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Saturday, January 23, 2016

miz houz (part 9)

okiez... this post will be on the path of searching for THE company for the interior design of Miz Houz~ and the source... is Qanvast!!! for both the design inspiration as well as the wide spread of interior design companies... in fact... I've been browsing Qanvast for the longest time and I think I know what kind of design I'm looking for... country style... with a fully functioning kitchen island... white and blue and black and grey... so it boils down to "who to do the job" question...

the good thing about Qanvast is that you can submit your request for quotations with the "specifications" of your home... and Qanvast will recommend 5 of the interior design companies which best suits your needs... not sure about their selection criteria... but I'm sure one of the requirements would be good review of the companies based on past customers... anywayz... representatives from these 5 companies will contact you for a meet-up to know more of your needs... honestly... I thought I had to approach the IDs and tell them right in the face how I want my kitchen island to be... and a lot more... but I was wrong... because this would feel like you are just asking a contractor to renovate your house for you... so... after meeting the first two IDs... I decided to seek advice from family and friends who have done their renovation through IDs... and I was told that... while it's important to tell the IDs what is your main focus for the renovation... you should let the IDs do their job... which is to design your dream home... because you will be paying them for it... and true enough... I received more creative designs from the other IDs which didn't cross my mind initially... but now that they mentioned it... I was having second thoughts... =D

anywayz... these are the interior design companies that I discussed with... regardless of whether I like their design or quotation amount...
- Ciseern
- Design 4 Space
- Rezt & Relax
- Hklassic
- Orange Cube (EXPO)

so now... my criteria list:
1) preferably country style... or mediterranian... don't know how to spell...
2) kitchen island is a MUST!!!
3) preferably a dining space for 7 people...
4) Blue is a MUST!!!
5) NO PINK!!!

frankly speaking... now I don't restrict the IDs on where to place the dining space nor the kitchen island... but of course the kitchen island needs to be in the centre of the kitchen la... arbo why do you call it an island right ?~ anywayz... the list of design companies don't seem a lot... but man... it was tiring... imagine meeting at least one ID every Saturday or Sunday... because:
first meeting - you tell them the basics that you think you need plus whatever specific items you want... then they need time to draft out their quotations and whatever is included in their quotations...
second meeting - you review the quotation and then decide whether the amount is acceptable... and if not... what can be omitted to achieve your budget...
third and last meeting before your final decision - you receive the revised quotation and tell them that "ok... I'll look through it... thanks..."

well... it's nearing Chinese New Year now... so I think I'll take a break from running around and start comparing the various quotations seriously... I'm foreseeing a major headache and dilemma...

Saturday, January 16, 2016

miz houz (part 8)

finally~ the day has come~ and passed~ I went for the first appointment with the seller at HDB Hub today~ woah... 人是多的咯~ although I didn't have to wait too long for my number to be called for registration (only)... I waited for more than an hour to go into the office for the "interview"...

the officer went through the mandates like how much grant I can get... how much CPF will be withdrawn for the many many fees like stamp duty... left how much CPF... how much do I have to loan from HDB after wiping out my CPF for partial payment of the selling price of the flat... how much is the monthly instalment for the loan... honestly... it's a whole lot of information... but I did my homework before my 35th birthday la... so I can still digest... but I had to top-up cash (or NETS) for the caveat fee and something else... but it's less than S$150 so it's still fine...

and yes... first appointment is completed... so now I have to wait for another 8 weeks (no less) for the collection of keys... which is in March... in the meantime... I think I will be running around to check out the interior design companies who can cater to my needs with my low budget... haiz... that's another problem altogether... well then... that's all for my first appointment...

PS: the officer happened to be my friend's spouse... no wonder her name sounded so familiar... I found out when I was browsing through the news feed in Facebook... 世界真的是太小了...

