Tuesday, 11 March 2014

the new HDB scam

HDB has recently announced a new transaction system where buyers will have to obtain a buying option first before getting any official valuation. The immediate impact we could see is that sellers are going to be in for a rude shock on transaction day that their houses are not worth as much as their property salesman projected out for them. It works vice versa for the sellers who might end up forgoing their option if the valuation turns out too much (unlikely of course). This new ruling, according to Minister Khaw Boon Wan, will "rationalize" the process of negotiations and restore the "original" intention of valuation, which is to help buyers secure a loan.

How does a move that discourage the volume of sales transactions helps buyers to secure a loan? Sellers is now in a precarious position and especially for those who have not paid off their housing loan, they are very likely required to pay back accrued interests owed to their CPF in cash (it sounds stupid owing your own CPF account money but this is true). In the immediate period, we will see the following:

1) Nose-diving of sales volume of HDB resale flat as sellers will wait for the HDB to backtrack on its new ruling given how rubbery housing policies in the recent years have been under Minister Khaw
2) Housing supply goes down, housing prices of the other 2 categories(Private and BTO) goes up
3) More property agents will belly up
4) Rental market is going to become very strong because PRs will be forced into private properties or rental 

The real impact of the new regulation is to prop up property prices by cutting supply. We all know the HDB profits when BTO prices goes up. We also know the condominium developers are also in for a haul when private property prices goes up. We also know property transactions contributes a large component to the GDP. But unlike everyone, Singaporeans can no longer profit from the property pie because it is the HDB who is going to determine your housing price at a loss.

Securing a housing loan depends on three factors: income, size of loan, period of loan and deposit of loan. The new ruling has nothing to do with any of these. It does not help buyers secure a housing loan just simply because the Minister who enjoyed flashing his nipples said so.

Singaporeans who have recently bought their flats and expected to sell their flat for a tidy profit after the 5 years Min Occupancy Period have been cheated. Asset appreciation approach has turned out to be a Pyramid Scheme where new buyers will be hung out to dry. Welcome to Singapore Inc. You can kpkb but you will still be cheated.

73 comments:

  1. This COV fiasco is a problem created by HDB. By requiring valuation before sale, it was trying to control the prices of HDB flats. In a free market, the very idea of Cash Over Valuation is a farce. When there is a willing buyer and a willing seller, the transacted price is the market price. What premium? What discount? Why COV? They have never envisaged a situation when there is cash under valuation?

    ReplyDelete
    Replies
    1. Hi The

      As you pointed out, it is evident that housing prices have all along being within the PAP's direct manipulation. The past few years of speculated runaway prices happened not because of market forces, but because the PAP allowed it to happen. The recent ruling just confirmed that the PAP can force anyone to sell their flat at any price, and it turns out that the problem is actually political in nature and that Singaporeans will require a political solution to bring common sense to the housing prices.

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    ReplyDelete
    Replies
    1. Hi Nick

      I do not think the seller will lower the price unless they are desperate to sell. Either way, it is always a win-lose situation. The government should be designing the system to make it a win-win for the two parties, and not profit from the number of valuations and taxes in the transactions.

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  3. Like i mention is a 2 sided coin.
    Just imagine if the seller is a upgrade and their house is due for collection and only if they have the money to hold their existing unit otherwise they have no choice but sell the unit if they needed the money.
    Or if they ungraded to another HXX will be even worse because the seller only have 6 month to transact their unit so they are force to seller at a lower cost.
    So is a inequalities sale due to inequalities practice by the HXX, don't you agree with me?

    ReplyDelete
  4. None will allow to hold their unit if they can't sell. Imagine again we got about another 25000 units including HXX will be ready by 2016. What will be the suitation?
    There will either be a lot of low prices resale unit floating in the market. And the true seller who needed the money will ended selling at the loss or will see more bankruptcy around.
    They only implement they will not think how Singaporeans will ended to no where!
    For PR the most they don't make the money but they still take back their CPF money you see. And that money is already enough for them to buy a big big land in their country.
    Who suffer? Singaporean men!

