As HY and I experience the Dawson saga, it doesn’t just give us the assurance that God has good plans for us, but also that He has the perfect timing. Hence, the best thing we should do, always, is to trust in His gifts and believe in His timing. I will be detailed in this thanksgiving because I want to give God the full glory. This will be a long entry.
The Dawson BTO (Built-To-Order) project was designed by award-winning architects and centrally located in the Queenstown district. As a result, around 10,000 people applied for it, making it over-subscribed by a few times. We applied for a four-room flat because we know that by 2016, we probably would have just started our own family.
There were 1,102 four-room flats available and our queue number was 1,302, meaning we needed 200 applicants to drop out before we were eligible. However, we actually needed more than 200 applicants to drop out because these 1102 units were divided to meet the ethnicity quota. This basically means that we needed Chinese Singaporeans to drop out if we wanted to smell a chance! Nonetheless, we made it by God’s grace and here are ten reasons why we are still rejoicing and praising God for His providence.
I. Balloting Success. By God’s grace we were successful on our first attempt – quite a miracle considering that there people who have repeatedly applied without success. I remember telling HY that the more we had to depend on “luck”, the more confident I was for God is in control and that we need not depend on our achievements.
II. Right Phase of Relationship. Timing was key in our application. We had arrived at a point in our relationship where we were ready to move on to the next phase of our courtship. We felt that we were ready to progress in our relationship.
III. Additional Housing Grant. Couples with a combined income of less than $5,000 would receive additional housing grant (AHG) of up to $40,000 from HDB. Basically, the lower the combined income, the higher the AHG awarded. This worked out perfect for us because by God’s divine timing, we applied for this when HY was a student without income and when I drew the modest salary of my working life. Any earlier and I’d be on a better income, any later, and we’d have been on a higher combined income. Applications for Dawson opened in that perfect window. HDB actually requested for HY’s CPF statements only up to June 2010 – she began work on 1 July and would therefore have CPF contributions from July onwards! Get it?
IV. Staggered Downpayment. HDB created this payment method to encourage couples to settle down at a younger age. Those below 30 years old have the option to pay their deposit (10% of cost of flat) at two intervals – once at flat selection (now) and the other at keys collection (six years later). And as this is completely paid through CPF, it means that our cash-commitment amounts to zero (not because we have a lot in our CPF, but because of the AHG).
V. Queenstown District. One of the factors that helped us to increase our balloting chances was to be situated near one of our parents. To qualify for this, you’d need to stay within a 2km radius of your parents. Ghim Moh is over 4km from Dawson but because both estates belong to the Queenstown town council, we still qualify.
VI. Breakthrough with HY’s Parents. There was no easy way to ask HY’s parents for their approval and support for this application. We were so scared about this that we actually methodically prepared a detailed six-page FAQ as we tried to speculate the questions they might ask, and we even rehearsed the Q&A! This chat also took place at a time when there was slight tension in the family. It really took courage and a step of faith to present this to them. And their response took us by complete surprise, “Actually you don’t need to ask us because it’s your combined decision… But if you ask us, there’s no issue – this is a good deal – go ahead!” W-O-W!
VII. Centrality. In light of the current skyrocket prices of flats, our Dawson flat actually seems affordable (and almost a steal). It’s a great investment no matter how you look at it. One reason why we were attracted to the place was for its location – a 10-minute commute to almost anywhere (Ghim Moh, Holland Village, the Singapore CBD, Orchard Road, Harbourfront, Chinatown and City Hall), leopard-crawling distance to Grace Assembly of God and walking distance to Queenstown MRT.
VIII. Growth Spurt in Faith. We selected the flat on the fourth day of Grace Retreat. We spent most of the two weeks before our selection appointment refreshing the HDB website, checking how fast our quota was depleting. Our appointment was the second-last of the day and at the time of our selection, we were amongst the final 10 Chinese (i.e 10 more remaining units for the Chinese ethnicity). When we left HDB, there were only five units left. By 10am the next day, the Chinese ethnicity quota had completely depleted. Imagine the mental roller-coaster! Despite all that, we managed to select a high floor – 11th – and while it feels like a relatively low floor in a 47-level block, it was much higher than we had expected!
IX. Payment Commences in 2016. Yes, it will take half a decade for the flat to be ready but we see it as a good thing because it means that we’ll have more than enough time for our CPF to swell with nearly six years of monthly contributions. By then, we won’t even need to worry about additional cash injections because we could easily sustain the monthly repayments. This is significant; if we had purchased a resale flat, we’d require around $80,000 liquid cash (how!?) – half for Cash-Over-Valuation (COV) and half for renovations. Thank God we need not worry about that! In fact, we can take our time over to slowly and steadily save for renovations.
X. Housing Loan Eligibility. As this is a BTO, it means that our housing loan eligibility (HLE) would be reassessed when we collect the keys in 2016. This means that our HDB loan would be derived based on our combined income in 2016, instead of now, where it’d be based on only a single income. This is easily a difference of over $200,000 in loans! Can you imagine if we had to borrow that additional amount from a bank to finance a resale flat, or buy a $200,000 flat?
There’s so much more to thank God! For one, we are officially home-owners now and it’s a huge load off our chest. After all, purchasing a house is one of life’s milestones, and for us to nail it at 27 and 23 years old respectively, was beyond our expectations. To know that we’ve overcome this hurdle allows us to focus on building our relationship and making us even stronger than before. God is faithful indeed. All glory to Him alone!
