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originality through imitation (part one) – the quest for originality.
Over the next few days I will post a series of my reflections (and study notes) from one of my morning devotions last week. I shared it with the GII Shepherds on Tuesday night and I was encouraged to hear their “check-out” (it’s something I get them to do at the end of my teaching sessions). In my preparation, I expanded my half-page handwritten reflections into a four-page lesson; hence I’ll take HY’s advice and separate this sharing into a four-part series instead of dumping the entire lesson into one entry, for better consumption and digestion.
On a side note, I remember telling HY and EL that I’m starting to think and write as if everything that I communicate or compose is a sermon. Is this an occupational hazard of a(n aspiring) preacher? I mean, it’s so weaved into my cognition process that I do that even in my devotional and prayer journaling! And the crazy thing is that I actually enjoy thinking, writing and speaking like that because this discipline forces me to streamline my thoughts and increase the efficiency in my choice of words. You may realise this if you’ve been reading my blog for a while.
But I digress. Here’s the first of four parts, which will bring us through to Sunday.
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Originality Through Imitation
Quiet Time Reflections on Genesis 1-2
By Joey Asher Tan
Introduction – The Quest for Originality
This is my umpteenth attempt at re-reading the Bible from the beginning. However, unlike the earlier efforts, I have a new zeal for the Word of God and I’ve determined within myself to find a revelation of Jesus Christ in every sitting.
So, in an all-too-familiar restart, I read the first two chapters of Genesis a little differently; I read Genesis 1 telescopically and Genesis 2 microscopically and I urge you to do likewise. You will then realise that Genesis 2 is actually an in-depth look at the sixth day of God’s cosmic creation.
By God’s impeccable design, Man was created by God to bear His image and to be the master of all life on earth. The making of Man concluded God’s creation process and with that He declared everything to be excellent in every way; Man was the icing on His cake and the cherry on His pie!
It was truly a privilege for Man to be come alive by the breath of God (nothing else in creation has that invocation!) and to be given the free will to make his own decisions. That to me, along with Man’s purpose to be God’s image-bearer, was the grace of God.
Creation then reveals the centrality of Christ in this manner – Jesus came to redeem and restore us (more on redemption and restoration later) to the original requirements of intimate fellowship with God. At this point in time, I asked God two questions: “What has creation got to do with Me? How is creation even relevant to my daily living?”
There is only one point which I will attempt to prove through this sharing.
I humbly opine that the best creation is the original creation. And that is in the image of God. I think this is why we are constantly called to imitate Christ, for Christlikeness is the expressed image of God (or the closest you could get!). We must realise that when we are Christlike, we are actually being original in its truest form. That in effect is saying, the more we are like Jesus, the more original we are! No wonder Paul said, “Be imitators of me, as I am of Christ” (1 Corinthians 11:1).
In a day and age where the clichés of being true to yourself and being original has become an over-emphasised and highly overrated aspiration, the Word of God interrupts us with a counter-culture challenge. Think about it – what’s so good about wanting to be who you’ve always wanted to be? According to what I have read, I see zero benefits; at this point of my life, I’d rather be more like Jesus than to be more like Joey. The older I get, the more I know my(wretched)self the more I conclude that there’s no glory in wanting to be myself.
So we arrive at a point of application. Throughout our lives, there’s always someone we look up to and desire to model after; he or she could be a parent, pastor, peer or even an onscreen personality. Everyone has heroes in their lives. I was instantly challenged to cultivate a solitary desire to mimic Jesus above and beyond any of my mentors. I’m not called to be Jesus, but to be like Jesus. And I think this universal truth applies to all serious believers who desire to showcase God’s glory through their lives.
Do me a favour, will you? Read Genesis 1-2 again and rediscover that, in light of our fallen nature, the best creation is truly the original creation.
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Next post: The Grandeur of the Creation of Man
JAT in a nutshell.
Famous people call it bio and computer programmes call it read-me; I decided against being witty, so off goes “I am not but I know I AM” (it’s the title of LG’s book anyway) and in comes “about JAT” – no frills, no nonsense, no smart-alec terms – just a simple (and severely over-elaborated) self-introduction. I enjoyed writing this – partly because I’m writing about myself (I’m shameless, but honest! Hmm… Shamelessly honest or honestly shameless?), but also because I enjoy writing – it was a creative exercise that I thoroughly reveled in. Normally I’d say to you, “Enjoy!”, but for this one, I’d tell myself – “Enjoyed!” This “about JAT” is now a mainstay on my blog – you can find it amongst the links on top. (You can’t judge me on my blog – I’ve already done that!)