    ReplyDelete
    Replies
    1. Correct, the government did not take into consideration of those who have taken up huge loans and paid sky high COV to own their flat. I am surprised there isn't even a reaction from Singaporean home owners. This should call for an outrage

      Delete
  5. As for buyer if you can't get a unit at the location the most you wait. But if you are desperate because you have already sold your unit than you have no choice but to pay the $ demanded by the seller again.
    And if u have the money And Ignorance you may pay For It. Like those who pay a million for a HXX. So u see the point.
    And also will make lot of Singaporean can't loan because you'll only do you HLE or bank approval after you sercurities a unit.
    So we either side also will be a suckered that have no choice but sallow down the implications by KBY. The Ka Bo yap!

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  33. Do not use all of these Private Money Lender here, there are not legitimate and if they have a free email account tag i.e. yahoo, gmail, hotmail, live etc then they are not legitimate. If they have telephone number with international dialing codes from Nigeria, India, UK, Singapore and France then you have to beware. A legitimate company would have a genuine website, personalized email address/account and based in the country they claim they are. I would recommend anyone looking a a serious/honest loan lender to visit: DAVID HERLEY FINANCE HOME BASED IN THE USA and their reputation speaks louder than others in the industry when it come to obtaining all kinds of loan, mortgage, debt consolidation and Real Estate Loans. Their full website information and contact details are tel no: +1 (321)-323-1809, Website: www.dherleyfinancehome.net or Email: loans@dherleyfinancehome.net located in Orlando, Florida. USA. Skype: dherleyfinance

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  34. Do not use all of these Private Money Lender here, there are not legitimate and if they have a free email account tag i.e. yahoo, gmail, hotmail, live etc then they are not legitimate. If they have telephone number with international dialing codes from Nigeria, India, UK, Singapore and France then you have to beware. A legitimate company would have a genuine website, personalized email address/account and based in the country they claim they are. I would recommend anyone looking a a serious/honest loan lender to visit: DAVID HERLEY FINANCE HOME BASED IN THE USA and their reputation speaks louder than others in the industry when it come to obtaining all kinds of loan, mortgage, debt consolidation and Real Estate Loans. Their full website information and contact details are tel no: +1 (321)-323-1809, Website: www.dherleyfinancehome.net or Email: loans@dherleyfinancehome.net located in Orlando, Florida. USA. Skype: dherleyfinance

    ReplyDelete

  35. Are you seeking for a legitimate lender from the internet? My name is Kathie Smith, From United State.please i want to advice you to beware of loan from the China and any part of Malaysia because they are all scammers. I have been scammed over 6 times until i came across a loan company from United State. They are so wonderful and serious minded company. I would advice you contact them if you are in need of loan of any kind(personal or business) because i got a loan from them without any stress after meeting their requirement. Their contact info is: http://www.dennishopkinsfinancehome.com/ or dennishopkins_financehome@live.com or dennishopkins69@yahoo.com Tel: USA +12404374240

    ReplyDelete

  36. Are you seeking for a legitimate lender from the internet? My name is Kathie Smith, From United State.please i want to advice you to beware of loan from the China and any part of Malaysia because they are all scammers. I have been scammed over 6 times until i came across a loan company from United State. They are so wonderful and serious minded company. I would advice you contact them if you are in need of loan of any kind(personal or business) because i got a loan from them without any stress after meeting their requirement. Their contact info is: http://www.dennishopkinsfinancehome.com/ or dennishopkins_financehome@live.com or dennishopkins69@yahoo.com Tel: USA +12404374240

    ReplyDelete
  37. Hello my dear people , I am Anita Frank, currently living in New jersey city, USA. I am a widow at the moment with three kids and i was stuck in a financial situation in April 2015 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not full prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I met Mr. Wilson Edwards the most interesting part of it is that my loan was transfer to me within 74hours so I will advice you to contact Mr. Edwards if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… (wilsonedwardsloancompany@gmail.com) No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Mr. Wilson Edwards today for your loan
    They offer all kind of categories of loan they
    Short term loan (5_10years)
    Long term loan (20_40)
    Media term loan(10_20)
    They offer loan like
    Home loan............., Business loan........ Debt loan .......
    Student loan..........,Business start up loan
    Business loan....... , Company loan.............. etc
    Email..........(wilsonedwardsloancompany@gmail.com )
    When it comes to financial crisis and loan then Wilson Edwards loan financial is the place to go please just tell him I Mrs. Anita Frank direct you Good Luck.......................

