Discussion About Single & Hdb Flat Ownership + Hdb Loan (Compiled)

[Guest Flatowner]

My tenants had spoilt my living room's front door's door closer. But the wooden door and the door lock itself are not spoilt. 

 

If I just remove the existing spoilt door closer from my front wooden door but I did not attach a new door closer back to the front wooden door, anyone knows without a door closer attach to the front wooden door, then can this front wooden door still open normally and close normally??  

[Guest Overthinking]

  On 4/13/2024 at 5:41 AM, Guest Flatowner said:

My tenants had spoilt my living room's front door's door closer. But the wooden door and the door lock itself are not spoilt. 

 

If I just remove the existing spoilt door closer from my front wooden door but I did not attach a new door closer back to the front wooden door, anyone knows without a door closer attach to the front wooden door, then can this front wooden door still open normally and close normally??  

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It is a small equipment cost.  Get a handyman to fix it to save from over thinking about it.  Work out with your tenant to co-pay, depending on the contract, or you can settle it discretionary on your own if you think your tenant is not the sort who keep damaging everything around the house.

[Guest Flatowner]

  On 4/13/2024 at 10:12 AM, Guest Overthinking said:

It is a small equipment cost.  Get a handyman to fix it to save from over thinking about it.  Work out with your tenant to co-pay, depending on the contract, or you can settle it discretionary on your own if you think your tenant is not the sort who keep damaging everything around the house.

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you are dead wrong! 

 

you did not answer my question. But instead you digressed

[Swimfun]

  On 4/13/2024 at 5:41 AM, Guest Flatowner said:

My tenants had spoilt my living room's front door's door closer. But the wooden door and the door lock itself are not spoilt. 

 

If I just remove the existing spoilt door closer from my front wooden door but I did not attach a new door closer back to the front wooden door, anyone knows without a door closer attach to the front wooden door, then can this front wooden door still open normally and close normally??  

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By removing the damaged door closer completely from your front wooden door shouldn't hinder its ability to open and close normally. However, without a door closer, the door might not close automatically.

[Guest HDB]

  On 4/13/2024 at 5:41 AM, Guest Flatowner said:

My tenants had spoilt my living room's front door's door closer. But the wooden door and the door lock itself are not spoilt. 

 

If I just remove the existing spoilt door closer from my front wooden door but I did not attach a new door closer back to the front wooden door, anyone knows without a door closer attach to the front wooden door, then can this front wooden door still open normally and close normally??  

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You can still open and close the door without the self-closing device (door closer).

 

However, it seems like the door closer is a must now based on HDB's website under "Door & Gate" @ https://www.hdb.gov.sg/residential/living-in-an-hdb-flat/renovation/guidelines/building-works

[Swimfun]

  On 4/13/2024 at 6:31 PM, Guest HDB said:

You can still open and close the door without the self-closing device (door closer).

 

However, it seems like the door closer is a must now based on HDB's website under "Door & Gate" @ https://www.hdb.gov.sg/residential/living-in-an-hdb-flat/renovation/guidelines/building-works

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Please allow me to clarify: the paragraph refers to the 'Replacement of the main entrance door and/or frame along the fire escape route' (i.e., for doors opening into passageways such as staircases or lift lobbies).

I hope the above clarifies. Hence, it is not compulsory to install a self-closing device; otherwise, HDB would have installed it for all new BTOs.

[Guest guest]

  On 4/13/2024 at 5:41 AM, Guest Flatowner said:

My tenants had spoilt my living room's front door's door closer. But the wooden door and the door lock itself are not spoilt. 

 

If I just remove the existing spoilt door closer from my front wooden door but I did not attach a new door closer back to the front wooden door, anyone knows without a door closer attach to the front wooden door, then can this front wooden door still open normally and close normally??  

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I always amazing of hearing stories on what and how tenants can spoilt and damage things in the house. It is due to it is a rental house, so these people don't care? But even they don't care, i also wonder how they managed to spoilt/damage those things in the first place. Some things really past my imagination on how it can get spoilt. 