I had intended to post a very (x 1 million) long entry, which I am currently still writing, but I can’t contain the joy anymore and I must declare it immediately. I promise though, that the elaborated entry will arrive in the coming days (if not, weeks). For now, HY and I are delighted to announce that we have, by the amazing grace of God, successfully selected a four-room flat in the coveted HDB Built-To-Order project called SkyVille @ Dawson, and we cannot wait to receive the flat in the coming years. I PROMISE – details to be released soon! But for now, here’s what our future home will look like!
The following pictures were all taken from here; this link is also the official website for this project. Our address in 2016: 87 Dawson Road #11-XX, Singapore 141087. (I ought to keep the unit number secret for security reasons…) Oh man, HY and I are super overwhelmed by God’s goodness! We have had one crazy journey with the Lord and we have so much, so much to thank God for! Thank you for all your prayers! HY and I are on our way to becoming property owners! Can’t wait! Can’t Wait!! CAN’T WAIT!!! (((:
I won’t have sufficient time to write properly tonight as I’ll be with the boys tormenting LK on his buck’s night. I was just telling BL (whom I met for lunch), that LK will either thank me for such a great job planning this memorable evening or regret making his best friend his best man for his wedding. Tonight is going to be legendary evening that will live on in brotherhood folklore; I can’t wait to execute the tricks up my sleeves together with JT1, JT2, JW and ML. I’m in the business of creating memories! (Actually, I’m going the extra mile only because he has been my best mate for nearly half my life.)
So for today’s entry, I’ve found this two-year-old note lying amongst my facebook notes and I think it’s quite a poignant read, now that I’m finally back and settled in Singapore. I’ll share it here. By the way, do remember to participate in my centenary giveaway!
Air thoughts at the airport
Friday, 10 October 2008 @ 16:13
The all-too-familiar Singlish of my fellow passengers surrounds me as I sit at Gate D87, waiting to board the plane. Like me, a good number of people are also at their laptops, doing work. I have to churn out the company budget for 2009 to while I’m on the plane as I plan to submit it tonight. What really drives me on is that the earlier I complete it, the earlier I can indulge myself with Naruto. HAHA! But seriously, the less outstanding work I have means the more work-free my holiday would be. I do not want to suffer the same fate as my colleague who went back to Singapore just before I did – hounded by calls from the company everyday. That must have been absolutely annoying on a vacation.
I have appointments lined up, hmm, more like packed-to-the-brim, during my time back home. It’s quite scary how I do it but strangely enough I enjoy being loaded with activities. It’s almost deja vu; at the same time last year, I was frantically meeting up with people from all over to say my goodbyes, averaging 4-5 appointments a day; it’s no different this time. Huiyi thinks I’m crazy. Sometimes I think I am crazy too but I think at the end of the trip I will look back and be glad that I’ve actually gone on an appointment frenzy.
I really miss hawker food – good, cheap, fast. I remember a friend telling me that between the three adjectives, you can only choose two. Things that are good and fast will not be cheap, etc. Hawker food is the answer.
More and more people of all nationalities are starting to congregate even as I write this note. I look forward to the many embraces that I will receive from and give to my friends, especially the affection from my family and my girlfriend. Somehow, this trip back – my fourth in a year – is the one that was most hastily arranged but yet the one that I am most anticipating. I guess spontaneity always puts me at the edge of my seat.
Oh, and I have to mention this. I had a total of four checked-in baggages but only one belonged to me. (Thanks, Kurk, for the very snazzy black Samsonite!) The other three baggages are: a snare drum which I helped Jenn to buy, a bag for my grandmother, and a bag for Aunty Coreen; these two bags are such a contrast from my overall public image – it’s a Tiger Beer and a Chan Brothers bag for pete’s sake! That’s certainly 100% yucks. HAHA. Well, it doesn’t matter. The total baggage weighed 37kg! That’s the SAME WEIGHT as when I first got to Shanghai! Thank God the airport folks closed one (and possibly two) eye(s) on this! And to think it’s actually quite a full flight makes me all the more grateful.
In retrospect, it’s coming to a year in Shanghai and in that year, I’ve learnt so much. Well, I can’t possibly write down the things I’ve learnt in one paragraph so don’t expect it to be published here! I believe I’ve matured spiritually, grown wiser in my character and gained valuable work experience over here. I believe I experience many things others do not; for example, my friends in Singapore are dying to head out of Singapore for a vacation and yet I’m dying to head back to my home country for a holiday. Nothing beats home – absolutely nothing. Oh I’m so convinced that It’s a gonna be a good homecoming. The fourth, and the best one yet, I’m sure.
Yes, I’m coming home.
I am grateful for the welcome that I have received from my colleagues. Everyone has been kind and helpful. It feels like working from home; after all, this is a place I’ve called home for over a decade. Premature to say, but I feel good about being here. Let’s see where that takes me tomorrow.
Attended a prayer meeting in the afternoon together and somehow it feels really good to pray during office hours and not feel like you’re taking time away from your work! I never felt this way before when I prayed for extended periods of time in my previous jobs during office hours.
Thought of the day – there’s no difference between relational praying and religious chanting if we’re just doing it for the sake of doing it without engaging God with our heart, mind and spirit. Whenever we pray we shouldn’t just vomit words but we should really seek God and ask Him what we ought to be praying about and for today. It’s all about praying the will of God.
HY and I experienced a breakthrough in our journey of faith today. She’s been such a courageous girl, bless her heart – I have a girlfriend who inspires me. God has shown Himself to be faithful and He granted us favour tonight. We are beginning to make sense of Romans 8:28 and have that verse personalise our faith in God. God is good, He is in control and He will bring it to pass.
“And we know that God causes all things to work together for good to those who love God, to those who are called according to His purpose.”
Can’t wait to wake up to pursue His purpose in a few hours.