THE VENUE RESIDENCES AND SHOPPES ! CALL 98348607 CHRIS CHOW PROPNEX FOR CHRISTMAS STARBUYS PROMOTIONS !

PropNex International Pte Ltd takes due measures to ensure that the all information provided are as reliable as possible but will not be responsible for any wrong or inaccurate information that has been featured herein. PropNex International Pte Ltd does not make any representation, endorsement,warranty or guarantee the completeness or accuracy of the information and materials provided above. PropNex International Pte Ltd, its parent company P&N Holdings, its staff, directors and associates shall be indemnified and will not be held liable for any direct, indirect, special or consequentialloss or damage that may arise out of or in any way connected with any error, omission, the use of or reliance on information or with the inability to use the same, whether resulting in whole or in part, from breach of contract, tortious behaviour, negligence, strict liability or otherwise.

RESORT-STYLE FACILITIESFOR YOUR INDULGENCE

Lounge by the pool at the origami-inspired cabanas or sweat it out at the gymnasium at the club house to get your day started. Exclusively designed for the residents, the facilities make every day a holiday

YOUR GATEWAYTO DISCOVERIES

With Potong Pasir MRT station just 3 minutes’ walk away, commuting by public transport is easy. Shopping malls and scenic parks nearby also add to the exciting discoveries that await you outside your apartment.


A HOME AFTER YOUR OWN HEARTChoose from 266 residential units ranging from different sizes and layouts. Whichever home you choose, well-appointed interiors and quality finishes await.

THE NEW RETAIL AND DINING HUBFeaturing 28 retail units, The Venue Shoppes is bound to draw the crowds

with its exciting mix of boutiques, eateries and restaurants.



A SPLASH OF FUNWith the blue of the pool calling out, you will find it hard to resist a quick splash. Complete the fun with an indulgent soak in the heated spa or let the rain shower wash away the day’s cares.


RESORT-STYLE FACILITIES FOR YOUR INDULGENCELounge by the pool at the origami-inspired cabanas or sweat it out at the gymnasium at the club house to get your day started. Exclusively designed for the residents, the facilities make every day a holiday.


REST AND REJUVENATE ALL AT ONE PLACEOver at the club house, the gymnasium stands ready for your workout while the steam rooms offer a spot of therapy. Within the residential blocks, there are spaces for relaxation, with sky terraces bedecked in green on various levels.


FUN-FILLED ACTIVITIES FOR THE FAMILYThe little ones will have the time of their lives at the children’s pool inset with islands of trees and the playground with its quaint touches. They can also enjoy a game of hopscotch or do jumping jacks on the trampoline.

For the perfect gathering, plan a family dinner at the BBQ alfresco dining area by the pool or the function room at the club house.


Maps powered by Streetdirectory.com

THE NEW RETAIL AND DINING HUBFeaturing 28 retail units, The Venue Shoppes is bound to draw the crowds with its exciting mix of boutiques, eateries and restaurants.


THE PERFECT SHOWCASE FOR YOUR BUSINESSThe Venue Shoppes offers 28 retail units with sizes ranging from 28 to 121 square metres. These units are located on the ground floor with full-height glass windows that let in natural light and add to the attractive street frontage.

The overhang above the walkway also provides shade for the shoppers.


OPEN YOUR DOOR TO NEW OPPORTUNITIESWith the surrounding areas of Potong Pasir, Macpherson, Aljunied, Paya Lebar, Tai Seng, Ubi, Kallang Way and the upcoming 11,000* homes from the Bidadari area next door, earmarked for development into a prime residential estate. There will definitely be no lack of shoppers and diners.*Source: SPH - The Straits Times, 30 August 2013


SHOP AND DINE AMID GREENERYVerdant grounds and green groves create an environment that perfectly complements your retail experience.Two specially conserved Angsana trees more than 30 years old welcome you as you enter the development. The Asoka and Saga trees also form stunning rows of green along the walkway.


SPACE FOR ALLLavish finishes welcome you as you enter your home. The living and dining areas are complete with marble flooring, adding a hint of luxury in every unit.


YOUR HAVEN FOR CITY FRINGE LIVINGBe spoilt for choice with a range of units including intimate one- and two-bedroom suites, family-sized three- and four-bedroom suites, three-bedroom dual key suites, two-bedroom + study duplexes and exquisite penthouse suites.The master bedroom, available in every unit, makes it easy for you to tuck your worries away after a long day at work.


WELL-APPOINTED INTERIORS AND QUALITY FINISHESWhip up a fancy feast effortlessly with the suite of branded kitchen appliances from Fisher & Paykel and Teka. Your bathroom is also a study of modern aesthetics with elegant fittings from Duravit and Hansgrohe.


PANORAMIC VIEW

WHERE GREAT THINGS COME TOGETHER

Enjoy panoramic views of the city and the surrounding landed estate with a modern architecture that features a mix of high-rise towers and a low-rise block.Served by key expressways and major roads, the development is just minutes from sumptuous food, quaint shops and shopping malls. You can also shop and

dine right at your doorstep with 28 units at The Venue Shoppes offering a vibrant mix of shopping and dining choices.


Transport• Central Expressway (CTE)• Kallang-Paya Lebar Expressway (KPE)• Pan Island Expressway (PIE)• Potong Pasir MRT

Schools• Ascension Kindergarten• Bendemeer Primary School• Cedar Primary School• Cedar Girls’ Secondary School• Maris Stella Primary/High School• Stamford American International School• St. Andrew’s Junior School• St. Andrew’s Junior College• St. Andrew’s Secondary School

Amenities• Bendemeer Market & Food Centre• Bidadari Park• City Square Mall• Macpherson Mall (Upcoming)• NEX Shopping Mall• Paya Lebar Square (Upcoming)• St. Wilfred Sports Complex• Toa Payoh Golf Range

LOCATION MAP


Maps powered by StreetDirectory.com

LOCATION MAP


Source: Google Maps

LOCATION MAP

DEVELOPMENT INFORMATIONDevelopers Crescent View Developments Pte Ltd

[JV among Hong Leong Holdings Ltd and CDL]

Location Tai Thong Crescent

Project Description PROPOSED ERECTION OF 4 BLOCKS OF 18-STOREY RESIDENTIAL FLATS (TOTAL 260 UNITS) , 1 BLOCK OF LOWRISE RESIDENTIAL FLAT (TOTAL 6 UNITS) WITH COMMERCIAL AT 1ST STOREY (TOTAL 28 UNITS) AND 3 BASEMENT CARPARK ON LOT 10535L MK 24 AT TAI THONG CRESCENT (TOA PAYOH PLANNING AREA)