Saturday, November 14, 2015

miz houz (part 7)

woah... didn't update yesterday because we were having out D&D and I got home real late and tired... so K.O. after showering... anywayz... first appointment with HDB has been booked... in January 2016 !~~!~! have to wait su~~per long lo...

so... after the last update... I met up with the agent to exercise the OTP the next day... and to pay the remaining deposit... to seal the deal... one thing to compliment the agent about... is that... he knows I'm quite anxious about this deal since it's a good deal to me ma... and maybe he wants to complete it A.S.A.P. to get his commission also leh ~? anywayz... ya... so... he asked whether he could meet me near my workplace to get the OTP signed earliest possible so that he can submit to the bank on the same day before they close... ya... that... to me is praise-worthy... yup... and so... I brought a copy of my NRIC and the cheque and a copy of my HLE and the reimbursement for the valuation fee... to meet him at the Starbucks nearest to my workplace so that we can have a table for all the documents that I need to sign... happened that I only need to sign the OTP that's all... =3

then ah... the agent called me yesterday to ask me for some more personal information for the resale application that he will be submitting for both the bank and myself since he has all the required documents... afterwhich... he hesitantly told me that... he needs to put in the amount that I paid (or supposed to pay) him for him to act on my behalf... die la... how much is he expecting sial... if too much then should I say I want to do everything on my own instead of asking him to help huh... ya... all these questions flashed in my mind while he's trying to explain that it's his company's policy (or something like that because obviously I wasn't too concerned about his reason) that he needs to declare how much "commission" I'm paying him to act on my behalf... so... I also hesitantly asked him how much would that be... and he replied "$100 plus GST so $107"... suddenly... I pictured him with bright light and wings behind him... because honestly... he's helping with all the paper work and running around for me (and of course for his commission from the bank since they are the ones who engaged him to help them sell the unit) and he's only going to "charge" me $107 for it... what can I complain right ~? at least he's not asking for 1% of the selling price or $1k from me... so I just agreed for him to put that amount down and told him my concern when he first mentioned it... and he explained that I only need to pay him when we meet for the first appointment with HDB... which he messaged me last night to tell me that it will happen in January 2016 !~!!~!~ ya... I checked... November and December 2015 have no more available slots and the earliest is in January 2016... woohoo~~~ so now... all I need to do is wait until my leave system for 2016 to start so that I can apply leave for the first appointment !~~!~! after that I would have to wait for another 6-8 weeks for the second appointment and I can get my keys !~~!~!~! so~ exciting... *suppressing the urge to jump up and down*

okiez... so in the meantime... I MIGHT be blogging about the Korea trip... MIGHT only...

Wednesday, November 11, 2015

miz houz (part 6)

okiez... the dice has been cast... and the valuation of the unit is...
...
wait for it...
...
...
higher than what I offered !~!~!~ which means... I don't need to pay extra cash formerly-known-as (fka) COV !~~!!~ lucky~~~ the valuation report is dated 9 November... although it wasn't there on myHDB page when I checked that day... it was only until the agent emailed me to say that the valuation is out and asked me to let him know the price yesterday night...

okiez... so the next steps are for me to submit the buyer's resale checklist and then exercise (sign) the OTP... the agent has kindly offered to help me do up the checklist... all I need to do is to login to myHDB (because need Singpass) and submit the checklist... which I did earlier today... and we also set to meet tomorrow to sign the OTP with the agent as the witness... which means... I have to prepare the cheque for the remaining deposit of $1k and the reimbursement to the agent because he paid for the valuation fee ($199.25) upfront...

cash will start to flow out quite quickly from here... =(

Thursday, November 5, 2015

miz houz (part 5)

hmmz... my last update felt super long ago... anywayz... I received the Option To Purchase (OTP) which I have to exercise within 21 days from the option date (yesterday) !~!~~!~! and the agent has submitted the request for valuation to HDB today which should complete within 14 days !!~!~~!!~ the clock is ticking !~~!~!~!

my previous post mentioned that I should be able to get the approval/ rejection from the bank by last Friday or latest by Monday right ?~ but I only got the OTP yesterday... why ?~ "because my offer is lower than what they are asking for... so the bank officer handling the case had to submit to higher authority to review... and then... that higher authority had to "summon" their own valuer to go valuate the unit because my offer is lower...and then... because the valuation turned out to be higher than what I'm offering... that higher authority had to submit to even higher authority to approve..." and actually... I'm super lucky that my offer got approved... "because my offer is actually the lowest amongst all offers that the bank received..." ......wow......

don't get me wrong... I appreciate the agent's role as the liaison between the bank and myself... I think it's really a tough job... and the commission they receive after the completion of the transaction... bo hua... and I also agree that I'm super lucky... because if you noticed from my posts on Miz Houz... I received the OTP in less than one month from the approval of my HLE eh... plus the fact that this is only the second unit that I viewed... plus this is not any Tommy-Dicky-Harrily-flat... this flat actually fulfils all my criterias...

