the other irritant i find is that LTA has not updated the checkpoints to CEPAS enabled cards so I can't use my EZ link. The multitude of cards very difficult to keep track of sometimes in addition to ID and CCs. I also wonder if LTA implements GPS ERP, will we be charged when driving in JB? Wow that's quite a fair bit of money going into city. Am lucky to not need that amount...
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Living in JB
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the other irritant i find is that LTA has not updated the checkpoints to CEPAS enabled cards so I can't use my EZ link. The multitude of cards very difficult to keep track of sometimes in addition to ID and CCs. I also wonder if LTA implements GPS ERP, will we be charged when driving in JB? Wow that's quite a fair bit of money going into city. Am lucky to not need that amount...
Yes they did ask me whether I have other outstanding loans in Sg and I revealed to them honestly. I don't know whether or not they are able to find out by themselves though, if that's what you want to know.
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That would sound like a deathknell. I mean the GPS based ERP. That would be like a taxi meter aye?
I really hope that wont happen. But i know it will
I really hope that wont happen. But i know it will
I dun think the Credit Bureas are interlinked. Although they can ask you for Singapore Credit Burea statement.
My wife and I are totally of CCs as well. Just dun wan a record with the Credit Burea.
My wife and I are totally of CCs as well. Just dun wan a record with the Credit Burea.
May I make a suggestion to those who use the cashcard for ERP purposes: have two cards. One is the one you use most of the time, the other [minimum sum e.g. S$10] you keep in your wallet or somewhere safe in the car. This is because it is possible for the cashcard to be stolen out of the vehicle in JB or in Singapore. The nuisance of being without a cashcard at a crucial time makes the precaution worth the $10
They did not ask me anything. Just asked for my wifes and my pay slip and then the banks proceeded from there.
My sales advise to me was no need to review everything unecessarily. If they want to know, let them go and check themselves. So that was what I did. :X
Alright next time I'll ask them to find out by themselves =P By the way Cathylmg, you've followed my mistake, should be 'reveal'. Haha, I've corrected mine.
When they ask me whether I have any outstanding loan I just told them that I have a hdb loan. Then I said you all should be able to check wat? LOL! I thought all banks are link one...no meh? Act blur lah....LOL!
One thing with borrow from banks, reveal as much assets as possible, but don't reveal any debts lah....let them go and check on their own. Btw, regarding credit cards outstanding, if you pay minimum amount regularly, there is no way to lower your credit ratings....
But if you forget then how? Eg a busy executive forgets to pay the min on pay by date i know he is slapped a hefty late payment fee.
In addition does it affect ur credit rating? Sorry i dunno this one...
But i just wanna be safe. So no CCs for me and no loans other than asset loans.
In addition does it affect ur credit rating? Sorry i dunno this one...
But i just wanna be safe. So no CCs for me and no loans other than asset loans.
Btw, regarding credit cards outstanding, if you pay minimum amount regularly, there is no way to lower your credit ratings....
It should be "advice" in this case
For loans, just do your own assessment what is comfortable to you.
That aside, you can regard MY and SG as independant of each other. Eg. UOB JB does not check your UOB SG details, vice-versa. The officer processing your loan is quite important, make sure he/she is smart and know how to present your case in the event that you want to get several loans.
The MY credit bureau keeps track of each and every loan you submit for application. Hence if you apply to 5 banks for the same loan, all 5 will be recorded in the credit bureau. If you have a blur officer processing your loan he might have a problem figuring out what is your total commitment. Let's say you apply loan for one unit, halfway through you decided to switch to another house but same value (assuming the developer allows you)... the next bank that reviews your application will assume you have an existing loan.
If you then decide to purchase a property in SG, i know that UOB in SG will not check if you have any overseas commitment.
That aside, you can regard MY and SG as independant of each other. Eg. UOB JB does not check your UOB SG details, vice-versa. The officer processing your loan is quite important, make sure he/she is smart and know how to present your case in the event that you want to get several loans.
The MY credit bureau keeps track of each and every loan you submit for application. Hence if you apply to 5 banks for the same loan, all 5 will be recorded in the credit bureau. If you have a blur officer processing your loan he might have a problem figuring out what is your total commitment. Let's say you apply loan for one unit, halfway through you decided to switch to another house but same value (assuming the developer allows you)... the next bank that reviews your application will assume you have an existing loan.
