Home Cleaners and Handyman Services

Clean&Fix.sg was established to provide a hectic home owners in Singapore with convenience and peace of mind when they require help around the house. They specialise in home cleaning and handyman services which range from simple tasks such as fixing toilet chokes and leaking faucets to floor polishing and painting of the interiors of the house.

Apart from home services, the firm has capabilities to support corporations and hotels which requires regular contract cleaning and handyman fixing help.

Our full range of services are in 4 distinct categories.
Cleaning
Professional Cleaning
Home Cleaning
Office Cleaning
Spring Cleaning
Contract Cleaning
Part-time Cleaning

Electrical works
Lighting Fixtures
Ceiling & Bath Fan
Outlets
Electrical Appliances

Plumbing works
Drains
Faucets
Toilet
Other Plumbing
Garbage Disposal

Handyman works
Pictures & Shelves
Knobs and Locks
Curtains & Blinds
TV Mounting
Air Conditioner
Furniture Assembly
House Movers
Interior Painting

Our booking process takes only 60 seconds. To book, input your address, select time, date & duration. After your booking is confirmed, we will follow-up with a call to further understand your needs and concerns.

We believe in payment transparency. No other hidden or sneaky fees or contracts for additional tasks, holidays, weekends or cleaner replacements.


Our Philosophy

At Clean&Fix, we believe in building relationships over the long term. We believe that for our business to prosper, there are no short cuts and the only way is still good old hardwork and reliable service in whatever we do.

We hire only trusted professionals who are experienced, friendly and background checked to ensure every experience with us is a pleasant one and back up our business with a 100% money back guarantee with no questions asked. If at anytime, you are unsatisfied with our work, we will refund your money. It’s a simple as that.

Next-Day Availability. We offer an online platform to schedule for your appointment with ease and efficiency and promise to schedule your home service for as early as tomorrow.

We also pride ourselves in providing fair salaries for our cleaners and handymen, some of whom are single parents or housewives working hard to supplement their family's income, and in turn, make a small impact in our society by providing jobs for those who find it hard to return to the full-time labour force.

Clean&Fix.sg offers Convenient Online Booking, Excellent Customer Service and Insured and Background Checked Cleaners so that you can spend time on the things that matter the most and have peace of mind while we take care of the cleaning and fixing for you. 

The Metropolitan Condominium for Sale/Rent - Best Prices Guaranteed!

The Metropolitan Condominium for Sale/Rent - Best Prices Guaranteed!
Why call me?

The Metropolitan Condominium rent sale

1. I have access to all the inventory in The Metropolitan Condominium so you need only call 1 agent to arrange all your viewings.

2 bedrooms
3 bedrooms
4 bedrooms

2. Guaranteed BEST Prices in the market! My focus on this condo puts me in constant contact with Metropolitan's owners. Thus, rest assure you'll be getting the most updated prices daily.


Call me now at (65) 9228 1688 for a One Stop The Metropolitan specialist. On Site daily.
The Metropolitan Condominium rent sale

Silver Sea condominium details, floorplans and site map

Booking starts now! Last Seafront Plot In East Coast! Call +65 9691 9907

Silver Sea condominium details, floorplans, site map

Silversea, the luxurious development located in the East Coast area, has 383 apartments and the living spaces of most large units are designed with sweeping pool or breathtaking sea views. Penthouses are crafted with different designs, offering exclusive living atop every tower to enjoy the most spectacular views

District: 15
Tenure: 99-year leasehold
Total Units: 383
Building:
Four 21-storey towers

All units come with balconies except for 2-Bedroom units. Seaview units starts from 11th floor upwards

Preview sales for Tower 4 Total 98 units
21 units 2 bedrooms – 947sqft
42 units 3 bedrooms- 1270sqft
16 units 3+1 bedrooms- 1474sqft
16 units 4 bedrooms- 2120sqft
3 units Penthouse- 4090sqft

Sizes of bedroom
2bedroom : 969 – 1152sf
3bedroom : 1485 – 1582sf
3 + study : 1647 – 1701sf
4bedroom : 2497 - 2766
Penthouse : 3552 / 4381 / 4962sf

