Hi blur blue, this is not malibu but her husband replying to your concern on her behalf.Anybody went for this ? My gf thinking of applying but scare it will affect next time she apply for hdb loan once her divorce is over .
She will still be able to take a HDB loan so long as, at the point of applying for the loan, she is debt free, has no outstanding credit card bill and has not been black-listed by HDB. A bank loan will mostly be out of the question. Unless she seek for loans from legal money lending agencies like GE credit but they do charge an exorbitant interest rate that can be really taxing.She own alot of bank credit card bad debt . She waiting for the sell of her hdb with the $ she can pay of all the debt
She afraid once she go ccs later she need to apply hab flat wz the credit breau she might not be able to get any bank or hdb loamn
It doesn't matter whether she apply for CCS now or later as it does not have any effect on the sales of her current flat or the purchase of her new later later on.Should she apply ccs or wait till the sale of flat? Which might be another few months depend on his ex cooperation of selling the flat
Well my dear, if that's the case, I think it doesn't matter even if she omit the credit counselling so long as she is still able to manage her debt.Just talk to her . Right now she still not blacklist from bank as she still manage to pay the min every month . She thinking to hold on to it till the sale of the flat n faster repay all the debt .
If that's the case, the court would usually give the ownership to the one who contribute the most if:Hi Jameson, may I know what will happen to our flat if both parties refused to give up the flat during divorce? Btw, his contribution to the flat is much more than me.