1) it must be in a particular area...
2a) it must be in one of the blocks that I've shortlisted or...
2b) it must be a corner unit...
3) it must be at least 10% lesser than what I have in my CPF plus how much I can loan from HDB based on my HLE...

so... I got the OTP from the bank yesterday... and according to HDB's website... the buyer has to submit the request for HDB's valuation by today... otherwise... the whole process have to be restarted... OMG... so... I "chased" the agent like there's no tomorrow since he said that he would help to submit the request on my behalf... which is logical because he has both the bank's and my information... so yup... the request has been submitted...

that pretty much sums up the current status of getting Miz Houz... until further updates... goodnight...

Thursday, October 29, 2015

miz houz (part 4)

honestly... things are happening so~ quickly that I've hardly caught my breath since the day I found out that my HLE was approved and I've issued the cheque for $1k for the option fee... nopez... not the $380k flat... rather... it's another flat that has the same floor size as that unit just a few blocks away...

*** the agent was late by 30 minutes !~!!~ ***

this flat was repossessed by the bank due to defaulted instalments... and it was almost empty except for some worn-out wardrobes and floor tiles... this flat was way~ cheaper ($330k) than the $380k one... but I still asked for a lower price la... who don't want to pay lesser right ~? although in the end I still feel that I should have asked for a much lower price... anywayz... it's now up to the bank whether they want to accept my offer... otherwise I would just have to source for other units lo... I'm still thinking about the $380k flat though... still hoping that they would accept my offer... it's not the state of the flat that I like... I prefer the layout of the $380k flat compared to the $330k flat... although both also corner units la... but then again... see whether I want the layout but pay more money or just settle for the cheaper one... all I can do now is wait for the bank to reply on my offer... the agent said that we can expect a reply by either tomorrow (last work day of this week and month) or latest Monday (first work day of next week and month)... just that he don't know whether the reply is good news or bad news...

I...
shall...
hoooope...

Wednesday, October 28, 2015

miz houz (part 3)

hmmz... I've just visited one of the flat choices that I've shortlisted... and the agent/ owner is asking for $380k for a 3.5 room flat !~!~!~ it's a corner unit la... but my goodness... seriously... not like the flat is elaboratedly renovated until I no need to renovate ah... on the contrary... the flat is old and rundown... and I would have to renovate the whole house lo... so asking for $380k is too exorbitant... anywayz... I'm going to message the agent to tell him my maximum offer... if they want... they take... don't want then I also don't want... I will keep a lookout for other units anywayz..

Tuesday, October 27, 2015

miz houz (part 2)

okiez !~~!~!~! my HLE got approved !~!~!~! and woah... my loan limit is so much lesser than $300k !~??~!?~ *takes deep breath* okiez la... come to think of it... the lesser I loan... the lesser interest I need to pay... from that point of view... good...but on the other hand... it means that I have lesser choices because of the total amount of money I can afford (loan + CPF)... sadz...

anywayz... I'm so going to spam send messages to all the agents regarding their listing on both iProperty and Property Guru... of course I got my criterias la... which is further narrowed down by the maximum price of the flat... D=

I...
shall...
spammmmm...

Tuesday, October 13, 2015

miz houz (part 1)

yup~~~ I shall pen down the journey of obtaining, or not able to obtain, my house aka Miz Houz... hmmz... where should I start ~? not quite realistic to start from beginning of 2015 because all I could do was to look around for HDB flats and nothing else...

so... I shall start from the day I submitted my Housing Loan Eligibility form (HLE)... which happens to be... TODAY~~~ yay~~~ so now... I would have to patiently wait for HDB's reply on my application... then I can know how much I can loan ma right ?~ then I can know how much my flat CAN cost right ?~ so ya... I'll wait......
...
...
*checks email* hmmz... nothing... tells myself that I shouldn't expect one-hour-reply from HDB... so ya... I'll wait somemore...
...
...
...
*checks email again* hmmz... still nothing... well... tells myself again that I shouldn't expect 12-hour-reply from HDB... people don't work for me know ~? so ya... I think I'll check tomorrow...

haha... evidently... I'm as excited about HDB's reply on my HLE as my trip to Korea like finally~~~ anywayz... I shall concentrate on Miz Houz for this and future similar posts...

Sunday, October 4, 2015

HAPPY BIRTHDAY TO YOURS TRULY!!!

nothing much actually... just felt that I should at least wish myself a Happy Birthday via this blog... like what I used to do...

nopez... not sad or whatsoever... 그냥...