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I am Joey Asher Tan, a 26-year-old Youth Minister with Grace Assembly of God Church, Singapore, since 15th October 2009.
I gave my life to my Saviour, Jesus Christ, on 28th November 1995, and started to pursue Him as my bullseye in life on 4th June 1997.
I was baptised as “Asher” on 23rd December 2005, and this Hebrew name represents, “Blessed, joyful and happy”, which is a befitting self-description.
I am a Bible-believing Christian who desires to know God more by working excellently and learning earnestly through a balanced lifestyle, for the glory of God.
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I love God, His Word and His young people; I seek to provoke thoughts, challenge perspectives and pen indelibility through my kaleidoscope of experiences.
I attempt to write daily because I want to capture the sheer plethora of thoughts that flood my mind; I consider it an achievement if I expand on one everyday.
I hope you feel my heart-on-sleeve passion, in-your-face authenticity and how I believe that the greatest gift you could ever give to young people, is to believe in them.
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I answered God’s call by heading into full-time ministry with my church, which is probably the craziest, but best thing I’ve ever done in my life.
I wake up every morning and thank God for allowing me to work in my dream job; I serve with “R-AGE” – it was there, as a 14-year-old, that my life changed.
I am in the business of Redeeming A Generation for Eternity and I pastor around 100 young people in the Grace AG (Bukit Batok) youth community.
I turn 21 every 21st October and I’m getting younger by the day because I hang out with the most awesome bunch of young people in the world.
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I graduated from Ngee Ann Polytechnic with a Diploma in Mass Communication, where I discovered my communication aptitude for writing and orating.
I credit my decade in Anglo-Chinese School for a rudimentary education in confidence; it is stillwhere I’d school my kids, after all, for the best is yet to be.
I am a commissioned officer and a tank platoon commander by training; I was with the Singapore Armed Forces for three years as an Army Regular.
I headed the Marketing Division of Global Beverages Asia and Wine Mall during a fruitful two-year stint in Shanghai, China, where my worldview formed.
I am currently pursuing my Bachelor of Communication with Royal Melbourne Institute of Technology and I cannot wait to begin my theological education.
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I trust that I am an authentic leader, a passionate speaker and a mentor who believes in young people; God engraved this three-fold ministry on my heart.
I am a grateful son and proud brother in a remarkable family that is spilling over with God’s grace, goodness, mercy and favour; I couldn’t ask for more.
I am confident I will be the world’s best father to my children and the best husband my wife could ever dream of; I’ve been blessed, so I shall bless.
I consider myself immensely privileged to be able to say “I love you” to a girlfriend who is a constant reminder of God’s grace to me; I can’t wait to marry her.
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I started serving in church when I was 15 years old, when God told me that I’d be a worship leader; God anoints those whom He calls – ministry began there.
I know I am built for the stage; I enjoy song-writing, performing and revel in taking the lead vocals – I delight in expressing myself and thrive in the limelight.
I have childhood dreams like everyone, so one day I will study in Fuller Seminary, speak to a million people, travel around the world, meet my heroes, John Piper and Eric Cantona (plus Uzumaki Naruto in my sleep!), and maybe even have a street named after me.
I aspire to be a published author, sought-after speaker and recorded artiste (and of course, life-changer and history-maker) before I depart this earthly body.
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If I could only say one thing to you, I would look you eyeball-to-eyeball, and say…
“Apart from Jesus, I can do nothing; I am absolutely nothing without Christ.”
teamwork is everything – would you rather go fast or go far?
So, what exactly is teamwork? Obviously, this buzzword describes work performed by a team; here are the other definitions that I’ve found on online dictionaries which will form the perimeters of my thoughts today:
- the combined action of a group of people, esp. when effective and efficient.
- cooperative or coordinated effort on the part of a group of persons acting together as a team or in the interests of a common cause; work done with a team.
- the cooperative work done by a team; the ability to work efficiently as a team.
- work done by several associates with each doing a part but all subordinating personal prominence to the efficiency of the whole.
- a joint action by a group of people, in which each person subordinates his or her individual interests and opinions to the unity and efficiency of the group.
- when a group of people work well together.
- the capability to comprehend and recognize the diverse strengths and abilities in a group setting and then applying them to one final solution.