[Swimfun]

  On 4/14/2024 at 1:37 AM, Guest guest said:

I always amazing of hearing stories on what and how tenants can spoilt and damage things in the house. It is due to it is a rental house, so these people don't care? But even they don't care, i also wonder how they managed to spoilt/damage those things in the first place. Some things really past my imagination on how it can get spoilt. 

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Unfortunately, everything in this universe has its lifespan; nothing lasts forever, and at times, it could be due to wear and tear. Contesting the possibilities of longevity can be challenging. Your professional agent should advise you on the best course of action and also factor in the cost of maintenance and replacement in the rental licence, unless you are renting it unlicensed. In Singapore, it's mandatory to register residential rental agreements with the government, ensuring transparency and protection for both landlords and tenants.

 

Renting out your residential property is also considered revenue; hence, it can be likened to running a small leasing business. In business, you must factor in some expenditure and not solely expect income without investing.

 

Many landlords tend to compare personal usage while neglecting public usage. A good illustration is comparing your personal home toilet and a public toilet, where cleanliness is an obvious difference. Therefore, instead of dwelling on it, why not set aside or factor in this when collecting your licensed rental?

[Guest Harsh Needed]

  On 4/14/2024 at 1:37 AM, Guest guest said:

I always amazing of hearing stories on what and how tenants can spoilt and damage things in the house. It is due to it is a rental house, so these people don't care? But even they don't care, i also wonder how they managed to spoilt/damage those things in the first place. Some things really past my imagination on how it can get spoilt. 

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It always happened during the first few months of their stay.  They will want everything new ready.  First will be water leaking from water heater, followed by fridge too cold and water leak, then the door cannot opened or closed properly, than bed frame leg came off, then Ceiling fans switch spoilt, then toilet door spoilt.    If you are landlord, the less electrical appliances the better so that they have no excuses to find fault and get you to change new ones.  My friend told me it is all systematically plan by tenant such that every month, at least something will happen, so as not to appear as deliberate act of vandalism.   Under such situation,  you need to be harsh towards your tenant on why everything spoilt under their charge. 

 

My 4-room neighbour, rented out his entire flat to a Malaysian couple.  This couple has the habbit of slamming the door and the gate extremely hard without caring about other people property.  Occassionally, the couple will quarrel and the wife will start throwing object around the house including slamming the bedroom doors.  Someday, I will tell the landlord if I met them.

 

Moral of the story,  when deciding on the rental charge, it is important to take into consideration possible vandalism and tenant from hell.    Those renting out their private condo will lose out to those renting out their HDB because serving Condo unit damange is often quite expensive.

[Guest Guest]

I still received letters for previous tenant, one of the letter is the outstanding phone bills and even lawyer letter attention to this person. Should i worry that 'loanshark' will come knock on my door to look for that person who owned the bills?

[Guest Clean and Simple]

  On 4/15/2024 at 12:54 PM, Guest Guest said:

I still received letters for previous tenant, one of the letter is the outstanding phone bills and even lawyer letter attention to this person. Should i worry that 'loanshark' will come knock on my door to look for that person who owned the bills?

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You should have asked the tenant to go paperless on every bills and notices.  The bills will send to their personal phone or email address.  I have practically near to nothing in my letter box, unless I order something from overseas.

[Guest guest]

  On 4/14/2024 at 2:07 AM, Swimfun said:

Unfortunately, everything in this universe has its lifespan; nothing lasts forever, and at times, it could be due to wear and tear. Contesting the possibilities of longevity can be challenging. Your professional agent should advise you on the best course of action and also factor in the cost of maintenance and replacement in the rental licence, unless you are renting it unlicensed. In Singapore, it's mandatory to register residential rental agreements with the government, ensuring transparency and protection for both landlords and tenants.

 

Renting out your residential property is also considered revenue; hence, it can be likened to running a small leasing business. In business, you must factor in some expenditure and not solely expect income without investing.

 

Many landlords tend to compare personal usage while neglecting public usage. A good illustration is comparing your personal home toilet and a public toilet, where cleanliness is an obvious difference. Therefore, instead of dwelling on it, why not set aside or factor in this when collecting your licensed rental?