Facilities
• 2 x 50m lap pool
• Garden Pavilion
• Outdoor Int’l Dining Pavilion
• Tennis Courts
• Day Cabana
• Bubble Pool
• Spa Beds
• Spa Seats
• Sky Promenade on 11th storey
• Infinity pool
• Five Elemental Spas
• Heated Jacuzzi Pool
• Lounge & Bar

****NOTE****
Prices are expected to be increased after this preview as is the norm for all new projects. Grab the 1st few units to gain from this opportunity! Special pricing range for private preview with lowest floor starting from $1250psf only and highest selling floor (13th floor) priced at $1720psf. Includes the sea view units. We will help you negotiate and try all near offers for you.

Exclusive soft launch viewing is strictly by appointment only.
Call Stuart Chng now at +65 9691 9907 for a friendly discussion.
Hurry, promotion for early birds!

East Coast Property Real Estate
Silver Sea condominium details, floorplans, site map
Singapore Property

Vertis condominium for sale and rent

Vertis condominium for sale and rent

Photos on Singapore Property Condominiums

Boutique condo located along Amber Rd. Only minutes drive to the City or Airport. Beautiful enduring sea views and pool views from the high floor apartments.

Prime units. Sea view with large sheltered and very usable balcony.

2100sqft. Asking from 880psf to 920psf only! For rent from $6000/mth.

View anytime.

Other Units available for Sale or Rent

Mid Floor 2Bedrooms 1206sq ft…………….fr $840psf For rent at $3.3k/mth
Mid Floor 3Bedrooms 1658sq ft .....................fr $850psf For rent at $3.7k/mth
Mid Floor 3Bedrooms 1206sq ft.....................fr $820psf For rent at $3.5k/mth

Please contact Stuart at 9691 9907 for viewings/enquiries.

To FIND more East Coast property, real estate and condo in Singapore, please visit Singapore Property Condominiums.

Condo specific data:

1. One Amber Condominium
   
2. Casa Merah Condominium
   
3. The Esta Condominium
4. One Amber Singapore
   
   

The East Coast Specialists

Selling/Renting out your place?

We have a pool of buyers and tenants waiting for a home in the East! Call us!

East Coast Condominiums Specialist Websites (Singapore)

East Coast, Singapore is a popular location for expatriates and locals to settle in. Condominiums and apartments make up the bulk of housing options here.

The Esta Condominium

One Amber Condominium

Casa Merah Condominium

One Amber Condominium

Singapore Condominiums Property

Casa Merah Condominium for Sale. 68+ genuine units avail. www.Casa-Merah.com

GUARANTEED BEST PRICES! Casa Merah Condominium for Sale. 68+ genuine units avail. Singapore. Casa Merah Condominium

Why call us?

1. We have access to the entire inventory in Casa Merah Condominium.

2 bedrooms
3 bedrooms / 3+ study
4 bedrooms

2. Guaranteed BEST Prices in the market! We are in constant contact with Casa Merah owners. Thus, rest assure you'll be getting the BEST prices updated daily. Casa Merah Condominium


Condo details:
- 99 years lease hold
- 556 units
- Address: 1, 3, 7, 9 Amber Gardens
- Estimated TOP 3rd Quarter 2009

Call Stuart Chng at (65) 9691 9907 for a One Stop Casa Merah specialist. We have access to all units for sale.

Visit the Casa Merah Singapore website at Casa Merah Condominium for more details on this condominium.

GUARANTEED BEST PRICES! One Amber Condominium for Sale. 30+ genuine units avail. www.OneAmber.com | www.One-Amber.com

GUARANTEED BEST PRICES! One Amber Condominium for Sale. 30+ genuine units avail. Singapore. www.OneAmber.com | www.One-Amber.com

Why call us?

1. We have access to all the inventory in One Amber Condominium.

Studio
2 bedrooms
3 bedrooms
4 bedrooms
Penthouses

2. Guaranteed BEST Prices in the market! We are in constant contact with One Amber's owners. Thus, rest assure you'll be getting the Best prices updated daily.