If you then decide to purchase a property in SG, i know that UOB in SG will not check if you have any overseas commitment.
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FYI - the credit report in Singapore tells you whether you have roll-over credit card amounts. Hence for those who pays minimum but does have roll-over, it does lower your credit rating in that sense. For those who even miss the minimum payment, the record shows accordingly.
I'm sure most of us do not have such issue but if you are interested, try the $5 credit search on yourself, you can get this on the web.
Nope i dun have any Credit Cards. So my history and reputation still intact and clean.
Only loans i have are House & Car both paid on time.
Only loans i have are House & Car both paid on time.
So the first purchase in Malaysia would be free of any home loan caps should you also currently have a singapore mortgage??
Hi guys, just got back.
A couple of things to update:
The Eminent place is getting better but slightly more expensive these days. Went with my wife and 2 of us went and had a full body massage, costs us around 300 RM but with lots of extras, ear candling, "ba guan"/"gua sha" thrown in.
Cash card - Definitely have additional, one thing to note is that the station they have there won't let you top up, etc. Its to pay it in case the machine the booths are using is faulty, etc.
Crime = Is everywhere, no place is 100% without crime, its just that some places are more prone than others, just keep a level head and be vigilant.
My 2 cents, this is not a political thread, freedom of speech, etc is very welcome, politics or the playing of is not. (I have enough of it at the office) We can talk about others things from time to time but we should keep to the main topic and not get side tracked or focused on just one continuously. The keyword here is continuously. This is good as a point of reference but it should not be a single reference point for a subtopic.
Also, constantly putting down any place is detrimental to all as everywhere is linked, just as i never point out the presence of potholes in other developments doesn't mean that i am not aware of it.
CC cards = They will have records of you but the CBS in SG is not linked at all to Johore. Sometimes though, they will try to get you to present the online $5 dollar report to them if you are requesting for a higher loan.
If you have one bank with multiple accounts and you get late payment for even just one, you will still have a record of late payment, etc. The US banks especially a famous one with commercial of a porter mentioning chili crab is especially unforgiving. The records at CBS are not erasable though, if you really find that you have paid on time and that there was real factors involved, you can go to the bank and get it taken off. After all, they are the ones who send their data to CBS.
Prof is right to keep away from CC, avoid it unless you have no choice.
By the way, speaking of CC, when using your CC at certain petrol stations, its very easy to forget about the CC inside. Do take note to take it out, pump and then take your receipt. Also, remember to put the petrol pump back correctly. 2 cues that your pumping session is over is when you 1. Hear the pumping motor stop 2. See the receipt or see the message on the petrol kiosk.
Whenever possible, keep your CC in plain sight, never let them take it away, if you are not sure whether an establishment is dodgy, just pay in cash or go to the counter and pay with the card. At all times, look at the card, even when they are passing it back to you so that they don't pass you a dud or expired card.
A couple of things to update:
The Eminent place is getting better but slightly more expensive these days. Went with my wife and 2 of us went and had a full body massage, costs us around 300 RM but with lots of extras, ear candling, "ba guan"/"gua sha" thrown in.
Cash card - Definitely have additional, one thing to note is that the station they have there won't let you top up, etc. Its to pay it in case the machine the booths are using is faulty, etc.
Crime = Is everywhere, no place is 100% without crime, its just that some places are more prone than others, just keep a level head and be vigilant.
My 2 cents, this is not a political thread, freedom of speech, etc is very welcome, politics or the playing of is not. (I have enough of it at the office) We can talk about others things from time to time but we should keep to the main topic and not get side tracked or focused on just one continuously. The keyword here is continuously. This is good as a point of reference but it should not be a single reference point for a subtopic.
Also, constantly putting down any place is detrimental to all as everywhere is linked, just as i never point out the presence of potholes in other developments doesn't mean that i am not aware of it.
CC cards = They will have records of you but the CBS in SG is not linked at all to Johore. Sometimes though, they will try to get you to present the online $5 dollar report to them if you are requesting for a higher loan.