    ReplyDelete
  38. HOW I GOT MY LOAN FROM THIS GREAT COMPANY

    Hello my dear people , I am Anita Frank, currently living in New jersey city, USA. I am a widow at the moment with three kids and i was stuck in a financial situation in April 2015 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not full prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I met Mr. Wilson Edwards the most interesting part of it is that my loan was transfer to me within 74hours so I will advice you to contact Mr. Edwards if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… (wilsonedwardsloancompany@gmail.com) No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Mr. Wilson Edwards today for your loan
    They offer all kind of categories of loan they
    Short term loan (5_10years)
    Long term loan (20_40)
    Media term loan(10_20)
    They offer loan like
    Home loan............., Business loan........ Debt loan .......
    Student loan..........,Business start up loan
    Business loan....... , Company loan.............. etc
    Email..........(wilsonedwardsloancompany@gmail.com )
    When it comes to financial crisis and loan then Wilson Edwards loan financial is the place to go please just tell him I Mrs. Anita Frank direct you Good Luck.......................

    ReplyDelete
  39. $READ MY STORY ON HOW I BECAME DEBT FREE WITH TIPS OF DETECTING A LOAN SCAM ON-LINE !!$$$$$

    Attention To The World,

    If you need a genuine and reliable loan help,and don’t want to be a scam victim,I think this is for you.This is a testimony on how,I was ripped off by some idiot that calls themselves lenders,and how I finally got my financial freedom through a God sent helper that finally gave my life a meaning,with the least cheapest rates as to 2% interest and little TOKEN other requirements and they don’t give a damn to your credit score… For more info on how to reach this great man just email him now and tell him that Mark Shores testify about him on the internet his email address is: slivinumarko@yahoo.com ... CONTACT THIS GREAT LOAN LENDER TODAY VIA THIS EMAIL ADDRESS:slivinumarko@yahoo.com and my everyday prayer to this great man is that GOD WILL NEVER STOP BLESSING AND PROTECTING HIS FAMILY because he put an endless smile on my faces and am 100% DEBT FREE TODAY.......

    ReplyDelete
  40. Goodday To EveryOne,


    I am Luz Williams and am 33years old, You Know there are so many of us that are in dire need of financial help and it just doesn't seem that people understand our lives and financial situations what ever each of ours are! Do they?they dont I guess !! I was in very chronic financial and terminal health situation some few months ago after all my search for assistance from friends and neighbours proved abortive and due to this I had to swallow my pride by asking, searching, and always praying for a kind soul out there to help me and my kids who were droving outta school as a result of my inability to take up with their tuition fees properly since their dad was also late and due to this financial stress and rejection Sometimes I feel there is none who really truly cares. I wish that I could win some money so that I could solve my entire immediate family problems but it was all a mere dream as reality became so real to my face when I was unable to pay my light bills, and my food stuff bills and as a result I had no choice but to search for reputable loan agencies online that lease loans out to the needy but all I got was a bunch of scammers as I believed the very second lender I communicated with due to my desperation to get money ASAP and that made me send to him the only one money I had both on earth and in heaven which is $310 usd and after I sent this , they kept on asking for more and this made me mad that i had to shut down that email because i realized shits and i didn't bother going online to get any help anymore , because I didn't trust it anymore . I became so emaciated due to lack of good food and my 2 kids age 5 and 8 were not also good looking due to lack of proper care as a result of finance and one morning I saw an old time family fiend of my husband and I told him all I have been through and he said the only way he could help was to direct me to a good loan agency that also helped him and he explained too on how he was financially down and how he got boosted by this loan agency CALLED SLIVINUS MARKO LOAN FOUNDATION: slivinumarko@yahoo.com who gave him loan at an affordable rate and he further assured me that they were legit and not scammers and he also told me what was needed to be done { THE COMPANY ADMINISTRATIVE PROCEDURE} and he also gave me the email address of the SLIVINUS MARKO LOAN AGENCY: slivinumarko@yahoo.com and I contacted them as instructed and by the grace of GOD ALMIGHTY I was also granted my loan funds within 2 days without any stress or problems and this is why I have come here to give out my testimony and to let the people know that there are still real and reputable loan agencies online: slivinumarko@yahoo.com .... COntact this great man now using this email address: slivinumarko@yahoo.com and tell him that I Luz Williams gave you his email address to contact as he IS REAL, EFFICIENT, DYNAMIC AND 100% RELIABLE.......

