this opportunity to refinance your loan with SOR package now:
No Lock-in 3-month SOR package
SOR+ (0.60%  to 0.75%, depends on loan amount)
和银行借钱买屋，不用给利息，银行还倒贴利息给屋主，多好啊！
可是钱放在银行不只没有利息，还要给银行ServiceCharge的时代是不是也要来了？
记得10多年前在Sony工作，Sony上海的同事就说在中国（当时的）钱放在银行是没有利息的，反而钱会越来越少。

野火

回复 850# AhSengSg


    盛兄没读小弟的贴

帖#48： 拆厨房，砸蟑螂大本营，写于 4-1-2010

垃圾通常每天早上拿去楼下电梯旁的垃圾桶丢。
我讨厌RubbishChute的方法，觉得这是罪恶的根源
在日本，垃圾是要放在家里，然后在指定日的早上拿到指定的收集场所去，通常一个星期只有两三天的指定日，而且是有分类的，可燃烧的，不可燃烧的，Plastic类等等。

无敌小猪猪

野火大大, 还好吗?
最近叫了agent 帮忙看看市场, 发现屋价还是攀高不下... 放底的本身的 target & look for  YiShun area COV 都要 about 50k for 4 rooms flat. 看来身上要好多好多现金才能在打算了...

D|No7787

回复  D|No7787

我没留意它的价钱，一个靠近MRT+TownCtr，应该会比另一个贵3，4万吧？
我觉得你一定会 ...
野火 发表于 12-8-2011 11:06 PM

    野火大大，价钱相差7-8万呢...
现在不是我烦恼的时
等到有屋子让我烦恼的时候在说吧...

AhSengSg

SOR变成负数了。-0.7%
http://www.ocbc.com/wealth_mgmt/main/index.shtm#
不知道有没有大大那SOR-Pegged的房贷？
房贷Agent寄来的电邮：
Since yesterday, the Swap Offer Rate went to negative at -0.69%!
It is good time to grasp this opportunity to refinance your loan with SOR package now:
No Lock-in 3-month SOR package
SOR+ (0.60%  to 0.75%, depends on loan amount)
和银行借钱买屋，不用给利息，银行还倒贴利息给屋主，多好啊！
可是钱放在银行不只没有利息，还要给银行ServiceCharge的时代是不是也要来了？
记得10多年前在Sony工作，Sony上海的同事就说在中国（当时的）钱放在银行是没有利息的，反而钱会越来越少。野火 发表于 12-8-2011 11:25 PM

１。ocbc sor 是有floor 的，也就是，sor 即使是 -10% ，它还是算 0%
２。ocbc 很久就没有 sor packages 了，奇怪你的 agent 可以推荐你。。他 offer 你的 sor packages 是怎样的？

AhSengSg

回复  AhSengSg
盛兄没读小弟的贴

帖#48： 拆厨房，砸蟑螂大本营，写于 4-1-2010

垃圾通常每天早上拿去楼下电梯旁的垃圾桶丢。
我讨厌RubbishChute的方法，觉得这是罪恶的根源
在日本，垃圾是要放在家里，然后在指定日的早上拿到指定的收集场所去，通常一个星期只有两三天的指定日，而且是有分类的，可燃烧的，不可燃烧的，Plastic类等等。野火 发表于 12-8-2011 11:39 PM

那个我有看到，我以为是另外一回事。。

AhSengSg

我很多年前就在 cari 说过，要买屋子，就买靠近 mrt 的。。。

Business Times
Published August 13, 2011



The MRT divide for private home prices

By KALPANA RASHIWALA

KWEK Leng Beng, executive chairman of major property player City Developments, has a thing or two to say about price trends in the Singapore market.

Over the next six months, he said, developers may adjust downwards launch prices of private housing projects that are not located near MRT stations by about 5 per cent if they wish to move units, amid greater buyer caution.
However, developers of projects that are well located, close to MRT stations, should be able to hold prices or even marginally increase them by 1-3 per cent, he said.
'I believe the market will not crash unless of course the worldwide scenario is so bad . . .'
He made these comments after announcing CDL's second-quarter results. The group posted a 17 per cent year-on-year increase in net profit to $220.9 million for Q2 2011.
Besides how acutely the economic situation in the US and Europe pans out and its impact on Singapore, price movements for private homes will also depend on local competition. 'If in the vicinity, there are three or four developers selling at the same time, you will definitely have to consider reducing the price if you want to get out earlier.'
Asked about the impact of a potential recession here triggered by events in the US and Europe on Singapore condo prices, Mr Kwek said: 'I do not believe that it will impact a lot unless interest rates go through the roof . . . At the moment, the market is full of liquidity, interest rates are so low, and there is a lack of alternative investments.'
He also said he does not envisage an oversupply in 2013-2014 as predicted by some analysts, as 'I don't think (the government) will come up with new measures to destabilise the market' given the uncertain environment, following Standard & Poor's downgrade of US credit rating and the worsening of Europe's sovereign debt crisis.
'I think the government is more concerned about public housing and the new (National Development) Minister has taken positive action,' Mr Kwek added.