- when people work collaboratively towards a common goal as distinct from other ways that individuals can work within a group.
- cooperative effort by the members of a group or team to achieve a common goal.
I don’t know what you have observed from the above definitions. For me, two words stick out – “people” (team) and “work” (work). I’m inclined to believe that the end result of teamwork (i.e. to achieve the objective) is actually secondary. I opine that teamwork is rooted in people involved in work, or if I may put it this way, teamwork is basically about being (people) and doing (work).
Teamwork gives the unique platform for both the task-oriented and people-oriented individuals to come together to achieve a common goal. Sometimes I wonder what carries greater significance – to achieve that goal or to come together. If a group of people accomplish something and yet kill one another in the process, then it defeats the purpose of working together. Similarly, unless it’s a machine or a computer accomplishing a task, it’s virtually impossible to get work done without involving people.
I led worship three times at the recently concluded retreat and while I celebrated at my accomplishment of playing the guitar for 90 minutes straight on the first night when I co-led it with JQ (and I’ve never played the guitar for such a long stretch of time), it was the second morning’s session which I will remember for a long time to come. I had already prepared a set of songs – complete with pre-retreat printed chords sheets for myself and lyrics sheets for everyone else. However, on that morning, just 15 minutes before the worship set, I randomly played “O Praise Him” (by David Crowder Band) and KY, who sat beside me, quickly caught the song and started to sing along with me.
SOAR247 (my youth group in Shanghai) instantly came to my mind at that point in time and with it came the triad of songs that the youth worship leaders there always led – “O Praise Him”, “Marvellous Light” (introduced at Rhema 2009) and “Prince of Peace” (an all-time favourite with the RLs). All three songs were in the key of G and I naturally medleyed from song to song. In an inspired moment (these moments do encapsulate the randomness and suddenness of youth ministry), I decided to lead these three songs for the morning session instead. Everyone around me immediately captured the idea; it was like they also wanted to be led into worship by these songs too.
It was then I saw the most spontaneous display of teamwork. HY, KY and MS took out their phones to google for lyrics; and in an instant, MW, YX and AT took out the flip charts and started writing lyrics on them. I can’t remember who else got involved but it felt like everyone chipped in without hesitation. I was moving from chart to chart, scribbling down the chords. It almost felt like a rehearsed routine except that it was second-nature for the leaders to get cracking – to make this worship session a reality. 10 minutes later, we were up and running and ready to go. I took a snapshot of that moment of togetherness in my mind’s eye and I thanked the Lord for giving us this wonderful thing called teamwork. Needless to say, I thoroughly enjoyed that worship session because WE led US into worship.
Two are better than one, because they have a good reward for their toil. For if they fall, one will lift up his fellow. But woe to him who is alone when he falls and has not another to lift him up! Again, if two lie together, they keep warm, but how can one keep warm alone? And though a man might prevail against one who is alone, two will withstand him—a threefold cord is not quickly broken. (Ecclesiastes 4:9-12)
I appeal to you, brothers, by the name of our Lord Jesus Christ, that all of you agree and that there be no divisions among you, but that you be united in the same mind and the same judgment. (1 Corinthians 1:10)
As it is, there are many parts, yet one body. The eye cannot say to the hand, “I have no need of you,” nor again the head to the feet, “I have no need of you.” On the contrary, the parts of the body that seem to be weaker are indispensable, and on those parts of the body that we think less honorable we bestow the greater honor, and our unpresentable parts are treated with greater modesty, which our more presentable parts do not require. But God has so composed the body, giving greater honor to the part that lacked it, that there may be no division in the body, but that the members may have the same care for one another. If one member suffers, all suffer together; if one member is honored, all rejoice together. Now you are the body of Christ and individually members of it. (1 Corinthians 10:20-27)
“Family” is one of the three DNAs of Grace Assembly of God Church (and R-AGE). I’d go one step further to say that a family isn’t effective and efficient unless they learn to work together and love one another. Teamwork is absolutely essential to the core value of a family church, and in a larger context, the body of Christ. May we always remember to be excel in both our being and our doing – and there’s no better way to achieve this than through teamwork.
“If you want to go fast, go alone. If you want to go far, go together.” (Warren Buffet)
the 2003 (self-)prophecy came true.