Date of Handing Over of Vacant Possession under the S&P

6 September 2017

Legal Completion 6 September 2020

Tenure 99 years leasehold w.e.f 5 Dec 2012

Site Area Approx 8,200.3 sqm/ 88,268 sqft

No. of Units Residential 266 unitsRetail 28 units

No. of Carpark Lots Total number of car park lots: approx. 402- 30 lots for Retail owners (B1) - 80 lots for Visitors and Public (B1,hourly parking)- Approx 292 lots Residential (B1,B2,B3)- 7 Handicap lots



LEGEND

1. Infinity Pool2. Origami Boat Sculpture3. Origami Cabanas4. Champaka Grove5. Daybed Lounge6. Spa7. Heated Spa8. Rain Shower9. Kids' Pool

10. Palm Islands11. Leaf Garden12. Fern Garden13. Vintage Lounge14. Hammock Lounge15. Club House- Function Room- Gymnasium- Changing & Steam Rooms16. BBQ Alfresco Dining17. Kids' Playground- Trampoline- Hopscotch- Play Net18. Meditation Patio19. Yoga Patio20. Reading Patio21. Foot Reflexology Patio22. Rocking Cabanas23. Sky Terraces- Reading Garden (Blk 6, Level 5)- Meditation Garden (Blk 8, Level 12)- Yoga Garden(Blk 12, Level 5)- Relaxation Garden (Blk 14, Level 12)

SITE PLAN - RESIDENTIAL


STOREY KEY PLANS


STOREY KEY PLANS


STOREY KEY PLANS


STOREY KEY PLANS


LEGEND

1. Guard House2. Residences Arrival3. 3. Shoppes Arrival4. Cascading Water Wall5. Landscape Pool6. Forest Walk7. Angsana Plaza8. Garden Cort9. Angsana Alcove10. Saga Grove11. Asoka Grove12. Pedestrian Access

Restaurants / F&BShops

SITE PLAN - COMMERCIAL


DEVELOPER TRACK RECORD


DEVELOPER TRACK RECORD

TRANSPORT


The continued expansion of the MRT network will increase connectivity and cut journey times. The Thomson Line (TSL), which will be opened in phases starting from 2019, will link key areas in the North East such as Lentor and Mayflower with the CBD. The extension of the North East Line to Punggol North will be completed by 2030. Coupled with the addition of more trains, this will improve the accessibility of new growth areas and reduce peak-hour waiting times.

The Cross Island Line (CRL), which will also commence operations around 2030, will connect many areas in the North East, including Ang Mo Kio and Punggol, to the eastern and western parts of Singapore

The Circle Line Stage 6 (CCL6), which will be completed by 2025, will close the Circle Line loop by allowing direct journeys between Harbourfront and Marina Bay stations.

Source: URA Masterplan 2013


Serangoon Sub-Regional CentreNew commercial developments will be added to the Serangoon Sub-Regional Centre, providing businesses with alternative locations for office space outside the city. With this, residents in the North-East can expect better access to employment opportunities and more amenities.

Artist's impression of Serangoon Sub-Regional Centre


TRANSPORT


TRANSPORT

MORE GREENS


New Neighbourhood Parks

To give residents more convenient access to local parks, new neighbourhood parks will be introduced in areas such as Hougang, Sengkang East and Jalan Kayu.The future SerangoonNorth Linear Park will be extended on Ang Mo Kio Avenue 5 and the future Teacher’s Estate Park near Lentor Drive will provide new and interesting green spaces for residents.

New Waterfront Green Spaces

Catering to Singaporeans’ love for waterfront activities, Lorong Halus Park will be planned to capitalise on its location next to Sungei Serangoon. In Hougang, canals and waterways, including Sungei Pinang, will be transformed through PUB’s ABC Waters Programme into attractive new recreation venues that will also provide seamless connections to local parks.


CMA


Sant Ritz Residence Ave $1437psf for last 5transactions

Sennett Residences Ave $1493psf for last 5transactions

8@Woodleigh Ave $1357psf for last 5transactions(TOP2012, at $858psf in 2010)

Kovan Melody Ave $1178psf for last 5transactions(TOP 2006, Dist 19)

The Venue Residences Ave $1477psf for last 5transactions

Source: Streetsine

1-BEDROOM SUITE

7

THE VENUE RESIDENCES

1-BEDROOM SUITE

1-BEDROOM SUITE

9


1-BEDROOM SUITE

2-BEDROOM+STUDY DUPLEX

2-BEDROOM SUITE

11


2-BEDROOM SUITE

2-BEDROOM SUITE

13


2-BEDROOM SUITE

2-BEDROOM SUITE

15


2-BEDROOM SUITE

2-BEDROOM SUITE

17


23


3-BEDROOM DUAL KEY SUITE

19


3-BEDROOM SUITE

3-BEDROOM SUITE

21


3-BEDROOM SUITE

3-BEDROOM SUITE

4-BEDROOM SUITE

25


PENTHOUSE SUITE(3-BEDROOM+FAMILY+STUDY)

PENTHOUSE SUITE(4-BEDROOM+FAMILY)

27


PENTHOUSE SUITE(4-BEDROOM+FAMILY)

PropNex Realty Pte Ltd takes due measures to ensure that the all information provided are as reliable as possible but will not be responsible for any wrong or inaccurate information that has been featured herein. PropNex Realty Pte Ltd does not make any representation, endorsement, warranty or guarantee the completeness or accuracy of the information and materials provided above. PropNex Realty Pte Ltd, its parent company P&N Holdings, its staff, directors and associates shall be indemnified and will not be held liable for any direct, indirect, special or consequential loss or damage that may arise out of or in any way connected with any error, omission, the use of or reliance on information or with the inability to use the same, whether resulting in whole or in part, from breach of contract, tortious behaviour, negligence, strict liability or otherwise.

