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No lah ... I don't have any sembmar.. anyway it's up a little now again!!
eplepl ( Date: 18-Apr-2011 15:56) Posted:
not everyone gets the juicy peak like u.....
icetomato ( Date: 18-Apr-2011 15:51) Posted:
| hey.. we said pray for drop then you still buy... hm |
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not everyone gets the juicy peak like u.....
icetomato ( Date: 18-Apr-2011 15:51) Posted:
hey.. we said pray for drop then you still buy... hmm
Gaecia ( Date: 18-Apr-2011 15:34) Posted:
ya man, following HSI. sheet, even my 5.81 is on the line now. *_ |
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hey.. we said pray for drop then you still buy... hmm
Gaecia ( Date: 18-Apr-2011 15:34) Posted:
ya man, following HSI. sheet, even my 5.81 is on the line now. *_*
rotijai ( Date: 18-Apr-2011 15:20) Posted:
| suddenly everything drops like crazy.. |
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if u listen to me..... maybe uob or ocbc short can be more attractive .......
Gaecia ( Date: 18-Apr-2011 15:34) Posted:
ya man, following HSI. sheet, even my 5.81 is on the line now. *_*
rotijai ( Date: 18-Apr-2011 15:20) Posted:
| suddenly everything drops like crazy.. |
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thanks, no so old yet but minimum sum do apply for me.
property can offset 50 % of the sum...... but not always good to use it as guide..... and special account, I did not touch it is counted as part of min sum and ordinary account...... which you can use it to buy property.
artng25 ( Date: 18-Apr-2011 15:32) Posted:
eplepl, there are implications if you are near 55 years old. A certain amount of your CPF funds will be converted into your retirement account. if buying you have to consider this point
On the other hand many sold their properties at 55 or after and realized the minimum amount had to be 'locked in' reducing their amount of 'take home cash'
BullishTempo ( Date: 18-Apr-2011 15:21) Posted:
From what I understand, HDB will always take what you have in your CPF first and then give you a loan for the remaining amount that you need.
But I am not an expert in this area, best to call HDB and check with them directly. |
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return of equity from selling off property....
now some cpf money is idle in the account..... so thinking to full redemption or let it roll on interest income... 2.5 % vs 1.75 % sibor
BullishTempo ( Date: 18-Apr-2011 15:21) Posted:
From what I understand, HDB will always take what you have in your CPF first and then give you a loan for the remaining amount that you need.
But I am not an expert in this area, best to call HDB and check with them directly.
eplepl ( Date: 18-Apr-2011 15:18) Posted:
i have a small question.... which ask those bank loan experts and they are giving diff answers.
say for hdb bank loan of 100K - sibor interest rate 1.75% or lower.... changes from time to time...
and your cpf and you got sufficient or more than 100K...... do you perform a full redemption or u keep the 100 K in cpf as passive income.... given cpf is paying 2.5 % interest rate |
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ya man, following HSI. sheet, even my 5.81 is on the line now. *_*
rotijai ( Date: 18-Apr-2011 15:20) Posted:
| suddenly everything drops like crazy.. |
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eplepl, there are implications if you are near 55 years old. A certain amount of your CPF funds will be converted into your retirement account. if buying you have to consider this point
On the other hand many sold their properties at 55 or after and realized the minimum amount had to be 'locked in' reducing their amount of 'take home cash'
BullishTempo ( Date: 18-Apr-2011 15:21) Posted:
From what I understand, HDB will always take what you have in your CPF first and then give you a loan for the remaining amount that you need.
But I am not an expert in this area, best to call HDB and check with them directly.
eplepl ( Date: 18-Apr-2011 15:18) Posted:
i have a small question.... which ask those bank loan experts and they are giving diff answers.
say for hdb bank loan of 100K - sibor interest rate 1.75% or lower.... changes from time to time...
and your cpf and you got sufficient or more than 100K...... do you perform a full redemption or u keep the 100 K in cpf as passive income.... given cpf is paying 2.5 % interest rate |
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From what I understand, HDB will always take what you have in your CPF first and then give you a loan for the remaining amount that you need.
But I am not an expert in this area, best to call HDB and check with them directly.
eplepl ( Date: 18-Apr-2011 15:18) Posted:
i have a small question.... which ask those bank loan experts and they are giving diff answers.
say for hdb bank loan of 100K - sibor interest rate 1.75% or lower.... changes from time to time...
and your cpf and you got sufficient or more than 100K...... do you perform a full redemption or u keep the 100 K in cpf as passive income.... given cpf is paying 2.5 % interest rate ?
BullishTempo ( Date: 18-Apr-2011 14:42) Posted:
So you bought another condo or HDB?
Just look at commercialguru.com.sg if you are hunting for commercial properties |
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suddenly everything drops like crazy..
XD date is 19 April 2011.
so will it goes down further ?
BullishTempo ( Date: 18-Apr-2011 15:14) Posted:
Check the XD date for OCBC. I don't keep track of OCBC so I don't know.