    ReplyDelete
  41. HOW I GOT MY LOAN FROM THIS GREAT COMPANY CALLED SLIVINU MARKO LOAN COMPANY

    Hello to All across the globe, I am Martha Loiussa, currently living in NEW YORK now, USA. I am a widow at the moment with 2 kids and I was stuck in a financial situation in April 2015 and I needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not full prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I meet Mr Slivinu Marko the most interesting part of it is that my loan was transfer to me within 74hours so I will advice you to contact Mr Slivinu Marko if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… ( slivinumarko@yahoo.com ) No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Mr Slivinu Marko today for your loan

    They offer all kind of categories of loan they

    Short term loan (5_10years)
    Long term loan (20_40)
    Media term loan(10_20)
    They offer loan like
    Home loan............., Business loan........ Debt loan .......
    Student loan..........,Business start up loan
    Business loan....... , Company loan.............. etc
    Email..........( slivinumarko@yahoo.com )
    When it comes to financial crisis and loan then Mr Slivinu Marko loan financial is the place to go please just tell him I Martha Loiussa direct you Good Luck.... HS EMAIL IS : slivinumarko@yahoo.com ......................

    ReplyDelete
  42. Good Day,
    Are you in need of financial assistance? Have you thought of obtaining a loan? Probably you have been turned down by your local banks in quest of getting a loan. Search no further, we are currently offering long and short term loans to the public at large. We can help you with a loan at a very low interest rate. Contact us now with the following information's below: collinswhit.financial@gmail.com

    LOAN APPLICATION FORM
    Full Name.............
    Sex.....................
    Age......................
    Phone Number......
    Country..................
    Amount Needed .....
    Loan Duration.........
    Monthly Income........
    Hope to hear from you soon.
    Best Regards.
    collinswhit.financial@gmail.com

    ReplyDelete
  43. Complement of the season!!!

    Are you in need of urgent financial assistance ( Loan ) for a personal purpose or for your business needs? Here is some good news for you. We offer loans to individuals or corporate firms at the lowest annual percentage rate of 4%, our principal service is the provision of international project finance to companies, businesses and organizations for significant land development projects in the leisure, tourism, entertainment and construction industries Kindly contact us via email: parkercredit@yahoo.com for more information on the loan.

    We also offer
    *Hard Money Loans
    *Business Loan
    *Debt Consolidation Loan
    *Personal Loan
    *Business Expansion Loan
    *Student Loan
    *Agricultural Development Loan
    *Personal Loans

    Note: To be eligible to obtain a loan from us applicant must be aged 18 or over and under 85 at the time of application and must be in paid work of at least 16 hours per week or be self employed, retired or disabled applications will be mandated to pay payment protection insurance premium.
    Kindly contact us via email: parkercredit@yahoo.com for more information on the loan processing.

    Anticipate for your interest.

    Sincerely,
    Mr. Rochester
    Publicity Officer

    ReplyDelete
  44. Complement of the season!!!

    Are you in need of urgent financial assistance ( Loan ) for a personal purpose or for your business needs? Here is some good news for you. We offer loans to individuals or corporate firms at the lowest annual percentage rate of 4%, our principal service is the provision of international project finance to companies, businesses and organizations for significant land development projects in the leisure, tourism, entertainment and construction industries Kindly contact us via email: parkercredit@yahoo.com for more information on the loan.

    We also offer
    *Hard Money Loans
    *Business Loan
    *Debt Consolidation Loan
    *Personal Loan
    *Business Expansion Loan
    *Student Loan
    *Agricultural Development Loan
    *Personal Loans

    Note: To be eligible to obtain a loan from us applicant must be aged 18 or over and under 85 at the time of application and must be in paid work of at least 16 hours per week or be self employed, retired or disabled applications will be mandated to pay payment protection insurance premium.
    Kindly contact us via email: parkercredit@yahoo.com for more information on the loan processing.

    Anticipate for your interest.