Fact Sheet

Project Name The Venue Residences and Shoppes

Developer Crescent View Developments Pte Ltd [JV among Hong Leong Holdings Ltd and CDL]

General Description PROPOSED ERECTION OF 4 BLOCKS OF 18-STOREY RESIDENTIAL FLATS (TOTAL 260 UNITS) , 1 BLOCK OF LOWRISE RESIDENTIAL FLAT (TOTAL 6 UNITS) WITH COMMERCIAL AT 1ST STOREY (TOTAL 28 UNITS) AND 3 BASEMENT CARPARK ON LOT 10535L MK 24 AT TAI THONG CRESCENT (TOA PAYOH PLANNING AREA)

Address Commercial Block Blk 2 Tai Thong Crescent, Singapore 347836 Apartment Block Blk 6 Tai Thong Crescent, Singapore 347840 Blk 8 Tai Thong Cresent, Singapore 347842 Blk 10 Tai Thong Crescent, Singapore 347844 Blk 14 Tai Thong Crescent, Singapore 347848

Status Mixed Development

Location Tai Thong Crescent

Total no. of units Residential 266 units Retail 28 units

Land Size Approx 8,200.3 sqm/ 88,268 sqft

Tenure of land 99 years leasehold w.e.f 5 Dec 2012

Lot No.: LOT 10535L MK 24

Date of Legal TOP 6 September 2017

Date of Legal Completion 6 September 2020

Project Account DBS Bank Ltd for Project Account No. 003-700112-0 of Crescent View Developments Pte. Ltd.

Telegraphic Transfer Information

Bank: DBS Bank Ltd, Singapore SWIFT code: DBSSSGSG For account of: Crescent View Developments Pte. Ltd. – Tai Thong Crescent Account No.: 003-700112-0 Message: Block, unit number and name of purchase This account is the same for the sales proceeds for both retail (including GST) and residential component.

No of carpark Total number of car park lots: approx. 402 - 30 lots for Retail owners (B1) - 80 lots for Visitors and Public (B1,hourly parking) - Approx 292 lots Residential (B1,B2,B3) - 7 Handicap lots


Description Approx. Ceiling Height

Entrance Foyer Est. 2.40m

Private Terrace Est 2.85m -2.90m

Living/Dining (Typical & Terrace)

Est 2.85m - 2.925m

Living/Dining (PH) Est. 5.85 - 5.90m

Living/Dining (Type BD) Est 2.90m

Bedrooms Est 2.85m - 2.925m

Bathrooms Est 2.40m

Corridor to Bedrooms Est 2.40m

Dry Kitchen Est 2.85m - 2.90m

Kitchen/Wet Kitchen Est 2.40m

Shops Est 4.0m

Restaurants Est 4.0m

Consultants

Architect Aedas Pte Ltd

Project Interior Design Suying Metropolitan Pte Ltd

Show Suite ID Suying Metropolitan Pte Ltd

Landscape Consultant Salad Dressing Pte Ltd

M&E Engineer UPC Pte Ltd

C&S Engineer Meinhardt Pte Ltd

Solicitor Lee & Lee


Facilities: Level1 - Guard House - Residences Arrival - Shoppes Arrival - Cascading Water Wall - Landscape Pool - Forest Walk - Angsana Plaza - Garden Court - Angsana Alcove - Saga Grove - Asoka Grove

Level 2

- Infinity Pool - Origami Boat Sculpture - Origami Cabanas - Champaka Grove - Daybed Lounge - Spa - Heated Spa - Rain Shower - Kids' Pool - Palm Islands - Leaf Garden - Fern Garden - Vintage Lounge - Hammock Lounge - Club House

• Function Room • Gymnasium • Changing & Steam Rooms

- BBQ Alfresco Dining - Kids' Playground

• Trampoline • Hopscotch • Play Net

- Meditation Patio - Yoga Patio - Reading Patio - Foot Reflexology Patio - Rocking Cabanas - Sky Terraces

• Reading Garden (Blk 6, Level 5) • Meditation Garden (Blk 8, Level 12) • Yoga Garden(Blk 12, Level 5) • Relaxation Garden (Blk 14, Level 12)


Major Unique Selling Points Investment potential

Mixed-use development – Residential and retail units

Excellent connectivity around Singapore

Highly sought after city fringe location

Minutes away from CBD and Orchard Road

Up-coming mall across the road

Proximity to established schools such as St Andrews’s Village, Cedar Pri Sch and Stamford

American International Sch

Expats from international schools

Up-coming town at Biddadari

Redevelopment potential due to the removal of height restriction with the relocation of

Paya Lebar Airbase

Good human traffic for retail owners

The development enjoys good flow of human traffic being near to MRT and surrounded by

large number of offices, residential areas and schools

Residential : Potong Pasir HDB and Private, Landed Estate, Geylang Bahru HDB Estate, St

Michael Private estates and upcoming Biddadari with 11,000 new homes

Offices: Industrial area along Macpherson, Ministry of Manpower Service Center, Simens

Center etc.

Schools: St Andrews village, Cedar Girls Primary and Secondary, Stamford International

School etc.

Architecture Design

The concept of ‘Urban Fun and Retro Chic’, vintage collections of retro furniture or outdoor

elements such as signage gives such nostalgic memory but yet lively and fun with urban activity

merge with plants to generate greenery space in the city area as a ‘green urban oasis’ where is a fun

urban lifestyle fused with nature.

• Universal Design.

• Retro charm in modern material and aesthetic.

• Harness intimate sense of scale and revitalizes village street ambience.

• The layout is planned to maximize the vistas towards city views facing South and low rise

unobstructed views towards North and Northeast.

• Penthouses located at the topmost level to enjoy the views towards city and low rise

residential area.