Tomorrow give out dividends does not mean the XD date is tomorrow. The XD date could be today or last week, better check.
eplepl ( Date: 18-Apr-2011 15:09) Posted:
just a question,
like ocbc tomorrow giving out dividend.... today it seems to drop alot....
after the dividend pay out will it drop further |
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i have a small question.... which ask those bank loan experts and they are giving diff answers.
say for hdb bank loan of 100K - sibor interest rate 1.75% or lower.... changes from time to time...
and your cpf and you got sufficient or more than 100K...... do you perform a full redemption or u keep the 100 K in cpf as passive income.... given cpf is paying 2.5 % interest rate ?
BullishTempo ( Date: 18-Apr-2011 14:42) Posted:
So you bought another condo or HDB?
Just look at commercialguru.com.sg if you are hunting for commercial properties
eplepl ( Date: 18-Apr-2011 14:37) Posted:
brother BT,
Life is good, thanks for the blessing and introduction to CFD.......
sold my condo.... now explore if commerical property can generate some income or not... |
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Check the XD date for OCBC. I don't keep track of OCBC so I don't know.
Tomorrow give out dividends does not mean the XD date is tomorrow. The XD date could be today or last week, better check.
eplepl ( Date: 18-Apr-2011 15:09) Posted:
just a question,
like ocbc tomorrow giving out dividend.... today it seems to drop alot....
after the dividend pay out will it drop further ?
BullishTempo ( Date: 18-Apr-2011 14:55) Posted:
Should be 30%. Use only 30% of your capital with CFDs.
Keep the other 70% free. |
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just a question,
like ocbc tomorrow giving out dividend.... today it seems to drop alot....
after the dividend pay out will it drop further ?
BullishTempo ( Date: 18-Apr-2011 14:55) Posted:
Should be 30%. Use only 30% of your capital with CFDs.
Keep the other 70% free.
eplepl ( Date: 18-Apr-2011 14:52) Posted:
no not buying anything yet..... price is not raising but I am..... waiting for prices to drop....
browse when i am free.
Greece and europe is a good choice.....euro is cheaper now.....
CFD charges interest rate.... but capital upfront is small but need to apply your principle of 50% ----in case anything happened suddenly.
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saving account, because saving account cannot earn much interest income.
eplepl ( Date: 18-Apr-2011 14:55) Posted:
if 150K just pay from cash account.
BullishTempo ( Date: 18-Apr-2011 14:50) Posted:
| No CPF, but bank loans are allowed up to 70% or 80 |
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Should be 30%. Use only 30% of your capital with CFDs.
Keep the other 70% free.
eplepl ( Date: 18-Apr-2011 14:52) Posted:
no not buying anything yet..... price is not raising but I am..... waiting for prices to drop....
browse when i am free.
Greece and europe is a good choice.....euro is cheaper now.....
CFD charges interest rate.... but capital upfront is small but need to apply your principle of 50% ----in case anything happened suddenly.
BullishTempo ( Date: 18-Apr-2011 14:42) Posted:
So you bought another condo or HDB?
Just look at commercialguru.com.sg if you are hunting for commercial properties |
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if 150K just pay from cash account.
BullishTempo ( Date: 18-Apr-2011 14:50) Posted:
No CPF, but bank loans are allowed up to 70% or 80%
artng25 ( Date: 18-Apr-2011 14:48) Posted:
| I think you can't use CPF for commercial property and there are GST charge |
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no not buying anything yet..... price is not raising but I am..... waiting for prices to drop....
browse when i am free.
Greece and europe is a good choice.....euro is cheaper now.....
CFD charges interest rate.... but capital upfront is small but need to apply your principle of 50% ----in case anything happened suddenly.
BullishTempo ( Date: 18-Apr-2011 14:42) Posted:
So you bought another condo or HDB?
Just look at commercialguru.com.sg if you are hunting for commercial properties
eplepl ( Date: 18-Apr-2011 14:37) Posted:
brother BT,
Life is good, thanks for the blessing and introduction to CFD.......
sold my condo.... now explore if commerical property can generate some income or not... |
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No CPF, but bank loans are allowed up to 70% or 80%
artng25 ( Date: 18-Apr-2011 14:48) Posted:
I think you can't use CPF for commercial property and there are GST charges
BullishTempo ( Date: 18-Apr-2011 14:42) Posted:
So you bought another condo or HDB?
Just look at commercialguru.com.sg if you are hunting for commercial properties |
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I think you can't use CPF for commercial property and there are GST charges
BullishTempo ( Date: 18-Apr-2011 14:42) Posted:
So you bought another condo or HDB?
Just look at commercialguru.com.sg if you are hunting for commercial properties
eplepl ( Date: 18-Apr-2011 14:37) Posted:
brother BT,
Life is good, thanks for the blessing and introduction to CFD.......
sold my condo.... now explore if commerical property can generate some income or not... |
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