Kim Tian HDB #3 - HDB First Appointment: What to expect?

Some of my friends have asked me questions about the first appointment, so this is a continuation to my HDB First Appointment post.


1. What are the procedures on our HDB first appointment?
• Our agent Francis has arranged us and the seller to meet him at the first floor.
• Francis got a queue number for us.
• Waited for around 15 mins before the customer front desk called our queue number. We went forward together with the seller and Francis.
• The seller verified their documents first, then our turn.
• Customer front desk allocate us to a HDB officer on the first floor.
• We waited for almost 40 mins till our queue number was called again to go into a room on the first floor to meet the HDB officer.
• Seller and us went into different rooms.
• Nice friendly HDB officer went through our financial plans with us, explain the resale procedures, and fix the completion date aka 2nd HDB appointment. We then signed many documents.
• Thereafter Francis brought us up to level 3 to pay the COV + Conveyancing fees + Caveat Fee via cheque or nets.


2. Documents to bring for first appointment?
• Original and 3 photocopies IC of both buyers
• HLE / Letter of Offer from bank
• Marriage Certificate or HDB Approval letter to defer the submission of your marriage certificate


3. Will seller know about financial situation of buyer since buyer has to submit income documents etc to HDB officer?
• Seller and us were assigned to different HDB officers, i.e. we went into different room.
• Seller will not know buyer’s financial status as buyer loan was pre-approved. If taking a bank loan, officer need not do a calculation for you again since it was done before 1st appointment by your banker. If taking a hdb loan, officer will meet buyers alone 1st to discuss your monthly installment.


4. Is the second appointment date fixed by the HDB officer? Can the seller / buyer ask the HDB officer to push to a later date?
• For completion, it’s normally 6 to 8 wks (HDB officer sets the date).
• But if any party wanna change date, both sellers and buyers have to agree on the date. Both parties have to draft a letter to agree on this matter.
• For our case, Francis did up a self-written letter on the spot and asked us and the sellers to sign, and ended with his signature.


5. What to expect before second appointment?
• Both Francis and nice HDB officer have advised us to go down to our future home to check at least 1-2 times prior to 2nd appointment if there’s any abnormality such as loan shark wordings etc.
• Then Francis has helped us set a date for the seller to move by then. Once the seller moved, we will have to go down to the unit to do inspection, see whether they have really moved out, took all that belongs to them, doesn’t remove the aircon etc.

We still haven’t fully figure out what to look out for during inspection. Maybe will bring mummys and daddys down with us. Haha... they are more experienced.


Will update on the inspection then! :) Hopefully no complications. *prays hard* Hehe...

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Kim Tian HDB #2 - HDB Approval Letter for Purchase

We have received the HDB approval letter for the purchase of our future home!!! :)

Pic above: HDB Approval Letter for Purchase

We are getting pretty excited as the date of completion (2nd HDB appt) draws nearer!

Oh ya, the HDB officer has reminded us to go inspect the flat before the 2nd HDB appt...

Hmm... wonders what we supposed to look out for???

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Mr Nice Guy's Cozy Birthday Celeb!

Celebrated 'Mr Nice Guy''s bdae last week... We had a cozy celebration with family. :)

Before that, i was thinking of going Universal Studios @ Sentosa Singapore, a chalet party, BBQ, Wild Wild wet etc but ALL were STRONGLY rejected by 'Mr Nice Guy'. He prefers a quiet intimate one... ('Mr Nice Guy' is actually an Otaku aka 宅男 at heart... haha ;p)

Shara ('Mr Nice Guy''s Lil Sis) introduced us to Burger Shack for dinner first. We ordered all the different burgers (chicken, pork, beef, lamb), reviews were not bad. But if you are more of a fish person, sadly they don't have fish burger over there. Apparently Burger Shack is opened by the same people behind Island Creamery, but we were too full after the burgers to stuff in any more Island Creamery ice cream. ha...

Pics above: Burger Shack

(Credit: Ladyironchef)

Thereafter, we had the cake cutting and birthday song at home. Yummy Durian cake from Angie the Choice. :)

Pic above: Happy bdae boy wishing (wonders what's his wish? :))

Pic above: 'Mr Nice Guy'?? Ahem ;p

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Cartier Love Ring

Went to google about Cartier Love ring and found a little background story about the Cartier LOVE collection...

Pic above: Cartier Love collection

In the summer of 1969, a (then young, now late) Cartier staff designer, Aldo Cipullo, created the Cartier Love bracelet, inspired by the chastity belt. Cipullo designed such that the Cartier Love ‘screw’ design is fastened with a tiny screw which can only be opened by the screw driver owned by the lover, symbolizing a "locked up," committed relationship.
(Source: About.com)

Pics above: Cartier Love Bracelet

(Credits: Live Absolute & Tongue in Chic)

This became a classic symbol of love, vividly depicting the faithful love and promises between the couple. What was special about the ring is that when putting on the ring, it requires the couple to tighten the screws on the ring together, signifying the unity needed to secure a relationship. (Source: Jay Chou-Jolin Tsai reunion started with a ring)

Pics above: Cartier Love Ring

Found some pics featuring celebrities with Cartier Love Ring to share...

Pic above: Celebrity Rain with Cartier Love Ring

(Credit: One Asian World, Agent P's Headquarters, sixtofive1982, Rainlistings, Soompi)

Pic above: Celebrity Leighton Meester aka Blair Waldorf Gossip Girl with Carter Love Ring

(Credit: Coolspotters)

Pic above: Celebrity Jung YunHo with Cartier Love Ring

(Credit: thejrocker, k bites)

Pic above: Celebrity Angela Zhang with Cartier Love Ring

Pic above: Our famous pretty Singaporean Arissa Cheo with Cartier Love Ring

(Credit: Xiaxue)

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Solemnization #1 - Collection of wedding bands

We went down to collect our wedding bands yesterday! Yipee!
Cartier took 1 week for the engraving, they initially told us 10 days, but called 'Mr Nice Guy' on friday saying that we can go down to collect on sat. :)

But both mummys felt that the rings are too overpriced after we showed them. :( Hmmm... coz we initially just decided we wanna gold ring (yes, we both love gold! hee). Poh Heng was our first choice as we always like Poh Heng and go there for mummy's presents etc, but just could not find any gold rings that we both like for our wedding band.*disappointed* Thereafter we went to Cartier, Bvlgari etc. We both love the Cartier Love rings when we saw them in HK but did not have Mr Nice Guy's size then, so we came back to SG and immediately bought them. Super heartache but loves the rings :)

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