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                              Property Investment in Singapore

                              What are Condominium loans in Singapore

                              The mortgage is one of the loan types available for the purchase of condominiums in Singapore. There are many options available for this type of loan like the re-finance, cash out, home improvement, equity loan, purchase loan and others. The first step is to choose the condominium and apply for the mortgage loan. When you contact the seller with the details you can hold the condo reserved in your name for the next 15 days. For this, you need to make an upfront payment to the seller as per standard norms. Then you have 30 days more for making the second payment. Within this time you can apply for the mortgage loan and get it approved.

                              We have talked about an executive condo in the previous post. Take a look at The Tapestry Condo, one of the latest launch in Singapore in 2018. Is definitely one of the dream house that a family would love to own. But to get it, you need to understand the loan. If you?are intending to profit from rental income, then you need to understand the costs associated on in renting a condo on top of the mortgage that we discuss here.

                              Mortgage Regulations

                              According to the regulations governing mortgage in Singapore, you could be eligible for 80% of property value as a loan if your credentials are evaluated and found to be valid. For the second purchase, you can get up to 50% of the property value as loan. The repayment period could extend up to 30 years depending on the terms and conditions of the lending company. The installments will be equally distributed for every month with the calculated interest at the rate as applicable.

                              Fixed Rate Mortgage

                              The fixed rate mortgage stays constant throughout the repayment period. The interest could be bit higher compared to the floating rate in some cases. But you get to plan for the repayment in an organized manner due to the consistency in the net repayable value (principal + interest). The other advantage is protection from fluctuating interest rates which could become unpredictable.

                              Variable Rate Mortgage

                              The interest rate might vary (up or down) depending on the market conditions. The mortgage company depends on the external sources for procuring the money to loan you. When the market rate decreases the benefit is passed on to you. On the other hand when the market rate increases you pay more interest. The choice between the two options will be entirely on you. Hence you can take the help of a mortgage consultant to get the accurate information about the pros and cons of each type before taking a decision.

                              Mortgage Loan Provider

                              Private Banks in Singapore can provide condo mortgage loans at affordable rates for the PR and foreign nationals. Many of the banks allow you the privilege of getting the repayment period up to 35 years. The condition is that the sum of your current age and the loan repayment period should not cross 75 years whichever is lower. Just like the private banks, you can also find many private financial institutions that can provide the mortgage loan. You need to approach the helpdesk to get the accurate and detailed information about the procedures.

                              Check out this video talking about the different mortgage loans available:

                              Initial Loan Documents

                              You need to submit certain important documents along with the completely filled application form. Some of the banks do accept e-formats of applications while the others may insist on officially printed forms to be filled and submitted in person. This could be one way of getting acquainted with you personally before processing your application.

                              • Passport: – You need to submit copies of your passport (all the pages) and the original at the time of verification. You can get to know about the validity period as expected by the bank authorities. This is one of the most critical criteria to determine the loan repayment period which can be allocated to you. In some cases, you might have the option of renewing your passport just before its expiry and still continue to get the loan privilege.
                              • Income: – You need to submit all your documents related to the sources of income. They could be your salary credits, employment document and the statements from your bank. Some of the lenders may ask for three previous months while the others may insist on six months or more. Your salary credit could also be in the form of pay slip you get from your employer/ company. If you are the freelance or self-employed person you need to submit the bank transactions and the details related to the evaluation of tax payments. This is a form of assessment done by the related tax departments of the Singapore government related to your self-employed job or business. Some of the banks might ask for previous two years of assessment while the others might opt for more or less.
                              • Agreement: – The sale/buying agreement copy between you and the seller has to be submitted to the lending authorities at the time of submitting the mortgage loan application.
                              • Insurance: – The basic insurance you need to provide your condominium is against fire accidents. This is the premium which you need to pay to the bank until the completion of the mortgage loan. Apart from this, you might need to take up insurance against natural calamities and other nature of damages. You can speak with the mortgage insurance specialist to know more details about the other types of mandatory and optional insurance schemes.

                              Interest Rates

                              The interest rates charged by the private banks and financial institutions could be based on parameters under two categories, namely the interbank transactions and the individual bank terms and conditions. The fixed rate and the board rates are based on the individual banks. They might vary between two banks. The other two parameters are the Swap Office Rate and the SIBOR. They may have the direct relation to the loan rate. In some other instances, the impact could be indirect.

                              Lock in Period

                              This is the time during which the loan repayment cannot be completely cleared before the scheduled date. In such cases, the bank can impose a penalty on you. The other clause in this period is the fixed interest rate charged by the bank. They cannot increase the rate within this period in spite of the variations in the market. Hence you have a benefit and a risk associated with the lock-in period. Some of the banks might have locked in the period of 2 years while the others may have none.

                              Oh, before we end our post for today, for those who want to check out The Tapestry Condo that we mentioned earlier, you should!