• Main Residential blocks are located at 2nd level and above


Primary Schools ~DRIVE ~DRIVE ~LINEAR

St Andrew's Junior School ~1.2KM ~3mins ~0.5KM

Bendemeer Primary School ~1.3KM ~3mins ~1.0KM

Cedar Girls Primary School ~1.7KM ~5mins ~1.1KM

Cannosa Convent Primary School ~2.1KM ~4mins ~1.4KM

Macpherson Primary School ~2.2KM ~4mins ~1.5KM

Hong Wen Primary School ~2.5KM ~6mins ~1.6KM

Maris Stella High School ~3.0KM ~7mins ~1.8KM

First Toa Payoh Primary School ~3.9KM ~6mins ~1.9KM

Secondary Schools ~DRIVE ~DRIVE

St Andrew's Secondary School ~1.1KM ~3mins

Cedar Girl's Secondary ~1.4KM ~4mins

Bendemeer Secondary School ~1.8KM ~4mins

First Toa Payoh Secondary School ~2.7KM ~5mins

St Gabriel's Secondary School ~3.2KM ~6mins

Maris Stella High School ~3.0KM ~7mins

Zhonghua Secondary School ~3.5KM ~7mins

Tertiary Schools ~DRIVE ~DRIVE

St Andrew's Junior College ~2.0KM ~5mins

Catholic Junior College ~4.4KM ~6mins

Nanyang Junior College ~3.9KM ~7mins

Raffles Institution ~4.4KM ~7mins

Raffles Junior College ~4.4KM ~7mins

Serangoon Junior College ~5.6KM ~9mins

Nanyang Polytechnic ~8.6KM ~11mins

International Schools ~DRIVE ~DRIVE

Stamford American International School

~1.6KM ~4mins

Australian International School ~4.0KM ~7mins


Supermarket ~DRIVE ~DRIVE

Shop N Save (Kim Keat Avenue) ~2.6KM ~5mins

24 Hour NTUC Xtra (NEX) ~3.5KM ~6mins

Sheng Siong Supermarket (McNair Rd)

~2.5KM ~6mins

NTUC Fairprice (Toa Payoh Lor 4) ~3.1KM ~6mins

NTUC Fairprice (Kallang Bahru) ~4.3KM ~9mins

Shopping Centre ~DRIVE ~DRIVE

NEX Shopping Mall ~3.5KM ~6mins

City Square Mall 2.8KM ~6mins

Recreation ~DRIVE ~DRIVE

SAFRA Toa Payoh ~1.9KM ~3mins

St Wilfred Sports Complex ~1.9KM ~4mins

Toa Payoh Golf Range ~2.9KM ~6mins

Source: Google Map

Measurements taken from: The Venue Residences & Shoppes, 6 Tai Thong Crescent

Person-in-charge Contact No.:

Jason Koh (Team Leader) 81000888

Peter Lim (2ND IC) 90625826

Emmeline Chi 98804784

Lau Bee Yue (Wendy) 83992647

Rachel Chew 94565107

Cheong Loo Lim 98321686

Kelly Ho 90082666

Macpherson Mall will have 80-plus retail units, 34 per cent of which will be for F&B outlets and the rest for shops. The hotel on levels 4-9 will also be revamped.

Kalpana RashiwalaThe Business TimesSunday, Sep 08, 2013

SINGAPORE - The consortium comprising Nobel Design, Lian Huat Group and 2E Capital, which bought the freehold Hotel Windsor in the MacPherson area last year, is converting the hotel's office-retail podium into a strata retail development for sale.

There will be 80-plus retail units at the new Macpherson Mall, 34 per cent of which will be for use as food and beverage (F&B) outlets and the rest for use as shops. Indicative prices will range from $3,500 to $6,000 per square foot for the retail units, which will have sizes of between 260 sq ft and 3,000 sq ft.

Absolute prices are expected to start from $1.4 million for a 355-sq-ft shop. The majority of units will be between 550 sq ft and 800 sq ft. There will be six "loft-in-shop" units at the ground level.

The sales gallery will open this weekend with sales expected to begin towards the end of this month.

The retail units will be located from Basement 1 to Level 3 of the property.

The existing hotel, on levels 4-9, will also undergo a revamp. Its room count will rise from 225 to 300, with some rooms to be subdivided.

A swimming pool will be added to the hotel. Its facade will undergo a full makeover, the entrance revamped and all mechanical and engineering equipment replaced.

A major retrofitting of the existing hotel and commercial podium is slated to begin in the first quarter of next year, after the last lease in the commercial podium expires in January.

The hotel and podium will be shut for the revamp, which is expected to last 15 months. Talks are underway to appoint an international chain to manage the hotel, which is located at the corner of Aljunied and MacPherson roads.

As the only one in the MacPherson vicinity, Macpherson Mall will enhance the area's appeal in addition to providing the hotel's guests as well as nearby residents a selection of retail attractions, according to a statement from LVND Investments, the joint-venture company that owns the development.

LVND said the property is about 2.3km from Paya Lebar Airbase, which will be relocated to Changi after 2030; this will result in the removal of height restrictions and pave the way for new developments in the area.

It is also a short distance from Bidadari New Town. The future Mattar MRT Station on the Downtown Line is about 600 metres away.

Jeremy Lake, executive director of CBRE, said Macpherson Mall's proximity to Paya Lebar Airbase and Bidadari New Town will be a game-changer for the location and certainly improve the popularity of the area.

"Also, one should not underestimate the attraction of the freehold tenure. Whereas some strata commercial projects tend to draw a high percentage of buyers with a short-term outlook, this project should be appealing to both long and short-term investors in addition to some endusers," he said.The mall and hotel project has been designed by AD Lab Pte Ltd.

Source: http://news.asiaone.com/news/singapore/new-macpherson-mall-coming-hotel-windsor?page=0%2C0

New Macpherson Mall coming up at Windsor

http://news.asiaone.com/source/business-times

http://news.asiaone.com/news/singapore/new-macpherson-mall-coming-hotel-windsor?page=0,0

MAS Notice 645 Total Debt Servicing Ratio & MAS Notice 632 Residential Property Loan With effect from 29 June 2013, Saturday (Condensed presentation deck for external parties)

1

Highlights of new measures effective 29 June 2013

2

1. Consider monthly repayments of new loan and all other debts. 2. Applies to property loans for Singapore & overseas residential/non-

residential properties, to individuals or entities set up solely to purchase property;

3. Total debt servicing ratio (TDSR) is capped at 60%. 4. Calculate new loan repayments using min 3.5% for residential property

loans; 5. All borrowers to be mortgagors (OTP on or after 29 Jun 13); 6. Guarantors to be co-borrowers; 7. For joint borrowings, the income-weighted average age of borrowers to

be used; 8. Haircut of at least 30% on variable income & rental; and 9. Haircut on the value of financial assets if used in calculating income.

Applications of MAS Notice 645 & MAS Notice 632

3

Notice 632 Residential Property Loan

Notice 645 Total Debt Servicing Ratio

• Properties in Singapore & overseas • Residential, commercial, industrial

(including land, construction loan) • Individuals & entities set up specifically

to purchase properties

• Singapore residential properties • Individuals and entities purchasing

properties.

