Newbie questions

DREAMorACTION · May 29, 2012

Have been addressed several times, maybe search under the main thread. Cheers

Geminipegasus said:
Hi, I like to ask whether there is any advantage to take a loan over paying up given that the interest rate in MY is quite high.

DREAMorACTION · May 29, 2012

By 2014, maybe tuas will be as jammed, because many developments will be TOP by then. Watch the trend and decide later :smile:

tonto said:
I recently bought a place in Bukit Indah and it will be ready late next year or early 2014. My office is located in Woodlands and my current residence is at Bukit Panjang (BP). I am thinking of moving into JB and renting out my flat in Singapore and drive to work in Woodlands everyday. I must be at work between 8.30am to 9am and finish work around 6.30pm. Is it more advisable to travel by the Causeway since the distance is shorter? What is the jam situation like on weekdays? Is going through 2nd link even a viable option assuming I dont mind the distance but is the time savings worth while (I am assuming the jam in mornings and evenings at 2nd link is not as bad as Causeway). Any tips from those who are already doing the same i.e. work in SG, live in JB, would be greatly appreciated

I have been traveling in and out of JB recently on weekends and feel that I could really get used to living in JB.

wuqi256 · May 30, 2012

lattner said:
Like to check with all,

For a new development, there are some nicks and retification works that the developer has to carry out, is it wise to pay in full for a sub sale house? As a 2nd owner would the house be still under "warranty" from the developer?

By paying full for a sub sale, are there any risk, would I recieve the title deed immediately from the developer?

Thanks in advance.

Most of the time (actually 99%), even if its within the 2 years, the developer can choose not to do any defects once its sold to another person(subsale). You are better off paying the rest to the owner only after securing his help to either rectify before final transaction or to use his help to get developer to fix any defects.

wuqi256 · May 30, 2012

Geminipegasus said:
I do not have a driving license. Is a foreigner without a driving license allowed to buy a car and will the price of the car be at local rates or a higher rate for a foreigner. I read earlier that one can buy a car for 10K ringgit so this excites me because I have never own a car before. Your idea of hiring a MY driver to drive my car is very suitable for me when I stay in JB. Also why the AngMoh hire a driver to drive them into SG? Is it they also have no license like me? Thanks

You will need a driving license in most countries to buy a car. Same in MY as they need to get you insurance coverage etc. There is definitely no difference especially if you are buying a new car directly from the maker.

Example, Perodua, you go to Perodua sales office. Sometimes there are also seasonal discounts so do look out for it. Yes you definitely can still get cars easily here. Some of them prefer to be chauffered while others have PR in SG so they cannot drive MY car into SG which is why they use MY drivers to drive them in.

wuqi256 · May 30, 2012

tonto said:
I recently bought a place in Bukit Indah and it will be ready late next year or early 2014. My office is located in Woodlands and my current residence is at Bukit Panjang (BP). I am thinking of moving into JB and renting out my flat in Singapore and drive to work in Woodlands everyday. I must be at work between 8.30am to 9am and finish work around 6.30pm. Is it more advisable to travel by the Causeway since the distance is shorter? What is the jam situation like on weekdays? Is going through 2nd link even a viable option assuming I dont mind the distance but is the time savings worth while (I am assuming the jam in mornings and evenings at 2nd link is not as bad as Causeway). Any tips from those who are already doing the same i.e. work in SG, live in JB, would be greatly appreciated

I have been traveling in and out of JB recently on weekends and feel that I could really get used to living in JB.

Welcome to the neighbourhood! :smile:

I would go to the first link route. Leave your place early, make it there around 5.30am to 6am and you should be fine.

LGLab · May 30, 2012

Housing maintenance incurred for staying in Horizon Hills.. anything i missed out?

Monthly charges.
Water and Electrical Bills $130.00 / 312 RM
Garbage $39.00 / 93 RM
Security Guard Post $40.00 / 96 RM
House Maintenance $40.00 / 96 RM
Property Tax $14.50 / 34.8RM

Total $263.50 / 632.4RM

anything else i missed out?

any HHian can advise?

Thank you.

wuqi256 · May 30, 2012

Re: Housing maintenance incurred for staying in Horizon Hills.. anything i missed out

LGLab said:
Monthly charges.
Water and Electrical Bills $130.00 / 312 RM
Garbage $39.00 / 93 RM
Security Guard Post $40.00 / 96 RM
House Maintenance $40.00 / 96 RM
Property Tax $14.50 / 34.8RM

Total $263.50 / 632.4RM

anything else i missed out?

any HHian can advise?

Thank you.

A bit weird, a terrace is only about 90 RM, i don't pay anything more for the guard post nor house maintenance?
Electricity is about 200 plus. Property tax and the sewage is another one.

tonto · May 30, 2012

Many thanks for your suggestions. Without sounding like a whiner, assuming I reach Causeway around 6am, it would mean my journey to work would take about 2.5 hours :eek:

That requires some rethinking :( I did some calculations on the journey and going by 2nd link would mean additional traveling distance of 18.5km and would cost an additional S$15 per day. For a full month with 23 work days, that is an additional S$345 per month :*: If I could shave one hour from my traveling time using 2nd link, then its probably worthwhile. Otherwise either I use my JB place as a weekend home first or start adjusting to longer traveling times.

Bro Wuqi: Many thanks for starting this forum and sharing all that you know. You are super cool :cool:

LGLab · May 30, 2012

Re: Housing maintenance incurred for staying in Horizon Hills.. anything i missed out

wuqi256 said:
A bit weird, a terrace is only about 90 RM, i don't pay anything more for the guard post nor house maintenance?
Electricity is about 200 plus. Property tax and the sewage is another one.

can you kindly enlighten how the proper finance of owning a terrace in HH is ?..
I remembered I have the list from the budgeting in this forum as well..

wuqi256 · May 30, 2012

tonto said:
Many thanks for your suggestions. Without sounding like a whiner, assuming I reach Causeway around 6am, it would mean my journey to work would take about 2.5 hours That requires some rethinking :( I did some calculations on the journey and going by 2nd link would mean additional traveling distance of 18.5km and would cost an additional S$15 per day. For a full month with 23 work days, that is an additional S$345 per month :*: If I could shave one hour from my traveling time using 2nd link, then its probably worthwhile. Otherwise either I use my JB place as a weekend home first or start adjusting to longer traveling times.

Bro Wuqi: Many thanks for starting this forum and sharing all that you know. You are super cool

Not to worry, the suggested time is to ensure you will be there 99% within 1 hour. If you are able to take doing a journey of 1.5 hours, then you can do it slightly later even at 6.30am or 7am. Anything above that would mean about a 1.5-2 hour drive.

travelmum · Jun 3, 2012