I’m currently away with my beloved GII Shepherds, GI Community Leaders as well as with all the R-AGE full-time staff at Aloha Yatch Club, planning for R-AGE in 2011. I know I’m a visionary, but planning isn’t one of my main strengths (that’s why I’m always thankful to God for sending me HY, for she is my ideal complement); I guess I could still be excellent at planning (or just about anything I put my heart to, even administration *puke* – which I’m sure will not exist in heaven…), but I wouldn’t be as thrilled about planning as I am about vision-casting. I believe that visionary leaders must determine the destination while strategic leaders chart the journey.
This is a long shot, but I think my gift for visions and prophecies started when I was 20 years old. In the final semester of my Mass Communication days in Ngee Ann Polytechnic, for this module called “Professional Preparation”, we was given the assignment of writing a cover letter to complement the resume which we had already put together. Most of my friends applied for positions like “Intern Reporter”, “Intern Public Relations Executive”, “Intern Advertising Executive”, “Intern Radio Presenter” and the likes – basically jobs that we have been studying and training for in the last three years. No prizes for guessing what I applied for! Enjoy the read, and be careful what jobs you apply for. (:
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3 March 2003
Pastor Ronald Yow
Youth Pastor
R-AGE Ministry
Grace Assembly of God
355 Tanglin Road
Singapore 247960
Dear Pastor Yow,
HERE I AM, TO SERVE – AS AN INTERN YOUTH PASTOR.
I have been actively involved in R-AGE Ministry ever since it inaugurated in July 1997. My sizeable contributions over the past six years are testimony to the commitment I give to this youth group.
My character temperament – a Sanguine-Choleric – is ideal for the role of an intern youth pastor. My ability to influence and inspire, as well as my outgoing personality underlines the charisma required of youth pastors. Furthermore, I am perceived as a natural leader amongst my peers and I am initiated to assume the role of a leader in most group settings.
I also believe I possess the three most imperative qualities that an intern youth pastor should have.
Being Faithful: I believe this characteristic is displayed through my perseverance in serving in the Creative Arts Ministry Youth (CAMY). I started out as a backup singer; I am now confirmed as a worship leader. I also believe that an effective youth pastor must be grounded in the Word of God. In addition to pursuing the Word of God on a daily basis, I also attend Precept Bible Study classes on a weekly basis and am also a part of the Diakonos (discipleship group).
Being Available: Currently, my two main commitments are the CAMY and TeamR-AGE (a youth soccer team that I have pioneered) and I hold key leadership roles in both ministries. I have also been engaged in various R-AGE events over the past years; my proudest effort would be coordinating the hugely successful programme for Dream-Makers (annual youth camp). The extra involvements indicate my availability, enthusiasm, initiative and my desire to serve outside of my fixed duties.
Being Teachable: My mentors and leaders, who know and understand me well, assert that I have the humility to be corrected and taught. I am an autodidact; on top of picking up things fast, I always endeavor to learn new things and explore new ways to do old things, making every effort to be more efficient and productive.
My involvement with TeamR-AGE and my experience of leading SoHelpUsGod (youth cell group) also reinforces my ability to manage a group of young people. Besides singing and songwriting, I can also play multiple instruments – essential skills that can be utilised for corporate and personal ministry purposes.
Moreover, with the youth congregation rapidly growing to beyond 250, an increase of more than 50 per cent in just two years, I believe that my appointment would make a timely significant contribution to R-AGE ministry.
I am driven by a spirit of excellence and strive to give only my best. And with a relevant mass communication background, I have been conditioned to work under tight deadlines and to deliver quality work under stress. I believe this attribute, accompanied by the others I have listed above, makes me an excellent consideration for the role of an intern youth pastor, ultimately leading to a full-time youth pastor position after I complete Bible College.
Yours sincerely,
Joey Tan
Enc. One copy of resume (3 pages)
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Prophetic or whaaaaaaat? Hehe. I love my job; it’s like a dream come true to be doing what I’m doing, for a living. (:
sermon recap: time for spiritual puberty!
First and foremost, I think it was amazing that R-AGE spammed Facebook over the weekend with testimonies of how God impacted our lives. I shared about purchasing Skyville with HY. Click here for the Facebook note and here for the original testimony. This activity was part of the Evangelism Pillar that RL, KY and I produced. It’s a simple idea that turned out to be brilliant beyond our imagination; we designed a lesson to help our youths share how God changed their lives and to tag at least five Christians and five non-Christians, then invite them to R-AGE services this weekend. It went better than we had expected and I’d like to believe that it’s an activity worth repeating a few times every year.