TDSR for loan eligibility LTV, tenor, income-weighted average age, borrower to be mortgagor

Appl

icat

ion

Excl

usio

n • Bridging Loan up to 6 months • Credit facility secured by pool of

collateral including property where the market value of the subject property is < 50% of the pool of collateral

• Credit facility granted by a bank to a Property Developer to purchase residential property for development.

60% Instalment

(Single)

Existing Instalment

(Joint)

Credit Card (unsecured revolving)

Secured Revolving

Guarantor HDB or EC fr Dev

Instalment on subject loan 3.5% for HL Existing: Statement

Apportion to income contribution for existing joint debts (evidence of joint’s income)

Min Payment in latest stmt or interest on full limit

Outstanding in latest stmt or interest on full credit limit

20% of credit facilities (including corporate)

Excluded MI of existing property if buying HDB/EC from developer • 1st resi pty to be sold • No o/s facility on any pty except HL on 1st pty to be sold

• No other pty singly or jointly

Total Debt Servicing Ratio for PHL & HDB

70% average last 12 months exc. employer CPF; OR 70% NOA divided by 12

100% Fixed + 70% Variable OR 100% NOA divided by 12

70% if borrower is the landlord. Submit stamped tenancy agreement with min 6 months

% deduction on value divide 48

% Deduction Pledge ≥ 4yr for subject loan

Unpledged / Pledge < 4 yr

SGD Deposit 0% 70%

Non Pty Asset 30% 70%

Fixed Variable Fixed + Variable Rental Assets

(unpledged)

100% monthly income exclude employer CPF

60%EC fr Dev

≤

HDB Refinancing exc from MSR 30% cap • OTP prior 12 Jan 13 • Only property • Occupied by borrower • No facility on other pty

30% HDB

Purchase

Exclude instalment on existing HDB if • 1 residential pty to be sold • No o/s facility on any pty except HL on pty to be sold

• No other pty singly or jointly

Mortgage Servicing Ratio for HDB

Instalment (Single)

Existing Instalment

(Joint)

≤

Apportion to income contribution of existing Property Loan (evidence of joint borrower’s income)

Subject loan: Interest at 3.5% for residential loan Existing Pty Loans: Instalment in statement

70% average last 12 months exc. employer CPF; OR 70% NOA divided by 12

100% Fixed + 70% Variable OR 100% NOA divided by 12

70% if borrower is the landlord. Submit stamped tenancy agreement with min 6 months

% deduction on value divide 48

% Deduction Pledge ≥ 4yr for subject loan

Unpledged / Pledge < 4 yr

SGD Deposit 0% 70%

Non Pty Asset 30% 70%

Fixed Variable Fixed + Variable Rental Assets

(unpledged)

100% monthly income exclude employer CPF

Applications of MAS Notice 645 & MAS Notice 632

6

Notice 632 Residential Property Loan

Notice 645 Total Debt Servicing Ratio

• Properties in Singapore & overseas • Residential, commercial, industrial

(including land, construction loan) • Individuals & entities set up specifically

to purchase properties

• Singapore residential properties • Individuals and entities purchasing

properties.

TDSR for loan eligibility LTV, tenor, income-weighted average age, borrower to be mortgagor

App

licat

ion

Ex

clus

ion

• Bridging Loan up to 6 months • Credit facility secured by pool of

collateral including property where the market value of the subject property is < 50% of the pool of collateral

• Credit facility granted by a bank to a Property Developer to purchase residential property for development.

Income weighted average age (IWAA) is computed for joint borrowings in order to determine tenure (guided by MAS 632)

7

Income of Younger Borrower > Income of Older Borrower

Income of Younger Borrower < Income of Older Borrower

Outcome IWAA is lower Loan tenure is longer

IWAA is higher Loan tenure is shorter

Income-Weighted Average Age (IWAA)

A age 30 earns $7,000 pm B age 50 earns $3,000 pm IWAA = (30 x $7K) + (50 x $3K) $7K + $3K = 36 years

A age 30 earns $3,000 pm B age 50 earns $7,000 pm IWAA = (30 x $3K) + (50 x $7K) $3K + $7K = 44 years

Loan Tenure Please refer to MAS 632 LTV chart (next slide)

Max Tenure = 35 yrs (60% LTV) Max age of 75 years less IWAA, capped at 35 years. As 75 – 36 = 39 is higher than cap, max is 35 years Tenure for 80% LTV = 29 yrs Tenure ≤ 30 years & < age 65 on maturity, i.e. tenure is 65 - 36 = 29 years

Max Tenure = 31 Years (60% LTV) Max age of 75 years less IWAA, capped at 35 years. As 75 – 44 = 31 is lower than cap, max is 31 years Tenure for 80% LTV = 21 years Tenure ≤ 30 years & < age 65 on maturity, i.e. tenure is 65 - 44 = 21 years

Note: LTV for corporate entities is 20%

Tenure (Years)

Tenure + Age (extend past retirement age 65)

Loan- To-Value

No of Home Loans (including this application)

Cash Down Payment

Loan-To-Value for Bank’s HDB Loan & Private Home Loan

4

5% 10%

80% 60%

≤ 65

≤ 25 > 25 to 30

5% 10%

80% 60%

≤ 65

≤ 30 > 30 to 35

25% 25%

50% 30%

≤ 65

≤ 30 > 30 to 35

25% 25%

40% 20%

≤ 65

≤ 30 > 30 to 35

Only 1 HDB Loan 1st Private HL 2nd Home Loan 3rd Home Loan

> 65 > 65 > 65 > 65

Private Property with effect from 12 Jan 13HDB wef 28 Aug 13 Subject Property

Every $100K loan or $125K house price requires $750 monthly income (max 80% LTV for 30 years tenure)

9

House Price Loan Amount Monthly Income

$ 125,000 $ 100,000 $ 750

$ 750,000 $ 600,000 $ 4,500

$ 1,000,000 $ 800,000 $ 6,000

$ 1,250,000 $ 1,000,000 $ 7,500

$ 1,500,000 $ 1,200,000 $ 9,000

$ 600,000 $ 4,500

$ 800,000 $ 6,000

Every $100K loan

+$750 income

10

$1000 debt requires additional $1,670 monthly income to support the commitment. Every $100K deposits will reduce monthly income required by $625. House Price Loan Amount

Monthly Income (30 Yrs)

