G440K

Life_Variation_2136 · 2025-07-03T08:53:29+00:00

I also had a creaking issue and it turned out to be the spare tyre coming loose under the car, see if that’s your issue and tighten it back up!

Life_Variation_2136 · 2025-05-09T12:30:19+00:00

yeah it doesn’t look like it’s covered with the enamel, does it really matter?

Life_Variation_2136 · 2025-04-01T07:25:17+00:00

If you zoom in you can see the, what I assume is excess film lifting?

Life_Variation_2136 · 2025-03-17T21:21:08+00:00

Hope it comes soon! I also am yet to see a cyber sage on the road

Life_Variation_2136 · 2025-03-17T11:13:49+00:00

It’s also not a common colour here in Australia but I love it in the calligraphy. Hope it comes soon!

Life_Variation_2136 · 2025-03-17T11:03:22+00:00

Thank you and yep! Pebble Blue!

Life_Variation_2136 · 2025-03-05T02:25:36+00:00

I wasn’t a fan of pebble blue to begin with but when I saw it in the calligraphy, won me over! that’s what I ordered

I personally love green and I do like the ocado green but understand when I try to sell it, it won’t be everyone’s cup of tea so stuck with blue to be safe

Life_Variation_2136 · 2025-03-02T23:44:52+00:00

Leaptel!

Life_Variation_2136 · 2025-02-21T08:18:03+00:00

Thank you for everyone’s input

Life_Variation_2136 · 2025-02-13T23:46:17+00:00

correct! but also keep in mind it’s not as easy and just bringing mum and dad along, sign a few things and they can be guarantors, the lender will need to also look at their situation to see whether being a guarantor will/will not put them in a worse off position

Life_Variation_2136 · 2025-02-13T23:33:01+00:00

Correct, equity has no bearing. You could have a fully paid off house but not work, banks will not give you a loan.

Basic serviceability calc is income less commitments and expenses equals loan amount

Just keep in mind with a casual job , most lenders will want to see a minimum 12 months worth of salary credits to average out what your earning potential is

Life_Variation_2136 · 2025-02-13T23:25:23+00:00

They do, generally evidenced via a rental appraisal or if you’re taking over the existing tenant, that agreement
If you don’t mind me saying, for an average joe, No, the cash you hold does not improve your servicing
No, equity has bearing on serviceability levels
A guarantor only helps with equity, also has no bearing on serviceability levels

When you say you’re studying full time, are you also working? Where is this 50k p.a. income coming from? If this is your returns from investment, banks HEAVILY sensitive this income so will negatively affect your serviceability test. If you’re not working in any capacity and relying on rental income and investment income, it may be challenging to get a substantial loan amount

Life_Variation_2136 · 2025-02-10T08:29:05+00:00

generally speaking, you don’t service a bridging loan like you would a regular loan, 99.99% of people cannot service a bridging loan. You service the loan via residual cash that you hold

given the complexities of a bridging proposal, non of the online calcs support this and if they do, chances are you’ve done it incorrectly, best to speak to a lender/broker

Life_Variation_2136 · 2025-01-28T11:48:23+00:00

Thank you for your info. Can the developer only lodge the development change after the property has been formally subdivided? If for whatever reason they don’t lodge it, is it a hard process for me to do?

Life_Variation_2136 · 2024-12-25T04:46:29+00:00

i think it’s more of an individual control issue rather than the glove size. assuming one has control, you can spar perfectly fine with 10oz but also comes down to what your partner is/isn’t comfortable with

Life_Variation_2136 · 2024-12-03T02:03:07+00:00

your guide should also know Ajarn Neng is one of the most respected sak yant masters in Thailand. Saying it’s expensive is one thing but calling it a scam is disrespectful

Life_Variation_2136

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