Monday, June 15, 2015

sadly... the end has come...

it's the end of my duties as a volunteer for the 28th SEA Games 2015 held in Singapore... and after spending more that two weeks of hanging around with this group of people... i can't help but feel some kind of sadness... but... 天下没有不散的宴席..

fond memories are made... duty times were always filled with laughter... with the Nila-wannabe who seems to be able to obtain anything he wants... and the two don't-know-what-to-call-them-other-than-little-angels around the Angel... and the "fangirl" who goes around asking for signatures and photos... the super-busy-but-still-find-time-to-run-de-runner... and of course... the super-reliable Brother Bear..

now that I'm back to my usual lifestyle... I will definitely miss them lots... I'm so looking forward to meeting them soon...

goodnight my friends...

PS: I actually thought of an essay to write while I was in the shower... but somehow... I can't seem to get the words out now that I'm out of the shower... weird...

Thursday, April 2, 2015

Hello~ 2015!!!

Woot~ First post after a looooooooooooooooooooooong silence... Well... Was thinking of migrating to another blog-site... But it was too much of a hassle to do so... So I'm sticking around for awhile longer...

Wanted to plan for some regular updates... But as a boring person... I realised that I do not have so many things to update... It's either 台湾 or Genting or the sky... Not more baking... No more or once in a blue moon maybe? KTV and stuff too... I'm sooooo boring ah I'm so boring ah!!!

Until then~ Take care everyone~

Friday, May 3, 2013

3 May 2013 - The saddest day in 2013...

and also the first day in 2013 that I shed the most tears... because my late grandpa decided on this date that he should move on... in heaven with my late grandma...

wasn't expecting THE DAY to come so soon... and with the least warnings... I think most of my tears were tears of regret... regret because I didn't visit him at my aunt's place as often as I should have... regret because I didn't managed to visit him when he was admitted into hospital 3 days before THE DAY... regret because I couldn't even make it to see him take his last breath on earth...

as a person who has just lost her last grandparent... I urge all grandchildren to always cherish your grandparents... because you might regret in future if you did not... not like I did not cherish my late grandpa... but I think I didn't do enough... which is why I couldn't stop my tears whenever I see my late grandpa's face in the coffin during the wake...

亲爱的公公...
好好走...慢慢走...
开心的走...
健康的走...
安心的走...
爱你的... 阿肥...

Tuesday, August 14, 2012

is your job your dream job ~?

did you ever have the thought that "WOW~~ this is the job I've always wanted !~~!~!" and stay thinking that way for many many years ~? or just "this job pays well enough... so yeah... I want this job..." ~?

nah... i'm not complaining about my job... but ya... i think the latter... and that's because i don't have a dream/perfect job in mind... so nope... i'm not thinking of changing to a higher paying job any time soon... just that... i was on the way to work on the premier bus that brings me straight from the bus stop near my house to the bus stop near my work place... when i heard a song by Girls' Generation aka SNSD aka 소녀시대 aka 少女時代 playing over the radio... and looking at the people on the ground rushing to either their work place or to queue for their breakfast... many thoughts went through my mind... because in every profession... you need to put in significant effort to be successful... be it a normal accountant... auditor... performing artiste... engineer... you need to go through training... or courses... to constantly upgrade yourselves... but at the end of the day... is this the job that you've always dreamed of ?~ if yes... are you really happy that you got the job you've always wanted ?~ if not... are you happy with this job ~? are you REALLY happy ~?


this post has nothing against not having that perfect job that you've always wanted... it only aims to awaken the inner you who still longs for that dream job... but not at the consequence of starving those who are dearest to you... please make sure that they are well taken care of before you embark on your journey to your dream...

lastly... all the best for those who are in pursuit of their dreams... and congratulations to all who are holding on to the perfect job now and those who found happiness in their current jobs... 화이팅 !~~!!

Sunday, April 29, 2012

Pre-台湾 Trip - 29/04/2012 to 05/05/2012

couldn't say that i'm not excited about going to 台湾 this time round... although not as excited as the free & easy trips i've went for... and that excitement has led me to being awake at this hour of the night...

everything packed and ready to go... and as usual... my backpack is the smallest and most probably the lightest... and that's after adding some 有的没的 into it already... then the other one is my gai-gai bag... not that big also... mainly because i don't have a bigger one... =D but i think i just spotted one... so i think i will be transferring all my gai-gai stuff to it... like now...

so good night and see you in 台湾~~~