If you have one bank with multiple accounts and you get late payment for even just one, you will still have a record of late payment, etc. The US banks especially a famous one with commercial of a porter mentioning chili crab is especially unforgiving. The records at CBS are not erasable though, if you really find that you have paid on time and that there was real factors involved, you can go to the bank and get it taken off. After all, they are the ones who send their data to CBS.
Prof is right to keep away from CC, avoid it unless you have no choice.
By the way, speaking of CC, when using your CC at certain petrol stations, its very easy to forget about the CC inside. Do take note to take it out, pump and then take your receipt. Also, remember to put the petrol pump back correctly. 2 cues that your pumping session is over is when you 1. Hear the pumping motor stop 2. See the receipt or see the message on the petrol kiosk.
Whenever possible, keep your CC in plain sight, never let them take it away, if you are not sure whether an establishment is dodgy, just pay in cash or go to the counter and pay with the card. At all times, look at the card, even when they are passing it back to you so that they don't pass you a dud or expired card.
wavesSss
can anyone see this post?
can anyone see this post?
Agree with you Cathy
Obviously NusaJaya and therefore Iskandar as a city will develop and we will together reap the benefits.
Dude its ok if issues are highlighted here in this forum. Dun worry. This is just one forum. There are several other forums on JB as well. Even if we dun raise issues otherforums will. So many forums abound.
The objective should never ever be to stop free speech (ofcourse no flaming allowed). Let forummers say what they wanna say, raise issues and be involved in a healthy engaging debate. That will bring more value and people will respect this thread more as it will be a great encyclopedia for those who wanna move to Jb. Like there was this time when i said Potholes abound and then Wuqi pointed out that the potholes had been patched up and I checked that and found it was true.
So this will prove to people that action is being taken.
Now regarding crime, the issue has been raised up and lots of ideas and suggestions on how to protect yourself. So it helps for everyone.
so dun worry. dun be downcast.
There are bright and sunnydays ahead for all of us.
Agreed Prof, though its good to point out things, when we point out something(like potholes), it should not limited to one area as there are many other places with potholes as i imagine you are aware.
When i brought my relatives out, i don't try to influence their purchase choice, i also brought them out to the first link area to be fair.
There are no house rules here but I would rather that we do not overly pinpoint a specific place or put down some places at the detriment of others.
Discussion/debate on anything is great but a series/pattern of continuing messages putting down one specific place isn't very healthy, this applies to
everyone, myself included.
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Originally Posted by dapbest
HH security is actually top-notched compared to the rest of the tamans like Setia indah, setia tropika, Adda heights, etc. That is why u see so much more mercs and BMWs and even lambos parking safely outside units at The Gateway and the Golf.
Hope more people come to their sense and not even consider buying up units in places like permas, tampoi etc when there are an oasis here.
I also hope one robbery happens in HH so that everyone will sit up and take note that security CANNOT be taken for granted.
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Dapbest, no one place is perfect.
Every place has its pros and cons, thats why when i rated HH in the past with the other developments, i never put HH as no. 1 even though i am staying put here. It appeals to me as it has what i want, different things work for different people. Some may need something that others don't. Others have different priorities as well as needs. Crime happens everywhere, its just how people react to it and move on. Dwelling on a single crime that just happened isn't going to make you safer. Its the steps that one takes to avoid. I agree with Cathy on this one, we shouldn't put down anyone place.
Please, lets just put a stop to all this, agree to disagree and talk about other worthy topics.
HH security is actually top-notched compared to the rest of the tamans like Setia indah, setia tropika, Adda heights, etc. That is why u see so much more mercs and BMWs and even lambos parking safely outside units at The Gateway and the Golf.
Hope more people come to their sense and not even consider buying up units in places like permas, tampoi etc when there are an oasis here.
I also hope one robbery happens in HH so that everyone will sit up and take note that security CANNOT be taken for granted.
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Dapbest, no one place is perfect.
Every place has its pros and cons, thats why when i rated HH in the past with the other developments, i never put HH as no. 1 even though i am staying put here. It appeals to me as it has what i want, different things work for different people. Some may need something that others don't. Others have different priorities as well as needs. Crime happens everywhere, its just how people react to it and move on. Dwelling on a single crime that just happened isn't going to make you safer. Its the steps that one takes to avoid. I agree with Cathy on this one, we shouldn't put down anyone place.
Please, lets just put a stop to all this, agree to disagree and talk about other worthy topics.
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