                              How much do you need to buy a Singapore Condo

                              How Much Do You Need to Buy a Singapore Condo?

                              Previously SICOM blog on Singapore Condominium Investment??Some of the readers comment and may be interested to know how much money you need to own a condominium instead.?This post will tell you whether you can afford one of that luxurious property in Singapore.
                              Staying in a condominium feels different from staying in an HDB flat. There is security post to ensure safety, a swimming pool, a gym, barbeque pits for relaxation after works and most importantly is also the feeling of a high-end living environment. It gives someone a rich feeling perhaps?
                              We found a video from CNN to show you what it looks like to have luxurious living in Singapore:
                              Nowadays condominiums are going high tech. My uncle’s condominium, which he just bought last year, has an auto lock door function pre built in.?Now, you may be looking at one of these condos:

                              Hundred Palms Residences

                              Le Quest New Condo

                              Nice to have a gym with a nice urban scenery? How much is the price? Here you go:

                              Condos in Singapore vary in price, based on which district their in. The priciest districts are 9, 10, and 11, which include Orchard Road, Tanglin, and Sentosa. These condos cost so much money ($6 million or above is not uncommon), we suspect CNB checks your car for smuggled heroin if you so much as step in the showroom.

                              Most Singaporeans though, when they talk about condos, are referring to mass market condos. These are condos in the Outside of Central Region (OCR), in places like Tampines or Clementi. For the purposes of this example, we will assume you’re looking at one of these more typical condos, which will cost around $1.2 million.

                              I hope you expected that it was this price. Did it dash your hopes of buying a condominium? Time to break down the money you need in order to own one of these.
                              Most likely an average person will go for a 2 bedroom or a 2 + Study type. Let’s make the price at $900,000 for easier calculations.

                              Can you afford a $900,000 condominium in Singapore?

                              Maximum loan tenure you can take from the bank is at 35 years now. The maximum loan amount you can take is 80% of the market value of the house. This is only for loan tenure of up to 30 years. If your loan if more than 30 years, you can only borrow 60% of the market value of the house. This is the Loan to value (LTV) ratio.
                              Another thing to take note is the Total Debt Servicing Ratio (TDSR). It is at 60% currently. This means you can only use a maximum of 60% of your gross monthly income to pay for all loans. This includes all your other loans including car loans, credit card debts, students loans and personal loans etc.
                              Let’s say you do not have any other loans currently so you can use up fully the 60% ratio. You also take the maximum LTV ratio at 80% so loan tenure is 30 years.
                              Below are the summarised details:
                              • Property Price: $900,000
                              • Loan tenure/period: 30 years
                              • Loan amount: $720,000 (80%)
                              • Down payment: $180,000 (20%)
                              The monthly repayment when calculated based on a 2% interest will be?$2661/month.

                              You can only use 60% of your gross income to pay the loans. This means you need a monthly gross income of?$4435.

                              *However, MAS requires financial institutions (FI) to use a higher interest rate of 3.5% when calculating monthly loan repayments. Thus, at 3.5% you’re required to have a gross monthly income of $5388.53 to qualify for a $720,000 loan for 30 years.

                              Now, having an income of $5388.53 sounds quite easy especially if you are a degree holder working at the manager level. But don’t forget, you still need to pay 20% down payment. This amount is $180,000. Now, it doesn’t look that cheap anymore. Furthermore, you can only pay 15% of the 20% down payment by?CPF?and you’ll need to pay 5% of it by cash or cheque. This is 75% of $180k by CPF and 25% by cash. This sums up to $45k by cash.
                              *Do take note that there is a Mortgage servicing ratio (MSR) of 30% for Executive Condos (EC) bought directly from developers. This means you can only use 30% of your gross monthly income to pay for EC housing loan instalment.
                              In any case, even if you can afford the down payment, I don’t think you’ll want to use 60% of your income to pay the monthly instalment. By the end of every month, you’ll be left with nothing much. It is also dangerous to have such high ratios of debt to income. In the event you lose your job, you’ll be stressed out.
                              Probably an income of?$8870?would be comfortable to own a condominium. In this way, you’ll only be using 30% of your income for the property.
                              P.S: If you’re unsure about your loan eligibility or wish to apply for a new housing loan, contact us for a complimentary consultation today. I’m a mortgage broker who compares the rates against 16 different banks and financial institutions in Singapore to provide you with the best housing loan package at the lowest interest rates. Refinancing enquiries are welcomed too. Click?here?for more information on the services I provide.

                              *Disclaimer – The above calculations are used for illustrations only. It does not reflect the actual loan that you will qualify. When in doubt, check with a licensed financial institution for more information.?

                              Is Executive Condominium Worth Investing?