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For renting, the most dirtiest place that tenants that would not maintain is the toilet. I always hear horror stories that toilet has become black with stains, dirty and smelly. So i hear my friends who have renting their flat, close both eyes and don't want to see how dirty their house has become.

[Guest Guest]

  On 4/15/2024 at 1:05 PM, Guest Clean and Simple said:

You should have asked the tenant to go paperless on every bills and notices.  The bills will send to their personal phone or email address.  I have practically near to nothing in my letter box, unless I order something from overseas.

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Tenant is FT, think they would not opt for paperless. Esp if send hard copies, when they go back to their home country, they can simply vanish and ignore all the outstanding bills. Just wonder will it implicate the next person staying in that address?

[Guest Postman]

  On 4/15/2024 at 12:54 PM, Guest Guest said:

I still received letters for previous tenant, one of the letter is the outstanding phone bills and even lawyer letter attention to this person. Should i worry that 'loanshark' will come knock on my door to look for that person who owned the bills?

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Return to sender and state the reason on envelope

[Guest Guest]

  On 4/15/2024 at 3:03 PM, Guest Postman said:

Return to sender and state the reason on envelope

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I threw the letters away. 😅

[Guest U Stoopid]

  On 4/16/2024 at 1:19 PM, Guest Guest said:

I threw the letters away. 😅

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Bad idea.  Best is to inform senders.  Ignoring the senders is to admit the tenants are still staying in your place.

[Guest Guest]

  On 4/16/2024 at 2:22 PM, Guest U Stoopid said:

Bad idea.  Best is to inform senders.  Ignoring the senders is to admit the tenants are still staying in your place.

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I have already opened the letter, don't think it is still a good idea to return to sender also.

[Guest U So Bad]

  On 4/16/2024 at 2:29 PM, Guest Guest said:

I have already opened the letter,

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So you peeped into someone's personal letter.  Where is your manner.

[thickhead79]

  On 4/16/2024 at 2:29 PM, Guest Guest said:

I have already opened the letter, don't think it is still a good idea to return to sender also.

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just return to the company, they will settle at their end

Edited April 17, 2024 by thickhead79

[Guest Guest]

  On 4/17/2024 at 3:56 AM, Guest U So Bad said:

So you peeped into someone's personal letter.  Where is your manner.

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Former tenant which already left, sure must open and see why there are still letters send to the address. If not wait give me trouble how?

[Guest HDB]

The Best HDB Flats for Singles in Singapore at Every Budget (2024)

[lonelyglobe]

  On 4/20/2024 at 2:55 AM, Guest HDB said:

The Best HDB Flats for Singles in Singapore at Every Budget (2024)

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Looks more like advertisement rather than real advice.

 

570k for 2 room and 800k for 3 room? Hope no one is thinking of buying that,  if I have a budget of 800k, I would rather go for a condo.

[Guest Guest]

Explainer: 4-room HDB resale flat in Tampines sold for S$100,000 in January — what's behind such outlier sales?

[Balestier]

  On 4/20/2024 at 3:15 AM, lonelyglobe said:

Looks more like advertisement rather than real advice.

 

570k for 2 room and 800k for 3 room? Hope no one is thinking of buying that,  if I have a budget of 800k, I would rather go for a condo.

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800k can get you a 1-2 bed room condo or a 5 room hdb flat with money for renov

[Balestier]

  On 4/20/2024 at 4:39 AM, Guest Guest said:

Explainer: 4-room HDB resale flat in Tampines sold for S$100,000 in January — what's behind such outlier sales?

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Probably to a relative.

[thickhead79]

  On 4/20/2024 at 3:15 AM, lonelyglobe said:

Looks more like advertisement rather than real advice.

 

570k for 2 room and 800k for 3 room? Hope no one is thinking of buying that,  if I have a budget of 800k, I would rather go for a condo.

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Then u go try condo lo 800k

[Guest Guest]

With so many foreigners, especially Malaysian, choosing to work and stay in Singapore and drive up rental, don’t expect HDB prices (3, 4 and 5 room) to come down anytime soon. I think the rent will continue to go up at least until the RTS is fully operational in 2026/2027 which will be another sensible option for Malaysian. 
 

