Lobangs?

I've called up the banks today & understd dat they do not require proof of ownership for application of reno loan, hence...i will be applying full force on Wed ;D Cos i need to photostat this & dat & everything else. Will b trying for OCBC, SCB, RHD & Maybank. Maybank is reali making me confused. I duno isit the calculator on the website is spoilt or my math fail. Based on my comparisions, it seems like Maybank's interest is fixed & not on reducing balance. Any1 can enlighten me on this??! And wat the fuck is Construction Loan? Cos i saw it on UOB & HSBC website. Basically, i've also went thru NTUC, TCC & Citibank as well. Hitachi Credit can forget abt it liao..

Was reading thru the forums & realised HDB takes an average of ONE MONTH to rectify defects. I wonder is there anything i can do to speed it up besides calling HDB like a madman? I reali hope to kai1 gong1 on 20th Nov at the latest.

Well, Chris's car kenna a minor accident last nite but the impact was quite heavy. He came my hse at 6.30am this morn & i could see the freaking dent on the driver's side door!!! I hope Thomas (the car dealer) will not go back on his words as he has promised us the price. But dents will affect the final price..im praying dat his colleague is blind when we pass the car to him coming Sat. The idiot biker who knocked into the car is a 30yr old guy. He made Chris sign an indemnity form (wuhaahahahahaha) to promise dat he will not pursue the matter after he gives Chris a $200 chq. The worst thing was, while they were arguing abt who's fault was it, the guy's dog kept licking Chris's smelly foot, lol. Well..i hope dat if the selling price of this car is affected, it will not go beyond $200. And hope can collect the new car earlier..Its crazy but cos i do feel better with a car as we do need to travel abit to buy stuff & chk out prices.

Have decided the models to buy for hob & hood, washing machine, fridge...and LCD tv (but this item will be the last of the last of the last). Mattress, kitchen sink, tap, heater (storage or instant? I still very gian storage~) duno hw....will look around. Luckily aircon is already included in the package else will die from all the vomitting of cash. Lights, more or less, we noe where to get & compare. Will b visiting an IO's father's furniture shop in Toa Payoh 2..hope to get great discounts there! Im hoping to get a cheap cheap sofa..In fact, the only things im willing to pay more for are the kitchen stuff *gasp* Amazing~

10 more days to keys collection :) (And the wiping out of our CPF account OA & beginning of bills payments for a flat dat we wont be moving in for the time being)