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Living in JB
- Thread starter wuqi256
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Did an evaluation for working couple earning 5K or more below age 35.
(23% contribution rate)
Total OA contribution would be 2300 pm.
The highest price that would not require out of pocket cash payment for a HDB would be 575K at 30 yr hdb loan (2.6%) & monthly repayment of 2300.
But it be be rare for young couples to get 5K straight out from Uni..
It would be much more difficult for poly dips in this case..
(23% contribution rate)
Total OA contribution would be 2300 pm.
The highest price that would not require out of pocket cash payment for a HDB would be 575K at 30 yr hdb loan (2.6%) & monthly repayment of 2300.
But it be be rare for young couples to get 5K straight out from Uni..
It would be much more difficult for poly dips in this case..
Smart move bro. I cleared my hdb loan fully via my cpf already. Now focusing on my jb home. But unfortunately unlike u i need to get above rm500k cos my wife only gave green light this year after 10yr of subtle persuasion
Smart move bro. I cleared my hdb loan fully via my cpf already. Now focusing on my jb home. But unfortunately unlike u i need to get above rm500k cos my wife only gave green light this year after 10yr of subtle persuasion
Wah.. cleared you HDB so soon? good Job..
For me likely will clear JB property 1st as I plan to clear within 10 yrs due to unpredictable BLR rates which had been increasing..
For CPF OA, initially 20K earns 3.5% so no pt doing lump sum repayment.. hehe
True bro that is a good plan also with the % gain. I also plan to clear asap (10-12 yrs) d jb hse but this may need some belt tightening as in hols only in MY
n plonkg wateva bonuses into clearg d loan. Now exchange rate is super gd esp in bedok interchange as recommended by sis cathy so i exchang in bulk la for safekeepg towqrds servicg d loan.Yah.. Only managed to get rate of 244.2 yesterday at NB but bedok interchange was 245.1 as informed by forum bro..
For me, part of the bonus goes to SRS to reduce the taxes.. also will need to provision for replacement car within next few yrs as the car loan rate is higher since its neither annual/monthly rest.. just hope that COE returns to a more realistic figure.. the current COE alone is more than the price of my car & COE bot in 2006..
For me, part of the bonus goes to SRS to reduce the taxes.. also will need to provision for replacement car within next few yrs as the car loan rate is higher since its neither annual/monthly rest.. just hope that COE returns to a more realistic figure.. the current COE alone is more than the price of my car & COE bot in 2006..
For my case, yes. My mother in law went in only twice in the past month and applied with us, the officer say cannot.
Then give them explanation that we have house in Malaysia and she staying with us from now on, then they say ok.
when renewal of the MACS dunt need 4 times already right ?
I dun think so bro. When i do macs they neva chec d passport also. Till now dey neva scan my finger nor my passport
so 1st time need subsequently dunt need already am i right ?
so 1st time need subsequently dunt need already am i right ?
It depends. Some dun care some do chec. Maybe u can tell u just boght hse in jb so will be going in often in case u yet tO enter 4 x
Thanks Avonup and Jasonjst.
Spent the day at our shop today(not property), tiring day as had to do free IT and technical support for my wife and her company but we found a ladys bag behind our shop. It was opened and all contents thrown out and about. There was also a bowling ball in a black covered bag that was thrown just besides it. I surmised someone must have used this to bash her window in without making a sound.
My family immediately said to ignore, etc as we are foreigners here but i said, if we can find her name or contact, we should call her and return it. Everyone said no, as too much trouble, what if she asks questions since there isn't anything left inside except her cards like driving license, etc. Since everyone was trying to avoid problems and very much against me helping, i asked if my principal (MY) if she could help, in the end she did helped and called the lady to come.
We told the lady, seriously all the money is gone, but all your important identity/driving cards are here, there is a thumbdrive as well as your bank cards. She was very happy, turned out that she drove to a very dark carpark near to the Carrefour at Tebrau area and took her bag out, then changed her mind and put it under the car seat. Someone must have seen it and decided to get away with it.
In the end, we are just glad that at least she didn't have to suffer further by having to cancel or to redo all her important cards.
Spent the day at our shop today(not property), tiring day as had to do free IT and technical support for my wife and her company but we found a ladys bag behind our shop. It was opened and all contents thrown out and about. There was also a bowling ball in a black covered bag that was thrown just besides it. I surmised someone must have used this to bash her window in without making a sound.
My family immediately said to ignore, etc as we are foreigners here but i said, if we can find her name or contact, we should call her and return it. Everyone said no, as too much trouble, what if she asks questions since there isn't anything left inside except her cards like driving license, etc. Since everyone was trying to avoid problems and very much against me helping, i asked if my principal (MY) if she could help, in the end she did helped and called the lady to come.
We told the lady, seriously all the money is gone, but all your important identity/driving cards are here, there is a thumbdrive as well as your bank cards. She was very happy, turned out that she drove to a very dark carpark near to the Carrefour at Tebrau area and took her bag out, then changed her mind and put it under the car seat. Someone must have seen it and decided to get away with it.
In the end, we are just glad that at least she didn't have to suffer further by having to cancel or to redo all her important cards.
By the way, best way to get MACS is through either
1. Bring photos and your house S&P if you purchased a property to Danga Bay, near the Tune Hotel.
2. Bring to CIQ (Woodlands) and show them your passport, some bros said earlier they will need you to show them VISA stamps of at least 4 times in a month. Recently in some earlier posts, saw some bros had the good experience that they didn't bother. Still, best to be safe if one can but since you are going to go in 4 times anyway to "earn" the MACS, might as well apply for it the first time you go, that way, if they close one eye, then you don't need to go again. If they don't allow, you would have just wasted 30 minutes of your time and just continue on your original journey.
1. Bring photos and your house S&P if you purchased a property to Danga Bay, near the Tune Hotel.
2. Bring to CIQ (Woodlands) and show them your passport, some bros said earlier they will need you to show them VISA stamps of at least 4 times in a month. Recently in some earlier posts, saw some bros had the good experience that they didn't bother. Still, best to be safe if one can but since you are going to go in 4 times anyway to "earn" the MACS, might as well apply for it the first time you go, that way, if they close one eye, then you don't need to go again. If they don't allow, you would have just wasted 30 minutes of your time and just continue on your original journey.
Went to Nusa Duta today as one of my friends has bought more there, this time, a semi-d. Met new friends there as some has bought the last few semi-ds. Now prices ranges from 830-900 RM for a semi-d. Again, their design was pretty good, only thing was the kitchen was in the living room area albeit shielded by a glass panel. Finishing quite ok as the developer even fixed stuff before the customer raised the defect.
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