Condo rents inch up after 7-month decline; volumes recover: SRX, 99.co

[Guest Guest]

  On 4/20/2024 at 3:15 AM, lonelyglobe said:

Looks more like advertisement rather than real advice.

 

570k for 2 room and 800k for 3 room? Hope no one is thinking of buying that,  if I have a budget of 800k, I would rather go for a condo.

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Good location, near to MRT and just MOP 3 room in current market really can sell at high 700k to 800k. Many people are buying.

[lonelyglobe]

  On 4/20/2024 at 12:43 PM, Guest Guest said:

Good location, near to MRT and just MOP 3 room in current market really can sell at high 700k to 800k. Many people are buying.

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That's very unfortunate,  if only people can resist from buying these 5 years old flat,  anyway for those downgrade from private or bigger property, having reaped millions profit,  800k is really nothing to them. 

 

Aren't HDB set up to provide affordable housing for people or maybe 800k is considered affordable? Ha.... 

Edited April 20, 2024 by lonelyglobe

[Guest Guest]

If you find HDB housing prices not affordable ,you only have yourself to blame. 

[Guest guest]

  On 4/20/2024 at 2:29 PM, lonelyglobe said:

That's very unfortunate,  if only people can resist from buying these 5 years old flat,  anyway for those downgrade from private or bigger property, having reaped millions profit,  800k is really nothing to them. 

 

Aren't HDB set up to provide affordable housing for people or maybe 800k is considered affordable? Ha.... 

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No need to reaped millions profit in order to afford 800k. For couples who are both working and salary is high, 800k to them also nothing. If divided between two persons, each person only need to pay 400k which is consider not much. Unless you are talking about a single who buy 800k hdb, then that person really is rich esp if he did not reaped millions profit from private.

[Guest guest]

  On 4/20/2024 at 5:49 PM, Guest Guest said:

If you find HDB housing prices not affordable ,you only have yourself to blame. 

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Anyone also can afford a hdb. There is new BTO 2 rm flat, the price is below 200k which is affordable to most people. If you want to buy a resale hdb, then you must have some money in your CPF and salary must not be too low, if not cannot afford, then don't buy resale, go for a 2 rm BTO. No need to complain why hdb is ex. Just go buy the hdb that you can afford.

[Guest Abc123]

I couldn’t pay my S$370,000 mortgage so I applied for a loan modification. Now I have a 52-year loan. Is this normal?

[thickhead79]

  On 4/21/2024 at 10:58 PM, Guest Abc123 said:

I couldn’t pay my S$370,000 mortgage so I applied for a loan modification. Now I have a 52-year loan. Is this normal?

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How can 52y

[thickhead79]

After the outbreak of the coronavirus, the demand for two-bedroom pre-purchased HDB flats continues to increase. The government plans to increase supply and allow singles to apply for purchases across the island from the second half of the year. Analysts expect prime and premium HDB flats to be popular among single buyers, but call for a balance between demand from young and older people.

[Guest HDB]

  On 4/21/2024 at 10:58 PM, Guest Abc123 said:

I couldn’t pay my S$370,000 mortgage so I applied for a loan modification. Now I have a 52-year loan. Is this normal?

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I thought maximum loan tenure is 25 years (HDB) and 30 years (banks)

[thickhead79]

  On 4/22/2024 at 5:10 AM, Guest HDB said:

I thought maximum loan tenure is 25 years (HDB) and 30 years (banks)

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Or 60yo

[Guest guest]

  On 4/22/2024 at 12:46 AM, thickhead79 said:

After the outbreak of the coronavirus, the demand for two-bedroom pre-purchased HDB flats continues to increase. The government plans to increase supply and allow singles to apply for purchases across the island from the second half of the year. Analysts expect prime and premium HDB flats to be popular among single buyers, but call for a balance between demand from young and older people.

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Confirmed those prime and premium location is popular among singles, cause finally single can buy good and centralise location, no need to buy those 'ulu ulu' far from town location. But i believe the price for those prime and premium location not cheap. Imagine a 2 rm flat cost $200k plus or even 300k next time. This is crazy.