Monthly Income with $1000 Debt

Monthly Income with $1K Debt + $100K Deposits*

$125,000 $100,000 $750 $2,420 $1,795

$750,000 $600,000 $4,500 $6,160 $5,535

$1,000,000 $800,000 $6,000 $7,660 $7,035

$1,250,000 $1,000,000 $7,500 $9,160 $8,535

$1,500,000 $1,200,000 $9,000 $10,650 $10,025

* Deposits placed with a Singapore Bank and must show evidence of funds prior to the first loan drawdown (latest bank statement prior to solicitor’s advice to drawdown)

11

Before After Household Income (S$) 10,000 10,000 Max monthly repayment with 60% TDSR 6,000 6,000 1st Property Buyer, Max LTV 80% Interest rate 2.80% 3.50% Tenure (years) 30 30 Max loan amount on $6K monthly repayment 1,460,225 1,336,165 Max 1st property value 1,825,285 1,670,210 (-8%)

Illustration No 1: For a first time private property buyer with average household income of $10K and no debts, the buyer can afford property priced 8% lower than before the TDSR rules.

Illustration No 2: For a 2nd time property buyer with an existing home loan, the max property price he can afford is 8% less than prior to the new rules

12

Before After Household Income (S$) 10,000 10,000 Max monthly repayment with 60% TDSR 6,000 6,000 Existing Home Loan Loan Amount 800,000 800,000 Interest Rate 1.30% 1.30% Tenure (years) 30 30 Monthly Repayment 2,685 2,685

2nd Property Buyer, Max LTV 50% Interest rate 2.80% 3.50% Tenure (years) 30 30 Max loan amount with existing HL $800K HL 806,816 738,270 Max 2nd property value 1,613,631 1,476,539 (-8%)

13

Disclaimer The information provided herein is intended for general information and discussion purposes only. It does not take into account the specific investment objectives, financial situation or particular needs of any particular person. Without prejudice to the generality of the foregoing, please seek advice from an independent financial and legal adviser regarding the information provided herein taking into account your specific objectives, financial situation or particular needs before you make a commitment to purchase any property and/or borrow from any entity or institution to finance the purchase of the property. This does not constitute an offer or solicitation to provide loan or financing to any particular person or to enter into a transaction. No representation or warranty whatsoever (including without limitation any representation or warranty as to accuracy, usefulness, adequacy, timeliness or completeness) in respect of any information (including without limitation any statement, figures, opinion, view or estimate) provided herein is given by OCBC Bank and it should not be relied upon as such. OCBC Bank does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time. All information presented is subject to change without notice. OCBC Bank shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein. The information provided herein may contain projections or other forward looking statement regarding future events or future performance of countries, assets or markets. Actual events or results may differ materially. Past performance figures are not necessarily indicative of future or likely performance. Any reference to any specific entity, authority, area, figures, property or asset class in whatever way is used for illustrative purposes only and does not constitute a recommendation on the same. This presentation and its contents are considered proprietary information and may not be reproduced or disseminated in whole or in part without OCBC Bank’s written consent.

Tenure

(Years)

(1) Loan Amount

per $1 of Income

(2) Loan Amount per $1

of Fixed Deposit

(unpledged)

(3) Loan Amount per $1

of Monthly Instalment

(4) Income Required

per $1,000 of Loan

Amount

(5) Monthly Instalment

per $1,000 of Loan

Amount

(6) Fixed Deposit

(unpledged) Required

per $1,000 of Loan

Amount Factors

35 145.175 0.905 241.95 6.890 4.135 1102.15 1.

34 143.020 0.890 238.35 6.995 4.200 1118.75

33 140.790 0.875 234.65 7.105 4.265 1136.45

32 138.480 0.865 230.80 7.225 4.335 1155.40 2.

31 136.090 0.850 226.80 7.350 4.410 1175.70

30 133.615 0.835 222.65 7.485 4.495 1197.50

29 131.050 0.815 218.40 7.635 4.580 1220.90 3.

28 128.395 0.800 213.95 7.790 4.675 1246.15

27 125.645 0.785 209.40 7.960 4.780 1273.45

26 122.795 0.765 204.65 8.145 4.890 1302.95 4.

25 119.850 0.745 199.75 8.345 5.010 1335.00

24 116.795 0.725 194.65 8.565 5.140 1369.95

23 113.630 0.710 189.35 8.805 5.285 1408.05 5.

22 110.355 0.685 183.90 9.065 5.440 1449.85

21 106.965 0.665 178.25 9.350 5.610 1495.80

20 103.455 0.645 172.40 9.670 5.800 1546.60 6. Loan -> Fixed Deposit

19 99.815 0.620 166.35 10.020 6.015 1602.95

18 96.050 0.600 160.05 10.415 6.250 1665.80

17 92.150 0.575 153.55 10.855 6.515 1736.30 7.

16 88.110 0.550 146.85 11.350 6.810 1815.90

15 83.925 0.520 139.85 11.915 7.150 1906.40

14 79.595 0.495 132.65 12.565 7.540 2010.10 8.

13 75.110 0.465 125.15 13.315 7.990 2130.15

12 70.465 0.440 117.40 14.195 8.515 2270.55

11 65.655 0.410 109.40 15.235 9.140 2436.90 9.

10 60.675 0.375 101.10 16.485 9.890 2637.00

9 55.515 0.345 92.50 18.015 10.810 2882.00

8 50.175 0.310 83.60 19.935 11.960 3188.85 10.

7 44.640 0.275 74.40 22.400 13.440 3584.00

6 38.910 0.240 64.85 25.700 15.420 4111.60

5 32.980 0.205 54.95 30.320 18.195 4851.15

(7) Income Required

per $1 of Debt

(8) Fixed Deposit

(unpledged) required

per $1 of Debt

(9) Fixed Deposit

equivalent per $1 of

Income

(10) Income per $1 of

Fixed Deposit

1.67 267 160 0.00625

Fixed Deposit -> Loan

e.g. $100,000 FD, 30 Yr Tenure

100000 x 0.835 = $83,500 Loan Amount

Fixed Deposit -> Income

e.g. $1,000 Fixed Deposit

1000 x 0.00625 = $6.25 Monthly Income Req.

Loan -> Instalment

e.g. $1,000,000 loan, 30 Yr Tenure

1000 x 4.495 = $4,495 Monthly Instalment

Loan -> Income

e.g. $1,000,000 Loan, 30 Yr Tenure

1000 x 7.485 = $7,485 Monthly Income required

e.g. $200,000 Loan, 35 Yr Tenure

200 x 1102.15 = $220,430 Fixed Deposit Req.

