So, as per the last entry on my key collection on last Oct 2016 that unfortunately/fortunately did not happened, here we are again at Part Deux of the key collection. If you would like to recall the whole 5 parts, click below:
- Financing our upcoming home: Part 1 - The harsh reality
- Financing our upcoming home: Part 2 - The headache
- Financing our upcoming home: Part 3 - Finding solutions
- Financing our upcoming home: Part 4 - Executing the solution
- Financing our upcoming home: Part 5 - Key collection
If you could recall from my other entry here, HDB only gave us a deferment of only a month after our appeal in November >> 20 Dec 2016. Any later than that, we will have to pay a penalty of (a very nice figure) $2,112 every month until we collect the keys. *shrug shoulders*
Along with the appeal for the deferment of the key collection date, we also received a letter from HDB to reassess the loan according to Mr. J's current salary back then. We thought we do not need to submit the "new" HDB loan form because I still do not have a job. Until the same letter on the deferment mentioned that they would need us to submit the documents (my statutory declaration stating that I'm not working, Mr. J's salary slips and other documents that I can't recall - hey, it's been 6 months since. lol). If they do not receive the documents, they will take it as we do not need the loan.
And so we did as told, and waited.
Our initial HDB Loan amount was around $264K when the both of us were working back in year 2014.
The new HDB Loan amount granted to us after the reassessment was $244K, with only Mr. J's income.
*The figures of the loan has been rounded up/down to protect the confidentiality.
So we were somewhat still short of money? But it's considered still better than nothing, right? *staying positive*
We calculated and had to dig up our savings that was meant for the house renovation (dry laugh) to pay for the shortfall in cash. :')
Went to the bank and did a cashier's order of whatever the amount we thought we needed to pay HDB.
>>> Fast forward to 20 Dec 2016 >>>
Nervous.
We were worried we couldn't collect our keys - AGAIN. Once bitten, twice shy you know?
I recalled Mr. J making a remark, "Ni kalau tak dapat jugak, dah. Kita give up sudah". Haha. I could somehow sense he was tired with the drama already. But of course, we went into the sales office with lots of do'a, in hopes that we could really really get to collect the keys.
We walked in, and was greeted by a nice kakak Sales Officer, who had our documents, looked at our current CPF balance through her monitor, her calculator and stationery all laid out nicely on her desk.
Mr. J and I threw glances at each other - nervous of the outcome.
She asked to confirm, "Suhailah is currently not working, am I right?" something along those lines. We nodded our head.
She did her calculations.
After she keyed into the system, she keyed into her calculator and showed us the shortfall that we have to pay in cash.
Dang! We were still short of about SGD 1.2K. :O #cuakinprogress
We did not factor in the miscellaneous cost like Stamp fee, Registration Fee, Survey Fee and all the fees yang sewaktu dengannya. *hides face*
"Ermmm... Macam mana eh kalau cashier's ordernya tak cukup?"
"The balance can be topped up by cash".
Phew!
Mr. J then called his helpline (his brother kekeke) for help to transfer some funds and once Mr. J receives his upcoming salary the next day, he'll transfer the funds back to his brother.
Settled the payment. Followed the instructions of going to the different levels to open up our SP Services account and get our home insurance by Etiqa.
And finally, back to the sales office room where we were handed THE KEYSSSS!!!
YES, WE FINALLY RECEIVED THE KEYS IN OUR HANDS!!!
We breathed a huge sigh of relief and went "ALHAMDULILLAHHHH" when the kakak passed the set of keys to us. She smiled and said "Tahniah!" :)
Wow.
Just. Wow.
It was definitely a challenging phase for the both of us just to get to where we were - at that moment!
The stress, the anger, the heading down to MP to appeal along with my big bump, the disappointment when I still couldn't get a job...
All that. Wow.
Really is a test Allah put us through. And I'm glad we got over that phase.
Alhamdulillah Alhamdulillah Alhamdulillah.
To recall that phase again as I'm typing this very entry, makes me feel more assured that if the both of us can go through such a tough time like that together, insya'Allah we can go through anything together.