[Guest guest]

  On 4/22/2024 at 8:16 AM, thickhead79 said:

Or 60yo

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Thought bank loan can loan up to 70 year old.

[Guest guest]

  On 4/21/2024 at 10:58 PM, Guest Abc123 said:

I couldn’t pay my S$370,000 mortgage so I applied for a loan modification. Now I have a 52-year loan. Is this normal?

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370k is flat price or loan amount?

[Guest Bad Idea]

  On 4/22/2024 at 1:09 PM, Guest guest said:

Thought bank loan can loan up to 70 year old.

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In the past was 65, now not sure.  Lawrence Wong will have a difficult time sorting out long term HDB mortgage problems as the population aged, the HDB price gone up, and people are working less with not enough retirement sum.  Now they won't see it, but another 30 years Singapore will be quite different and he might think that he won't be the PM by then. So kick the can of problems to the 5G leadership. 

[Guest guest]

  On 4/22/2024 at 1:46 PM, Guest Bad Idea said:

In the past was 65, now not sure.  Lawrence Wong will have a difficult time sorting out long term HDB mortgage problems as the population aged, the HDB price gone up, and people are working less with not enough retirement sum.  Now they won't see it, but another 30 years Singapore will be quite different and he might think that he won't be the PM by then. So kick the can of problems to the 5G leadership. 

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That's why they are increasing the retirement age to 65 and re-employment age to 70, so that people can afford to continue to pay for their mortgage. And they always tell you, buy HDB flat that you can afford. There are always 2 rm flat that most people should able to afford.

[thickhead79]

  On 4/22/2024 at 1:09 PM, Guest guest said:

Thought bank loan can loan up to 70 year old.

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For your first property, you are allowed to borrow 75% of LTV limit for loan tenure of 30 years or less up to age 65, or 55% LTV for loan tenure of more than 30 years, or if loan extends past the age of 65.

[thickhead79]

  On 4/22/2024 at 1:09 PM, Guest guest said:

Thought bank loan can loan up to 70 year old.

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i guess they follow retire age 

[thickhead79]

  On 4/22/2024 at 1:46 PM, Guest Bad Idea said:

In the past was 65, now not sure.  Lawrence Wong will have a difficult time sorting out long term HDB mortgage problems as the population aged, the HDB price gone up, and people are working less with not enough retirement sum.  Now they won't see it, but another 30 years Singapore will be quite different and he might think that he won't be the PM by then. So kick the can of problems to the 5G leadership. 

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just buy what u can afford 

 

small house also good 

 

important a roof over your head

[Guest guest]

  On 4/22/2024 at 2:35 PM, thickhead79 said:

just buy what u can afford 

 

small house also good 

 

important a roof over your head

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Agreed, have a own house better than don't have any own house, small or not doesn't matter much. If don't have own house, renting a room to stay no good for long run.

[Guest Guest]

Anyone have recommended renovation loan from bank? Which one is best now? Thinking of getting a reno loan.

[Guest HDB]

  On 4/22/2024 at 2:54 PM, Guest Guest said:

Anyone have recommended renovation loan from bank? Which one is best now? Thinking of getting a reno loan.

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You may take a look at this website @ https://www.singsaver.com.sg/personal-loan/renovation-loan

However, I am not sure if the information is up-to-date. As such, you need to confirm the Effective Interest Rate (EIR) & Processing Fee with the Bank.

[sayfirst]

https://www.propertyguru.com.sg/listing/hdb-for-sale-138b-lorong-1a-toa-payoh-25108465

 

Anyone wants to buy this flat for the listed price? 😛

Edited April 24, 2024 by sayfirst
edit

[Guest Eyes White]

  On 4/24/2024 at 3:19 AM, sayfirst said:

https://www.propertyguru.com.sg/listing/hdb-for-sale-138b-lorong-1a-toa-payoh-25108465

 

Anyone wants to buy this flat for the listed price? 😛

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If the seller is retarded, at least the agent should be realistic.  Apparently, the two are not living in reality.