                              Previously, we have written a post about condo investing. Since then I have received some emails from readers asking what are some interesting property buys in Singapore. One of a special property structure available in Singapore is called Executive Condominium (or EC in short). Today

                              Today SICOM will be discussing with readers what is EC and more importantly is it worth investing for. Also, I will be also sharing one of the latest launches in Singapore, Hundred Palms EC at Yio Chu Kang Road.

                              What is Executive Condominium (EC)

                              Executive Condominiums, or EC, are a type of housing in Singapore. First built in 1999, EC is a hybrid of the public and private housing. They resemble private condominiums and are enclosed within a gated compound with security, amenities like swimming pools, clubhouses, playgrounds and so forth. They are also built and sold by private developers, but at a price lower than private homes because their land prices are subsidised by the Government. Additionally, buyers can take Central Provident Fund (CPF) grants to pay for an EC bought from a developer.

                              Hence an EC is subject to some regulations that apply to HDB flats.

                              Buyers’ household income must not exceed $14,000, in order to qualify for an EC. This limit was raised from the previous $12,000 in August 2015.

                              For direct purchases from a developer, there is a minimum occupancy period of five years; during which the EC cannot be sold or rented out whole. After five years, the EC can only be sold to Singaporeans or Singaporean Permanent Residents (PRs). Only when the development reaches ten years old can it be sold to foreigners.

                              In December 2013, HDB announced that Executive Condos will now be subjected to the Resale Levy. This is a lump sum payment made to HDB when you purchase a second subsidised home. However, this only applies to ECs whose land sales were launched on or after 9 December 2013. At present, there are still a few ECs available that are not subjected to the Resale Levy.

                              Eligibility for Hundred Palms?EC

                              This is a brief discussion about the eligibility to own an executive condominium such as Hundred Palms EC. To have a quicker check, feel free to contact our friendly agent and we will help you do a quick ground check:

                              Family nucleus

                              You will need to qualify for?The Hundred Palms Residence Executive Condominium?(EC) under one of these eligibility schemes:

                              • Public Scheme

                              • Fiancé/Fiancée Scheme

                              • Orphans Scheme

                              • Joint Singles Scheme

                              Citizenship

                              • You must be a Singapore Citizen

                              • At least 1 other applicant must be a Singapore Citizen or Singapore Permanent Resident

                              • All singles must be Singapore Citizens if applying under the Joint Singles Scheme

                              Age

                              • At least 21 years old

                              • At least 35 years old, if applying under the Joint Singles Scheme

                              Income ceilingYour household income must not exceed the $14,000 income ceiling.

                              Property ownership

                              • You do not own other property overseas or locally, or have not disposed of any within the last 30 months

                              • You have not bought a new HDB/ DBSS flat or EC, or received a CPF Housing Grant before; or, have only bought 1 of these properties/ received 1 CPF Housing Grant thus far

                              Why can be Executive Condo attractive to you?

                              An Executive Condominium (EC) comprises a potentially lucrative option for first time home buyers. Indeed, often lauded as the perfect home for the Singaporean sandwich class – those who essentially earn too much to qualify for an HDB but not quite enough to invest in a condo – the Executive Condominium is a public-private hybrid reflecting both the attractive prices of public housing and the superior comfort of private condominiums.

                              While private condos have been part of the Singapore landscape since the early 70s, Executive Condominiums are a relatively new invention, only joining the scene in the late 90s. Singapore has, from its inception, followed a policy favouring homeownership, and as the society developed a stronger middle class, new ways had to be found to house its increasingly affluent population.

                              Disregarding the rules and stripped of its public characteristics, the Executive Condominium is in its physical form not just similar but absolutely identical to a condominium. It shares both in its enhanced comfort and rich variety of amenities such as swimming pools, private parks, tennis courts, 24/7 security and the like. For the above reason, the Executive Condominium becomes an obvious choice for those Singaporeans who can afford a little more than an HDB but cannot stretch to a private apartment.

                              However, if you are in the situation where your finances allow you to make a choice between an executive condominium and a private one, then the decision is a little tougher. To this end, we shall lay out precisely in what scenario, and under what circumstances you may want to give Executive Condominiums a chance before rushing head over heels into the private sector.

                              Important Thing to note!

                              Executive Condominiums were designed to serve as homes rather than investment options. To this end, anyone who buys an Executive Condominium has to live in it for at least 5?years before it can be sold on, and even after half a decade has passed you are restricted in that you can only sell the flat to Singapore Citizens or Singapore Permanent Residents.

                              Subsequently, HDB bars foreigners from buying Executive Condominiums for another 5?years. After a full decade has passed the Executive Condominium effectively transforms into a private condominium, and it may as such be sold to anyone on the free market.

                              To contextualise the measures a little, Executive Condominiums are state-subsidized and meant to enhance homeownership for Singaporeans, not the investment opportunities for real estate moguls. As such, you will not be able to profit by buying a flat from the government and then selling it on when market prices surge.