Conversion Table

Income -> Fixed Deposit

e.g. $1,000 Income

1000 x 160 = $160,000 Fixed Deposit Req.

Debt -> Income

e.g. $1,000 Debt

1000 x 1.67 = $1,670 Monthly Income Req.

Debt -> Fixed Deposit

e.g. $1,000 Debt

1000 x 267 = $267,000 Fixed Deposit Req.

Income -> Loan

e.g. $5,000 Income, 30 Yr Tenure

5000 x 133.60 = $668,000 Loan Amount

Instalment -> Loan

e.g. $4,133 Monthly Instalment, 35 Yr Tenure

4133 x 241.95 = $1,000,000 Loan Amount

Co.Reg.No: 193200032W

Step 1 - Loan Tenure Example

Step 1 - Loan Tenure

Step 2 - How To Service Monthly Debt Mr. A can take 30 years loan tenure.

Step 2 - How To Service Monthly DebtHis monthly debt = $3,000

Table 1 - How much Income/Fixed Deposits to service Debt Using Table 1,

Step 3 - How To Determine Income & Fixed Deposit Income required to service $2,000 debt,

$2,000 x 1.67 = $3,340

Available Income = Total Income - Income to Service Debt Fixed Deposits required to service $1,000 debt,

Available Fixed Deposit = Total Fixed Deposit - Fixed Deposit to Service Debt $1,000 x 267 = $267,000

Step 4 - How To Determine Loan Amount

Step 3 - How To Determine Income & Fixed Deposit

His Income = $5,000

His Fixed Deposits = $350,000

From Table 2, 30 Years Tenure,

Loan Amount per $1 of Income = 133.615

Loan Amount per $1 of Fixed Deposit = 0.835

Loan Amount from Available Income,

$1,660 x 133.615 = $221,800

Loan Amount from Available Fixed Deposits,

Table 2 - How much Loan can be taken per dollar of Income/Fixed Deposits $83,000 x 0.835 = $69,305

Total Loan Amount that can be taken,

$221,800 + $69,305 = $291,105

Tenure (Years)Loan Amount per $1

of Income

Loan Amount per $1

of Fixed Deposit

6 38.910 0.240

5 32.980 0.205

8 50.175 0.310

7 44.640 0.275

65.655 0.410

10 60.675 0.375

9 55.515 0.345

79.595 0.495

13 75.110 0.465

12 70.465 0.440

92.150 0.575

16 88.110 0.550

15 83.925 0.520

99.815 0.620

0.710

22 110.355 0.685

18 96.050 0.600

17

20 103.455 0.645

19

14

11

26 122.795 0.765

21 106.965 0.665

25 119.850 0.745

24 116.795 0.725

28 128.395 0.800

27 125.645 0.785

30 133.615 0.835

29 131.050 0.815

$267,000 (To service Debt) $83,000 (Available)32 138.480 0.865

31 136.090 0.850

145.175 0.905

34 143.020 0.890

33 140.790 0.875

$2,000 (Use Income)$1,000 (Use Fixed

Deposits)

Tenure (Years)Loan Amount per $1

of Income

Loan Amount per $1

of Fixed Deposit

$3,340 (To service Debt) $1,660 (Available)35

23 113.630

Step 4 - How To Determine Loan Amount

Converting Income To Loan Amount

Income Required per

$1 of Debt

Fixed Deposit

Required per $1 of

Debt

1.67 267

Co.Reg.No: 193200032W

Example

Step 1 - Loan Tenure Step 1 - Loan TenureMr. B can take 35 years loan tenure.

Step 2 - How To Service Loan Amount

Step 3 - How To Service Monthly DebtHe wants to take $1,000,000 Loan.

From Table 1, 35 Years Tenure

Income Required per $1,000 of Loan = 6.890

Fixed Deposit Required per $1,000 of Loan = 1102.15

Table 2 - Converting Income to Fixed Deposits

& Vice Versa. He wants to service $800,000 Loan using Monthly Income.

Monthly Income Required,

800 x 6.890 = $5,512

He wants to service remaining $200,000 using Fixed Deposits

Fixed Deposits Required,

200 x 1102.15 = $220,430

Table 3 - Converting Income to Fixed Deposits

& Vice Versa.

His monthly debt = $3,000

Using Table 2,

Income required to service $2,000 debt,

$2,000 x 1.67 = $3,340

Fixed Deposits required to service $1,000 debt,

$1,000 x 267 = $267,000

Total Income Required = $5,512 + $3,340 = $8,852

Total Fixed Deposits Required = $220,430 + $267,000 = $487,430

He only has $400,000 worth of Fixed Deposits.

$487,430 - $400,000 = $87,430

Short of $87,430 of Fixed Deposits

Use Table 3,

Additional Income Required,

Table 1 - Converting Income/Fixed Deposits to Loan Amount $87,430 x 0.00625 = $547

Final Income Required = $8,852 + $547 = $9,399

Fixed Deposits = $400,000

Step 3 - How To Service Monthly Debt

Step 2 - How To Service Loan Amount

Converting Loan To Income

25.700 4111.60

16.485 2637.00

18.015 2882.00

30.320 4851.15

19.935 3188.85

22.400 3584.00

13.315 2130.15

14.195 2270.55

15.235 2436.90

11.350 1815.90

11.915 1906.40

12.565 2010.10

1408.05

9.065 1449.85

9.350 1495.80

10.855 1736.30

$2,000 (Use Income)$1,000 (Use Fixed

Deposits)9.670

7.960 1273.45 160 0.00625

8.145 1302.95

1335.00

7.635 1220.90 Fixed Deposit per $1

of Income

Income per $1 of

Fixed Deposit7.790 1246.15

1.67 267

7.105 1136.45

7.225 1155.40

5

Income Required per

$1,000 of Loan

Fixed Deposit Req.

per $1,000 of LoanIncome Required per

$1 of Debt

Fixed Deposit

Required per $1 of

Debt6.890 1102.15

6.995

11

10

9

8

7

6

17

16

15

14

13

12

19

18

1546.60

10.020 1602.95

10.415 1665.80

23

22

8.345

21

8.565

20

8.805

1369.95

30

29

28

27

7.485 1197.50

26

25

24

34

33

32

31

1118.75

7.350 1175.70

Tenure

(Years)