    Sincerely,
    Mr. Rochester
    Publicity Officer

    ReplyDelete
  45. TESTIMONY ON HOW I GOT MY LOAN FROM THIS GREAT COMPANY AS A SINGLE MUM

    My names is Mrs Yvonne Bills. I live in USA Las Vegas and I am a happy woman today as I speak , I told my self that any loan company or lender that could change my broke life of mine and that of my family , I will refer any person that is looking for loan to Them. They gave me happiness to me and my family, I was in need of a loan of $40,000 USD on september 12 2015 and I got my loan within 72 hours without stress They are indeed God fearing people, working with a reputable loan company. if you are in need of a loan and you are 100% sure to pay back the loan please contact them today and please tell them that Mrs Yvonne Bills referred you to them you can reach them via email;………( slivinumarko@yahoo.com )………………………I wish you good luck thanks and may God almighty bless you ….

    ReplyDelete
    Replies
    1. HOW EDWARD LOAN COMPANY GRANTED ME A BUSINESS LOAN!!!
      Hello everyone, I am Oliver Johnson Moore from Zurich Switzerland and want to use this medium to express gratitude to EDWARD JONES for fulfilling his promise by granting me a loan, i was stuck in a financial situation and needed to refinance and pay my bills as well as start up a Business. I tried seeking for loans from various loan firms both private and corporate organisations but never succeeded and most banks declined my credit request. But as God would have it, i was introduced by a friend named Lisa Rice to EDWARD JONES LOAN COMPANY and undergone the due process of obtaining a loan from the company, to my greatest surprise within 28hrs just like my friend Lisa, i was also granted a loan of $387,000.00; So my advise to everyone who desires a loan, "if you must contact any firm with reference to securing a loan online with low interest rate of 2% and better repayment plans/schedule, please contact EDWARD JONES LOAN COMPANY. Besides, he doesn't know that am doing this but due to the joy in me, i'm so happy and wish to let people know more about this great company whom truly give out loans, it is my prayer that GOD should bless them more as they put smiles on peoples faces. You can contact them via email on {Jonesloanfinance@yahoo.com} or Text +1(307) 241-3712

      Delete
  46. $READ MY STORY ON HOW I BECAME DEBT FREE WITH TIPS OF DETECTING A LOAN SCAM ON-LINE !!$$$$$

    Attention To The World,

    If you need a genuine and reliable loan help,and don’t want to be a scam victim,I think this is for you.This is a testimony on how,I was ripped off by some idiot that calls themselves lenders,and how I finally got my financial freedom through a God sent helper that finally gave my life a meaning,with the least cheapest rates as to 2% interest and little TOKEN other requirements and they don’t give a damn to your credit score… For more info on how to reach this great man just email him now and tell him that Mark Shores testify about him on the internet his email address is: slivinumarko@yahoo.com ... CONTACT THIS GREAT LOAN LENDER TODAY VIA THIS EMAIL ADDRESS:slivinumarko@yahoo.com and my everyday prayer to this great man is that GOD WILL NEVER STOP BLESSING AND PROTECTING HIS FAMILY because he put an endless smile on my faces and am 100% DEBT FREE TODAY.......

    ReplyDelete
  47. Good day.

    I can’t hide this great testimony that took place in my life I will love everyone to know it and be partaker that is why I want to share it to the whole world by placing this advert on classifieds, I am Mrs Luz Morales by name, I live in Chattanooga, Tennessee United State, I want to thank Slivinus Marko for his kindness upon my family life, I never knew that there is still a sincere and trustworthy lender like this on the internet and on earth. Just some days I was in search for a loan of $ 100,000.00 Dollars, As I was running out of money for feeding, School fees, My business was really going out of capital and my rent. I was scammed about $15,000.00 dollars and I decided not to involve my self in such business again. But a Friend of mine introduced me to a loan firm due to my appearance and doings and also my complains to her. And I told her that I am not interested in any loan deal anymore but she told me that there is still a sincere lender who she will recommend me to, And she gave me the details of this man who is called SLIVINUS MARKO. And I really put a trial and I am most greatful and lucky today, I was given a loan amount of $95,000,00 Dollars by this great firm CALLED MR SLIVINUS MARKO FINANCIAL FIRM. If you are in need of a genuine, Sincere, durable and a truth worthy loan lender or financial assistance and also you know you can be reliable and trusted, capable of paying back at the due / duration time of the funds I will advice you to send your contact to them via email on : slivinumarko@yahoo.com . And you will be free from scams on the internet. My lovely wife extend her greetings to you also if not for you I can't imagine the way life should be for my family today. Please I am begging everyone on earth to help me thank Mr SLIVINUS MARKO. And I will always being sharing this great surprise and testimony that happened in my life everyday to all that need loans. Again there contact email is as follows: slivinumarko@yahoo.com .. CONTACT THEM NOW VIA EMAIL FOR LOAN: slivinumarko@yahoo.com AS THEY ARE EFFICIENT,DYNAMIC AND RELAIBLE...