Condo details:
- Freehold
- 562 units
- Address: 1, 3, 7, 9 Amber Gardens
- Estimated TOP 4th Quarter 2009

Call Stuart Chng at (65) 9691 9907 for a One Stop One Amber specialist. We have access to all units for sale.

Visit the One Amber Singapore website at www.OneAmber.com | www.One-Amber.com for more details on this condominium.

The Esta Condominium Specialist

The Esta Condominium Specialist

2, 3, 4 rooms apartments and penthouses available.
- Freehold
- Asking from $840psf
- TOP date: End 2008.
- Address: 31, 33, 35, 37, 39 Amber Gardens

Call us at (65) 9691 9907 for a One stop Esta specialist. We have access to all units for sale in the market.

Visit the official The Esta website at www.TheEstaSingapore.com for information on market prices, transaction volumes and units on sale now!

We have moved to our new website! WWW.EASTLIVING.COM.SG

From September 2008, we have moved our property blog and property listings to our new website, www.EastLiving.com.sg.

Visit us now for MORE property listings, MORE Singapore property news updates and a MORE user friendly interface.

Borrow big to pay for your home? It may not be foolhardy

Aug 3, 2008
small change
Borrow big to pay for your home? It may not be foolhardy
Taking out a huge real estate loan seems risky, but it may sometimes
be a better option
By Dennis Chan, Deputy Money Editor

After my last Small Change column was published, a colleague came up
to me and said: 'Property isn't a high-risk investment.

'In fact, it appeals to a low-risk investor like me who doesn't know
enough to invest in stocks and shares. What- ever spare cash I have,
I use it to pay off my housing loan.'

I had argued in my column that property investment is a high-risk,
high-reward game, using the example of a $1 million home bought with
$100,000 cash and $900,000 borrowed.

If the price of the home rises by 10 per cent, it will be worth $1.1
million and the investor would have doubled his initial capital. But
if it were to fall by an equal amount, his capital would have been
wiped out.

So who's right?

Both of us are.

Residential property is a familiar investment to many Singaporeans
since home ownership became the cornerstone of government policy in
the mid-1960s.

Indeed, whether you are a sophisticated investor or one wet behind
the ears, you can't go wrong buying a home as a long-term investment
in land-scarce Singapore. Seen in this light, it is a safe
investment.

It becomes highly risky only when one buys a second, third or fourth
property leveraging on borrowings and relying substantially on rental
incomes to service the loans.

On reflection, I realise there are many people like my colleague who
pay down their housing loans very early, and take pride in doing so.

This sentiment is entirely understandable. Many of us take home
ownership for granted, thanks to the Government's hugely successful
public housing programme.

But for the older generation and the one before that, the fear of not
having a roof over one's head was very real.

To them, it's an achievement to own a fully paid-up home as quickly
as possible.

To these people, I say: 'Go ahead, if you can afford it.'

'What do you mean?' you may retort. 'If I take my spare cash to repay
my home loan, surely I can afford it.'

Not necessarily.

There is a cost in putting too much equity into a home purchase.

To illustrate, let's take the example of two young couples - X and Y -
who buy a Housing Board resale flat at the market valuation price of
$500,000.

Let's assume each couple have savings totalling $150,000 in their
Central Provident Fund Ordinary Accounts (OA) and a combined monthly
income of $6,000. Both are are entitled to an HDB concessionary loan -
currently at 2.6 per cent a year.

Under the rules, buyers are allowed to pay 10 per cent as down
payment and borrow the remaining 90 per cent to finance their
purchase.

Couple X, being very prudent, choose to use up all their OA balances
to pay for their home. They take out a 30-year, $350,000 loan to
finance the rest. For simplicity's sake, let's assume the entire
$150,000 goes towards paying the down payment. In reality, the actual
amount will be less, minus the money to pay stamp duty, home
protection scheme insurance and legal fees.

Couple Y, being more gung-ho, decide to pay the minimum down payment
of 10 per cent, which works out to $50,000. They, too, take a 30-year
loan but for a higher amount of $450,000.