35

Co.Reg.No: 193200032W

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 35

1.00% 838 421 282 213 171 143 123 108 97 88 80 74 68 64 60 56 53 51 48 46 44 42 41 39 38 36 35 34 33 32 28

1.25% 839 422 283 214 172 144 124 110 98 89 81 75 69 65 61 57 54 52 49 47 45 43 42 40 39 38 36 35 34 33 29

1.50% 840 423 284 215 173 145 125 111 99 90 82 76 71 66 62 59 56 53 50 48 46 44 43 41 40 39 38 36 35 35 31

1.75% 841 424 285 216 174 146 127 112 100 91 83 77 72 67 63 60 57 54 52 49 47 46 44 43 41 40 39 38 37 36 32

2.00% 842 425 286 217 175 148 128 113 101 92 84 78 73 68 64 61 58 55 53 51 49 47 45 44 42 41 40 39 38 37 33

2.25% 844 427 288 218 176 149 129 114 102 93 86 79 74 69 66 62 59 56 54 52 50 48 46 45 44 42 41 40 39 38 34

2.50% 845 428 289 219 177 150 130 115 103 94 87 80 75 71 67 63 60 58 55 53 51 49 48 46 45 44 42 41 40 40 36

2.75% 846 429 290 220 179 151 131 116 105 95 88 82 76 72 68 64 61 59 56 54 52 51 49 47 46 45 44 43 42 41 37

3.00% 847 430 291 221 180 152 132 117 106 97 89 83 77 73 69 66 63 60 58 55 54 52 50 49 47 46 45 44 43 42 38

3.25% 848 431 292 222 181 153 133 118 107 98 90 84 79 74 70 67 64 61 59 57 55 53 51 50 49 48 46 45 44 44 40

3.50% 849 432 293 224 182 154 134 120 108 99 91 85 80 75 71 68 65 62 60 58 56 54 53 51 50 49 48 47 46 45 41

3.75% 850 433 294 225 183 155 136 121 109 100 93 86 81 77 73 69 66 64 61 59 57 56 54 53 51 50 49 48 47 46 43

4.00% 851 434 295 226 184 156 137 122 110 101 94 88 82 78 74 71 68 65 63 61 59 57 55 54 53 52 51 50 49 48 44

4.25% 853 435 296 227 185 158 138 123 112 102 95 89 84 79 75 72 69 66 64 62 60 58 57 55 54 53 52 51 50 49 46

4.50% 854 436 297 228 186 159 139 124 113 104 96 90 85 80 76 73 70 68 65 63 61 60 58 57 56 54 53 52 51 51 47

4.75% 855 438 299 229 188 160 140 125 114 105 97 91 86 82 78 74 72 69 67 65 63 61 60 58 57 56 55 54 53 52 49

5.00% 856 439 300 230 189 161 141 127 115 106 99 92 87 83 79 76 73 70 68 66 64 63 61 60 58 57 56 55 54 54 50

5.25% 857 440 301 231 190 162 143 128 116 107 100 94 89 84 80 77 74 72 69 67 66 64 62 61 60 59 58 57 56 55 52

5.50% 858 441 302 233 191 163 144 129 118 109 101 95 90 85 82 78 76 73 71 69 67 65 64 63 61 60 59 58 58 57 54

5.75% 860 442 303 234 192 165 145 130 119 110 102 96 91 87 83 80 77 74 72 70 68 67 65 64 63 62 61 60 59 58 55

6.00% 861 443 304 235 193 166 146 131 120 111 104 98 92 88 84 81 78 76 74 72 70 68 67 66 64 63 62 62 61 60 57

RatesLoan Period (year)

Instalment Factor TableMonthly Instalment for every S$10,000 LOAN (Daily Reset)

Figures are estimates and for reference ONLY

Date: __________

CASHFLOW ANALYSISProperty : _______________ Unit No. : _______________

Property Price _______________

Stamp Duty (Purchase Price x 3% -$5,400) (After Exercise S & P) _______________

Legal Fee _______________

ABSD (If Applicable) ______________

5% Booking/Option Fee _______________ (Cash / Cheque)

15% Upon 8 Weeks _______________ (Cash / CPF)

10% Disbursement (Foundation Work) _______________ (Cash / CPF / Loan)

10% Disbursement (Concrete Framework) _______________ (Cash / CPF / Loan)

5% Disbursement (Brick Walls) _______________ (Cash / CPF / Loan)

5% Disbursement (Ceiling) _______________ (Cash / CPF / Loan)

5% Disbursement (Doors & Window Frame) _______________ (Cash / CPF / Loan)

5% Disbursement (Carpark) _______________ (Cash / CPF / Loan)

25% Disbursement (Upon T.O.P) _______________ (Cash / CPF / Loan)

15% Disbursement (Upon C.S.C.) _______________ (Cash / CPF / Loan)

Total Cash _______________

Total CPF _______________

Loan Required _______________ (_______% of Purchase Price)

Agent Name: _______________ HP: _______________

Note: This is an ESTIMATE only.

Date: __________




Legal Fee _______________












Total Cash _______________

Total CPF _______________


Agent Name: _______________ HP: _______________


Date: __________




Legal Fee _______________












Total Cash _______________

Total CPF _______________


Agent Name: _______________ HP: _______________


Date: __________




Legal Fee _______________












Total Cash _______________

Total CPF _______________


Agent Name: _______________ HP: _______________


Page 2 of 2 Pink Form FIN-FM-13.00 11/12/09

BUYER

Name(1): NRIC NO.

Name(2): NRIC NO

Correspondence Address:

Contact Number: (H) (HP) (O)

Solicitor’s Name & Address (if applicable):

Attention to: Contact No.:

Special Instructions: Agent’s Signature & Date:

FOR OFFICE USE

CSO OTP Form Comm Agrmt Co-broke Agrmt Booking Form

Page 2 of 2 Pink Form FIN-FM-13.00 11/12/09

BUYER

Name(1): NRIC NO.

Name(2): NRIC NO

Correspondence Address:

Contact Number: (H) (HP) (O)

Solicitor’s Name & Address (if applicable):

Attention to: Contact No.:

Special Instructions: Agent’s Signature & Date:

FOR OFFICE USE

CSO OTP Form Comm Agrmt Co-broke Agrmt Booking Form

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