    ReplyDelete
  48. How I Got My Loan From A Genuine And Reliable Loan Company

    Hello Everybody,
    My name is Mrs.Irene Query. I live in Philippines and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $150,000.00 to start my life all over as i am a single mother with 2 kids I met this honest and GOD fearing man loan lender that help me with a loan of$150,000.00 US. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs.Irene Query, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    ReplyDelete
  49. LOAN OFFER

    We are Christian organization founded, people in needs of assistance helps, such as financial help. So, if you go through financial difficulties or you are in any financial mess, and you need funds, to start you need your own business, or you need a loan to pay off your debts or pay your bills, start a nice business, or you will find it difficult, to obtain capital loan from local banks, for the Bible says , "" Anyone who asks, receives Luke 11.10, and who seeks, finds, and who knocks on the door, the door will be opened ", so this not miss not chance, because Jesus is the same yesterday, today, and forever more. Please this is for serious minded and God-fearing people. Contact (alexandergrantloanfirm@hotmail.com ) you are advise to fill in the details below.


    Email of the prospective customers: alexandergrantloanfirm@hotmail.com

    ReplyDelete
  50. LOAN OFFER

    We are Christian organization founded, people in needs of assistance helps, such as financial help. So, if you go through financial difficulties or you are in any financial mess, and you need funds, to start you need your own business, or you need a loan to pay off your debts or pay your bills, start a nice business, or you will find it difficult, to obtain capital loan from local banks, for the Bible says , "" Anyone who asks, receives Luke 11.10, and who seeks, finds, and who knocks on the door, the door will be opened ", so this not miss not chance, because Jesus is the same yesterday, today, and forever more. Please this is for serious minded and God-fearing people. Contact (alexandergrantloanfirm@hotmail.com ) you are advise to fill in the details below.


    Email of the prospective customers: alexandergrantloanfirm@hotmail.com

    ReplyDelete
  51. LOAN OFFER

    We are Christian organization founded, people in needs of assistance helps, such as financial help. So, if you go through financial difficulties or you are in any financial mess, and you need funds, to start you need your own business, or you need a loan to pay off your debts or pay your bills, start a nice business, or you will find it difficult, to obtain capital loan from local banks, for the Bible says , "" Anyone who asks, receives Luke 11.10, and who seeks, finds, and who knocks on the door, the door will be opened ", so this not miss not chance, because Jesus is the same yesterday, today, and forever more. Please this is for serious minded and God-fearing people. Contact (alexandergrantloanfirm@hotmail.com ) you are advise to fill in the details below.


    Email of the prospective customers: alexandergrantloanfirm@hotmail.com

    ReplyDelete
  52. LOAN OFFER

    We are Christian organization founded, people in needs of assistance helps, such as financial help. So, if you go through financial difficulties or you are in any financial mess, and you need funds, to start you need your own business, or you need a loan to pay off your debts or pay your bills, start a nice business, or you will find it difficult, to obtain capital loan from local banks, for the Bible says , "" Anyone who asks, receives Luke 11.10, and who seeks, finds, and who knocks on the door, the door will be opened ", so this not miss not chance, because Jesus is the same yesterday, today, and forever more. Please this is for serious minded and God-fearing people. Contact (alexandergrantloanfirm@hotmail.com ) you are advise to fill in the details below.


    Email of the prospective customers: alexandergrantloanfirm@hotmail.com

    ReplyDelete
  53. To Whom it may concern!!!

