Serious hdb loan

[frenchbriefs]

according to sinkapore economist leong sze hien,one should apply for the maximum hdb loan permissible,the rest should be kept in cpf as a buffer if one relies on CPF to pay off ur mortgage loan.this is so that ur cpf do not run out of money and u have to service the loan by cash which can be quite heavy,and having ur flat repossessed after six months of default if u cannot afford to pay,for example u lost ur job or something.

while ur money is lieing inside cpf dormant,it shouldnt be sitting idly doing nothing,invest ur cpf money using the investment program into a mix of index funds and bond etfs,the annualised returns u get from ur investment should be far higher than the cost of capital which is the interest u pay for ur home loan which is 2.5% or could be even lower as low as 1% in the current promotion.this way u get to employ the power of leverage and compound interest,borrowing large sums of money six figures at low interest environments while investing ur money to get far higher returns.liquidate ur investments slowly as they appreciate and use the funds to pay off ur hdb mortgage loans.

 

[eatshitndie]

instead of slogging in sg and ending up in debt with a loan for a hdb flat and or a car, try planning to emigrate to kazakhstan. many kazakh women who are of mixed turk and mongol descent are waiting.

 

[winnipegjets]

instead of slogging in sg and ending up in debt with a loan for a hdb flat and or a car, try planning to emigrate to kazakhstan. many kazakh women who are of mixed turk and mongol descent are waiting.

View attachment 28051

Kazakhstan is like PAP land ...the PM is like emperor. Najib's son-in-law is from there. Sure, you want to go there?

 

[eatshitndie]

Kazakhstan is like PAP land ...the PM is like emperor. Najib's son-in-law is from there. Sure, you want to go there?

sinkies love the familiarity of a father figure and constant probe of their perineum. it's perfect.

 

[kkbutterfly]

according to sinkapore economist leong sze hien,one should apply for the maximum hdb loan permissible,the rest should be kept in cpf as a buffer if one relies on CPF to pay off ur mortgage loan.this is so that ur cpf do not run out of money and u have to service the loan by cash which can be quite heavy,and having ur flat repossessed after six months of default if u cannot afford to pay,for example u lost ur job or something.

while ur money is lieing inside cpf dormant,it shouldnt be sitting idly doing nothing,invest ur cpf money using the investment program into a mix of index funds and bond etfs,the annualised returns u get from ur investment should be far higher than the cost of capital which is the interest u pay for ur home loan which is 2.5% or could be even lower as low as 1% in the current promotion.this way u get to employ the power of leverage and compound interest,borrowing large sums of money six figures at low interest environments while investing ur money to get far higher returns.liquidate ur investments slowly as they appreciate and use the funds to pay off ur hdb mortgage loans.

anybody have the best solution to beat the system of having to take up loan(2.6% +2.5% of paying back accured interest) ?
can pm me if not willing to share here?

 

[rocket]

anybody have the best solution to beat the system of having to take up loan(2.6% +2.5% of paying back accured interest) ?
can pm me if not willing to share here?

U sounds like a person working for government body.
Pretend to be gong gong.come soup for info.

A while say thirsty.ppl say u diabetes u say no .
Ppl say u anxiety u refused to believe.

Now come ask how to beat HDB loan system.
How do u think it possible.
It is more likely u not in right frame of mind.
Too lonely suffer from social anxiety.

 

[kkbutterfly]

U sounds like a person working for government body.
Pretend to be gong gong.come soup for info.

A while say thirsty.ppl say u diabetes u say no .
Ppl say u anxiety u refused to believe.

Now come ask how to beat HDB loan system.
How do u think it possible.
It is more likely u not in right frame of mind.
Too lonely suffer from social anxiety.

yawn yawn

 

[rocket]

yawn yawn

Yawn won't help u.go see psychiatrist.

 

[kkbutterfly]

Yawn won't help u.go see psychiatrist.

burp burp

 

[rocket]

burp burp

2.5k how u mantain a flat.u married or single.
Better save up n use it for your illness.u severely sick.

 

[rocket]

Kkhospital how can u married .
U like a goondu.