Housing Loan Eligibility (HLE)

After almost 3 years, our BTO; Hougnag Parkview is finally at a stage at which it is almost done and 2 blocks of flats are already in the midst of getting the keys to their home! Our block is the 3rd one so of cause we are excitedly waiting for any news of it being done, and soon before we know it here is the first news!

The letter for us to apply for our HLE; received on 19/02/2014. Deadline for submission is 04/03/2014, but of cause we plan to do it earlier.

The application of the HLE is a submission of a series of letter and also our pay slip and our CPF statement to prove that we are able to service the loan in the future. The last time when we first applied for the HLE was when we got the Q number for our BTO, then only i have started working and that was in July 2011; I started work with MOE on June 2011 where as Stanley started work with Mircon in September 2011, Looking back, it has been almost 3 years! Wow!

There are a couple of requirement which needs to be fulfil in order for us to apply for the HLE, basic are;

1) You need to be a Singapore Citizen or PR
2) You need to be employed.
3) You need to have an income within the stated income gap by HDB.
4) This needs to be the 1st time you are loaning from HDB, we are each allow to loan once max twice with them.

Once you know that you meet the requirements which we did, you can go ahead and submit the HLE form. Unlike back then in 2011, HLE form submission are all done online now with our Singpass assess. So all you need to have the the scan / PDF copy of each of your CPF statement, payslip and HLE form ready when u log on to the Singpass for submission!

In the end, we submitted the HLE letter on 27/02/2014, and now it is just waiting for the results of HLE and the keys!!! =) 

Eggcited!!! 

Wedding & Home Preparation in Full Swing!

It is like less than one year to our Wedding now and very soon, we will be getting the key to our home sweet home. Therefore, preparation is in full swing and everything needs to be properly planned out.

Being slightly OCD (yes, I am OCD!), I am very particular about how things is done and the time i take to do things. So having a schedule and a timeline is very important to me.

So what i did in December 2013 is to have a calendar with all the key dates, to-do list, and holidays written already, so that it can all go smoothly. Kind of need to be knowing what to do and what is going on.

So, this is the calendar which i have with all the holidays and my to-do list marked out at the side. 

And all the appointment i have too. 

It kind of show all that is related to the wedding, house or us! 

Example of my to-do list.

It is really so I am on task and know what i need to do next. 

And yes, we booked our flight to Taiwan for our pre-wedding photo last year, we the dates are there, all marked out already. Of course the endless list of to do! 

December the Wedding month and looks like the to do list do not end even after the wedding ends! 

Gosh! 

I also keep a file of all the wedding stuff and calendar together so that i do not lost anything before the wedding itself. Cause blur me have the tendency to lost anything and everything! 

Here is the Pre-Wedding details from Bvlgari and also Actual Day Bridal Dress, flower and make up (MUA) from Dream Wedding. 

Here is the details of the wedding banquet itself from Hotel Royal @ Queens! 

All put aside and ready to go! 

So as you can see, I am very well-organise and plans alot. I have to say right now Stan and I have been enjoying the process and it is real fun especially when we are getting the house. Financial wise also because we planned early, I think we gonna be alright and able to achieve the goal of not having to take anything from our parents! So yup, Praying hard for all the work out! 

Fighting! 

Love!