    Are you a businessman / woman? Are you in any financial mess or you need
    funds to start your own business? or to pay off your bills or start a good
    business? Contact us on davidmike756@gmail.com. You can also Text or Call
    Our Head Office In United state of america on +19513561932.
    required to fill the info :
    Name—-
    Amunt—-
    Duration—-
    Phone number—
    Country—
    Regards,
    FROM: DAVID MIKE Loan Company
    +19513561932.
    davidmike756@gmail.com

    ReplyDelete
  54. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
    2. Telephone Numbers:……….
    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
    6. Purpose Of Loan………….
    7. country…………………
    8. phone…………………..
    9. occupation………………
    10.age/sex…………………
    11.Monthly Income…………..
    12.Email……………..

    Regards.
    Managements
    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  55. Good Day,
    Are you in need of financial assistance? Have you thought of obtaining a loan? Probably you have been turned down by your local banks in quest of getting a loan. Search no further, we are currently offering long and short term loans to the public at large. We can help you with a loan at a very low interest rate.Email us Now zumaloans@mail.com or zumaloans@gmail.com

    ReplyDelete
  56. My name is Susan Mark, i was able to spy on my cheating ex-Husband phone without him finding out.....it really helped my lawyer during my divorce i have been scammed so many times but cyberhacklove is the best hacker i have met he helped me regain my freedom and lost money by scammers ...you can contact cyberhacklove@gmail.com for spying and hacking phones,computer,email,Facebook and other social networks account,his services are cheap ...cyberhacklove@gmail.com,please tell him Susan referred you

    ReplyDelete
  57. My name is lewis Edward, I live in california U.S.A and i am a happy man today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them. He gave happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as a single parents with 3 kids, I meant this honest and GOD fearing loan lender online Mr DAVID MORRISON that helped me with a loan of $250,000.00 U.S. Dollar, He is indeed GOD fearing man, working with a reputable loan company.

    If you are in need of loan and you are 100% sure to pay back the loan please contact him [morrisonloansplc@yahoo.com].. and inform them MR Lewis Edward directed you....

    contact them with morrisonloansplc@yahoo.com OR contact +1 361-248-6711 for trust and urgent loan.

    ReplyDelete
  58. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
    2. Telephone Numbers:……….
    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
    6. Purpose Of Loan………….
    7. country…………………
    8. phone…………………..
    9. occupation………………
    10.age/sex…………………
    11.Monthly Income…………..
    12.Email……………..

    Regards.
    Managements
    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  59. Do you need hackers for hire? Do you need to keep an eye on your spouse by gaining access to their emails? As a parent do you want to know what your kids do on a daily basis on social networks ( This includes facebook, twitter , instagram, whatsapp, WeChat and others to make sure they're not getting into trouble? Whatever it is, Ranging from Bank Jobs, Flipping cash, Criminal records, DMV, Taxes, Name it they will get the job done.cyberspaceintelligence a professional hacker with 10 Years+ experience.Contact him cyberspaceintelligence@gmail.com

    ReplyDelete
  60. awesome work from cyberappshacker@gmail.com, he helped me spy on my fiancee phone last week, now am sure he is cheating,
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    ReplyDelete
  61. HOW EDWARD LOAN COMPANY GRANTED ME A BUSINESS LOAN!!!
    Hello everyone, I am Oliver Johnson Moore from Zurich Switzerland and want to use this medium to express gratitude to EDWARD JONES for fulfilling his promise by granting me a loan, i was stuck in a financial situation and needed to refinance and pay my bills as well as start up a Business. I tried seeking for loans from various loan firms both private and corporate organisations but never succeeded and most banks declined my credit request. But as God would have it, i was introduced by a friend named Lisa Rice to EDWARD JONES LOAN COMPANY and undergone the due process of obtaining a loan from the company, to my greatest surprise within 28hrs just like my friend Lisa, i was also granted a loan of $387,000.00; So my advise to everyone who desires a loan, "if you must contact any firm with reference to securing a loan online with low interest rate of 2% and better repayment plans/schedule, please contact EDWARD JONES LOAN COMPANY. Besides, he doesn't know that am doing this but due to the joy in me, i'm so happy and wish to let people know more about this great company whom truly give out loans, it is my prayer that GOD should bless them more as they put smiles on peoples faces. You can contact them via email on {Jonesloanfinance@yahoo.com} or Text +1(307) 241-3712

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  62. DO YOU NEED A LOAN TO START A BEFITTING NEW YEAR!!!!!!

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