I can’t wait for Saturday! The first PLUG & PLAY (!) since PIERCE will take place at 2:50pm – bring your friends this Saturday and be early! With PUSH at 2pm, service at 3pm, Be Our Guest at 4:45pm and cell at 5pm, July looks set to close on a high! RY will also be preaching the third installment of the LIVE LOUD series. We’re doing a verse-by-verse study on the book of James and I had the privilege to open the series with the overview. CX preached last weekend and I’ll be preaching again next weekend. I know this sermon recap is two weeks late but better late than never!
- James is a what-you-see-is-what-you-get and an in-your-face book that teach us not just to live normally, but to live it out loud for everyone to see. The author is straightforward, direct, practical and honest. He was writing to young Christians who were scattered and were facing trials.
- These five chapters are like a synopsis of the issues that the church faced then, and even now; the things that caused disharmony in the fellowship. The one root problem in these issues? Spiritual immaturity. James exhorted his readers to mature spiritually.
- People, unlike the all-knowing God who can see through your heart and know instantly if there is faith in there or not, cannot see the contents of our heart; the world knows the faith in our hearts by examining the works of our hands.
- BH phrased it perfect: “We are not saved by works but we are saved to work… …Faith is the root of salvation but works are the fruits of salvation.” Works are indeed the consequences of salvation. “People will work because of their salvation for work comes forth from faith.” (Woohoo! I can’t wait to meet BH for our mentoring session on Wednesday morning!)
- Maturity is not 1) how old you are, 2) how much you know, or 3) how much you have done, but to be “brought to its end; a finished state; at completion; perfect human integrity and virtue; and a full grown adult of full age”. It is a process that doesn’t stop until we meet Jesus Christ.
- He offers us eight distinguishing marks of maturity. A maturing person:
- Is positive in the midst of problems (James 1:2)
- Keeps his or her desires under control (1:4)
- Is accepting of others (2:8-9)
- Has consistent beliefs and actions (2:17)
- Is careful with his or her words (3:2)
- Strives to be wise (3:17-18)
- Has a humble attitude (4:10)
- Is connected (5:16)
- We have to love God and others actively (NT) and passively (OT). It’s extremely easy to fall short of God’s holy standard so it is only by God’s grace that we can make the cut. I always believe that the way we treat the least and the weakest of us show us how strong we truly are as a ministry.
- The mark of a true Christian isn’t in a perfect lifestyle, but a lifestyle that is being perfected. Your friends will recognise the effort that you make to change. If you keep doing what’s right, no one can tell you that you’re wrong. Consistency is proved and achieved over a long period of time and reputations are built on consistency.
- When there’s a breakthrough with our words, there will be a breakthrough with our lives. I issued the official R-AGE language challenge: to once and for all get rid of crude words on top of all known vulgar words – from real-life conversations, Facebook, Twitter, blogs and MSN. Let people notice the difference by noticing the absence.
- People may admire a person if he or she has a righteous, faultless and sin-free life but people will respect a person who desires to change. Wisdom is necessary for maturity because it will govern the way you speak and behave; so always strive for wisdom.
- I introduced IBM (In-Between-Meetings): I encouraged everyone to have at least one IBM in the week. Initiate and organise meet-ups beyond the weekends – be it to study, pray, eat, or even play together. Don’t give up meeting one another. A united youth group goes beyond meeting once a week!
- I challenged all leaders: Having a mature individual around brings about steadiness to a group. Love it or hate it, leaders are being watched and mimicked. Hence, we should lead by example by setting and being the example for the younger ones who look up to us.
- Everyone grows up at a different rate and time, and the maturation point is what we strive for – being completely mature. God alone will bring us to that point. The key to unlocking maturity has nothing to do with us, but with God, so boldly ask Him for wisdom today.
- Selfishness and self-centredness is the greatest obstacle to maturity for it is instinctive to think about ourselves first. When we can’t look beyond ourselves, we can never look toward the needs of others. It does take effort to consider the needs of others’ better than our own.
- A maturing church is a growing church. Just like physical puberty, when you spiritual puberty you will experience all kinds of spiritual growth – gradual, sudden and new growth. When we emerge out of our comfort zone to mature spiritually, we will grow as a church.
I look forward to preaching again next weekend!
top ten reasons to rejoice for our Dawson flat.
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!