野火

回复 855# AhSengSg

对不起，没写清楚。我放OCBC的Link是因为那里可以看到SIBOR/SOR的rate，BusinessTime的只有晚上才可以免费看，不是说Package是OCBC的。
发电邮给我的房贷Agent是Homeloan.com.sg，我以前Subscribe了，它就不时不时发电邮来，它没有注明是哪家银行的。因为我已经Refinance了，所以也没特别留意它的电邮，这次因为Subject是『Hi, 3-month SOR is -0.69% now!』，吓了一跳就打开来读一读。

原来SORPackage有FloorRate的，银行真聪明

说到靠近MRT和不靠近的价钱，隔一条Highway就差很多了。
以前我住ClementiWest时到WestCoastDrive看过屋子，大牌50x号的，要走去ClementiMRT要用行人天桥过AYE，过了天桥是大牌42x，价钱差整10万； Ubi大牌33x/34x，要走去EunosMRT要用行人天桥过PIE，过来天桥是大牌1x/2x，价钱差7，8万。{:2_81:}

野火

回复 853# 无敌小猪猪


    无敌大大，我还好  Yishun4房50k的COV，我要告诉我的老朋友，他们夫妻俩在YishunMRT旁边的74x有一间，我刚从日本来新加坡时在他那里住了几个月，现在他们把屋子合法租出去，回大马过退休生活了

AhSengSg

回复  AhSengSg

对不起，没写清楚。我放OCBC的Link是因为那里可以看到SIBOR/SOR的rate，BusinessTime的 ...
野火 发表于 13-8-2011 06:21 PM

    不只有 floor，还可以换你的 rate，现在是 corporate loans，不知道 mortgage loans 会否被影响



Published August 13, 2011

Banks resetting rates for SOR-pegged loans
They are invoking a market disruption clause as SORs turn negative


By EMILYN YAP AND CONRAD TAN


BANKS are starting to invoke a market disruption clause to reset interest rates for corporate loans pegged to now-negative Swap Offer Rates (SORs).


MR LEE
The effective interest rate after adjustment varies 'but definitely it's not negative'
United Overseas Bank (UOB) and OCBC Bank are among those which have done so.

Most of UOB's major corporate loans come with that clause, said chief financial officer Lee Wai Fai at the bank's results briefing yesterday. 'We saw this trend a few months ago and since then we have been revising our products.'

OCBC head of group corporate communications Koh Ching Ching also told BT that the clause allows the bank to renegotiate loans and peg them either to the cost of funds, or to the Singapore Interbank Offered Rate (Sibor). 'Customers have been understanding,' she said.

The SOR represents the synthetic cost of borrowing Singapore dollars, by borrowing US dollars for the same maturity and swapping these in return for Sing dollars. The expected appreciation of the Sing dollar against the greenback, coupled with fund inflows, have pushed SORs down to unprecedented levels.

The 12-month SOR turned negative for the first time yesterday, dropping to -0.18323 from 0.1977 on Thursday, while the nine-month SOR fell further into the red to -0.37229 from -0.16382.

The one-month, three-month and six-month SORs climbed slightly, though they remained below zero. For instance, the three-month SOR was -0.36204, up from -0.6987.

For SOR-pegged corporate loans, banks typically charge a spread on top of the SOR. Negative SORs have left some companies unsure about how the interest rates on their loans would be determined. A developer said that his finance team has contacted the banks, even though the company's loans are not due for a rollover.

Some banks are guarding their margins through the market disruption clause. 'For the corporate and commercial loans, a lot of it we've started invoking some of the clauses that we have in them,' UOB's Mr Lee said. The effective interest rate after the adjustment varies 'but definitely it's not negative'.

UOB may also offer more Sibor-based products in future.

'The SOR is very volatile so consumers also won't like it. And frankly, Sibor is also very low, so customers are quite ready to accept Sibor,' said UOB chief executive Wee Ee Cheong.

Sibors have started slipping in the last few days, though they remain in positive territory. For instance, the three-month Sibor was at a 52-week low of 0.36251 yesterday, down from 0.39528; the six-month Sibor was also at a low of 0.46667.

At DBS Group, less than 30 per cent of its corporate loans are benchmarked to SORs. Its spokesman said that terms and conditions allow the bank to introduce a floor rate for benchmarks.

Apart from corporate loans, banks have also turned their attention to home loans pegged to SORs.

UOB had stopped offering SOR-pegged home loans since Aug 1, while DBS and Maybank were said to have informed mortgage brokers to stop offering SOR-pegged home loans as well. Some banks have clauses in offer letters setting a floor for the SOR used in home loans.