Using a financial calculator, Couple X and Couple Y's monthly loan
instalments work out to about $1,400 and $1,800 respectively.

Couple X's monthly CPF OA contribution totalling $1,380 is almost
just about able to cover fully their monthly instalment whereas
Couple Y would have to top up an additional $420 in cash.

At the end of 30 years, Couple X will have paid a total of $504,000
to repay their $350,000 loan whereas Couple Y will have coughed out
$648,000 on their $450,000 loan.

Interest charges by Couple X and Couple Y over this period work out
to $154,000 and $198,000 respectively.

On the face of it, Couple X seem far better off. Their monthly
repayment is lower and they incur $44,000 less in interest charges.

On closer inspection, the benefits of borrowing less are not that
clear cut.

Firstly, one needs to take into account that Couple Y kept $100,000
of their OAs from the start. This means they get to earn annual
interest income, which Couple X will forgo until their CPF
contributions from income accumulate again.

Interest payment for OA balances is 2.5 per cent a year. For the
first $20,000, a higher interest of 3.5 per cent applies.

Insofar as the first $20,000 is concerned, it is better to leave the
money untouched and earning 3.5 per cent a year than to use it to pay
off an HDB loan that charges 2.6 per cent per annum.

As for amounts greater than $20,000, one doesn't lose much either
since the difference between interest payable on an HDB loan and
earned for money kept in the OA is a mere 0.1 percentage point (2.6
per cent - 2.5 per cent).

Secondly, keeping substantial savings in the OA can be an important
buffer to cope with a temporary loss of income.

The sum of $100,000 is equivalent to five years' worth of monthly
repayments. So even if one or both persons who make up Couple Y were
to stop working for some reason or quit to start a family or take a
sabbatical, they can continue to service their loan entirely from
their OAs for about five years while looking for their next job.

Couple X, on the other hand, will have no such luxury. They will be
forced to tap their cash savings immediately in similar
circumstances.

Thirdly, having some spare savings in the OA opens up investment
opportunities and flexibility.

Bear in mind that the HDB loan at 2.6 per cent is really cheap money.

Last year, insurer Aviva offered an endowment plan called Big e that
paid up to 3.5 per cent in interest a year. The plan, which
guaranteed a return higher than 2.5 per cent, has since been
discontinued.

However, such opportunities that offer low-risk returns based on
positive interest differential (3.5 per cent - 2.6 per cent) can be
expected to surface from time to time.

For those with a higher risk appetite, there are also numerous CPF-
approved investments that have a track record of generating annual
returns in excess of 5 per cent over the mid to long term.

Although I used the HDB flat purchase as an example, the argument is
also valid for private property purchases, given the current low
interest rate environment.

Fourthly, if your flat is rented out, you can apply to the taxman to
offset your rental income with the interest paid on the loan. So the
bigger the loan amount, the higher will be the interest offset.

Finally, if all else fails and there is no reasonable opportunity to
earn a better return, there is always the option of using your OA
balance to pay down your housing debt at any time.

Bear in mind this option is irreversible. You can pay down a housing
loan but you cannot top it up.

Do note that if you take an HDB loan, you must 'invest' your excess
OA balance before your first appointment with the board.

That is because HDB will exhaust your OA for down payment - minus the
amount for stamp duty, legal fees and home protection insurance -
before granting you a loan.

In the earlier example, Couple Y would have to withdraw from their
OAs the sum of $100,000 - or an appropriate amount after taking into
account the 10 per cent down payment and ancillary charges - and put
it into a CPF-approved investment.

If the investment is meant to be a temporary one, choosing a low-
risk, low-return fund like DBS Enhanced Income Fund would be
appropriate.

After the first appointment, you may liquidate the investment and
return the proceeds to your OA.

Be aware that this 'round tripping' is not cost free as agent bank
fees and sales charges apply. These charges are nominal though.

To sum up, taking on a big housing debt is not necessarily a bad
thing. In certain circumstances, it may even be the prudent thing to
do.

Whether you choose to be Couple X or Couple Y, you must do your sums
and feel comfortable with the plan.