Alhamdulillah :)
- Financing our upcoming home: Part 1 - The harsh reality
- Financing our upcoming home: Part 2 - The headache
- Financing our upcoming home: Part 3 - Finding solutions
- Financing our upcoming home: Part 4 - Executing the solution
- Financing our upcoming home: Part 5 - Key collection
If you could recall from my other entry here, HDB only gave us a deferment of only a month after our appeal in November >> 20 Dec 2016. Any later than that, we will have to pay a penalty of (a very nice figure) $2,112 every month until we collect the keys. *shrug shoulders*
Along with the appeal for the deferment of the key collection date, we also received a letter from HDB to reassess the loan according to Mr. J's current salary back then. We thought we do not need to submit the "new" HDB loan form because I still do not have a job. Until the same letter on the deferment mentioned that they would need us to submit the documents (my statutory declaration stating that I'm not working, Mr. J's salary slips and other documents that I can't recall - hey, it's been 6 months since. lol). If they do not receive the documents, they will take it as we do not need the loan.
And so we did as told, and waited.
Our initial HDB Loan amount was around $264K when the both of us were working back in year 2014.
The new HDB Loan amount granted to us after the reassessment was $244K, with only Mr. J's income.
*The figures of the loan has been rounded up/down to protect the confidentiality.
So we were somewhat still short of money? But it's considered still better than nothing, right? *staying positive*
We calculated and had to dig up our savings that was meant for the house renovation (dry laugh) to pay for the shortfall in cash. :')
Went to the bank and did a cashier's order of whatever the amount we thought we needed to pay HDB.
>>> Fast forward to 20 Dec 2016 >>>
Nervous.
We were worried we couldn't collect our keys - AGAIN. Once bitten, twice shy you know?
I recalled Mr. J making a remark, "Ni kalau tak dapat jugak, dah. Kita give up sudah". Haha. I could somehow sense he was tired with the drama already. But of course, we went into the sales office with lots of do'a, in hopes that we could really really get to collect the keys.
We walked in, and was greeted by a nice kakak Sales Officer, who had our documents, looked at our current CPF balance through her monitor, her calculator and stationery all laid out nicely on her desk.
Mr. J and I threw glances at each other - nervous of the outcome.
She asked to confirm, "Suhailah is currently not working, am I right?" something along those lines. We nodded our head.
She did her calculations.
After she keyed into the system, she keyed into her calculator and showed us the shortfall that we have to pay in cash.
Dang! We were still short of about SGD 1.2K. :O #cuakinprogress
We did not factor in the miscellaneous cost like Stamp fee, Registration Fee, Survey Fee and all the fees yang sewaktu dengannya. *hides face*
"Ermmm... Macam mana eh kalau cashier's ordernya tak cukup?"
"The balance can be topped up by cash".
Phew!
Mr. J then called his helpline (his brother kekeke) for help to transfer some funds and once Mr. J receives his upcoming salary the next day, he'll transfer the funds back to his brother.
Settled the payment. Followed the instructions of going to the different levels to open up our SP Services account and get our home insurance by Etiqa.
And finally, back to the sales office room where we were handed THE KEYSSSS!!!
YES, WE FINALLY RECEIVED THE KEYS IN OUR HANDS!!!
We breathed a huge sigh of relief and went "ALHAMDULILLAHHHH" when the kakak passed the set of keys to us. She smiled and said "Tahniah!" :)
Wow.
Just. Wow.
It was definitely a challenging phase for the both of us just to get to where we were - at that moment!
The stress, the anger, the heading down to MP to appeal along with my big bump, the disappointment when I still couldn't get a job...
All that. Wow.
Really is a test Allah put us through. And I'm glad we got over that phase.
Alhamdulillah Alhamdulillah Alhamdulillah.
To recall that phase again as I'm typing this very entry, makes me feel more assured that if the both of us can go through such a tough time like that together, insya'Allah we can go through anything together.
Alhamdulillah :)
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