                              While it is a constraint, the Minimum Occupation Period (MOP) does not harm anyone who primarily views an Executive Condominium as a roof over one’s head, and intends to actually live in it.

                              About Hundred Palms Residences

                              The new Hundred Palms Residences EC land parcel attracted 10 hopeful bids with Hoi Hup Realty emerging winner with a top bid of $183.8 million. The land cost translates to a land cost per square foot per plot ratio(psf ppr) at $331.02 and an estimated Hundred Palms Residences EC price to be in the range of $750 psf to $800psf.

                              Why Buy Hundred Palms Residences?EC?

                              • Hoi Hup is a renowned developer behind this project
                              • 531 exclusive units to select from 2 bedrooms to 5 bedroom
                              • Elegant interior and spacious layouts for each unit
                              • District 19 and close proximity to Kovan Town Centre & Kovan MRT
                              • Easy connectivity to?Central Expressway (CTE)
                              • Close proximity to prestigious school – Rosyth School
                              • Attractive pricing from $7xxK

                              So, that’s about the EC property investing that we have for you in this week post.

                              What’s your view? Feel free to comment below and share with us your view.

                               

                              Seaside Residences: New Launch in Siglap Singapore

                              In SICOM, we always look into some?new investment opportunity to share with our readers. Today, we would like to talk more about a Property investment opportunity in Singapore – Seaside Residences.

                              About Seaside Residences

                              The Seaside Residences at Siglap?is?a new?residential development at?Siglap Link Road, Singapore. It is an upcoming 99 years project by Frasers Centrepoint near East Coast Park that aims to owner occupiers in the middle and upper segment.

                              Seaside Residence?is located along East Coast Parkway,?that will be a place call home to about 800-900 lavish sea view facing apartments. It is expected to offer a high capital appreciation for both home-owners and investors with its strategic location. Just 400 metres away from the condo to the nearest MRT – the upcoming Siglap MRT Station on Thomson-East Coast Line as well as the excellent connectivity to urban amenities in East Coast Park &?Katong.

                              About Property Investment

                              There is a difference between owning a property and using the property to grow our savings.

                              A property owner is defined as anyone who owns the property. Many people dream of owning more than one property in their lifetime, but few actually do. I believe there are many who are able to own more than one property but do not. Many people hold on to properties whose values have exceeded peak prices. To be precise, many people hold on to that one property they own, even though the value of that property has exceeded peak prices.

                              These property owners have the possibility of cashing out to buy more properties to multiply their assets but they do not do so, or they clog much later in life. Hence, they miss out on the opportunity of restructuring their assets so that they can own a second (or sometimes third) asset.

                              For property owners who wait till they are much older in life to buy another property, they miss out on reaping the benefits of owning multiple properties earlier in life.

                              Accumulating wealth via ‘savings is not just about how much money you save. It’s also about how fast you can grow your savings safely, systematically, and predictably. When we use our properties to grow our savings, we buy and sell when the price is right. We treat our mortgages as a form of forced savings. We do our research before making any decisions. The decision to buy or sell is based on a clear understanding of the prevailing situation that is supported by research and analysis.

                              We call this the “potential upside”. We follow a proven formula and continue to replicate previous successes, resulting in systematic growth for our assets. For me, the formula use to make all decisions is based on a strict set of guidelines, namely, what is the potential upside measured in terms of capital gain and rental yield. We are always in control.

                              We are never driven by emotions to buy and sell. When someone rushes to buy a property just because he sees everyone else doing it, or because “if I don’t buy it, the opportunity to make money will be gone”, or because “my best friend bought a unit – it must be a good buy”, then they have all made emotionally-driven purchases.

                              Neither are numerology and Feng Shui valid reasons to pay premiums for properties. Likewise, when you “fall in love” with your property and grow attached to it, it becomes difficult for you to let go and sell.?

                              Why Seaside Residences

                              With its location right across the ECP from East Coast Park, you will be able to enjoy the sea view in the comfort of your own home. The start of every work day will never be boring as you can start your day with an impressive view of the sunrise every morning. The perfect headstart with a beautiful sea view for the residents at seaside residences.

                              And after a one day of work, a wide variety of sporting activities will also be just right beside your home. This includes beach volleyball, cycling, cable skiing, and other water sports. There is also a hawker centre, as well as many cafes and restaurants, along with the entire stretch of East Coast Park for you to choose from should you wish to dine out somewhere close to home.

                              For more shopping and dining options, Parkway Parade is just a short drive away, where you will be able to find Cold Storage and Giant supermarket for your grocery needs. Other anchor tenants in Parkway Parade include Uniqlo, Marks & Spencer, Isetan, Best Denki and Harvey Norman.

                              Contact Seaside Residences Team

                              We pride to help more readers to be successful in their investment journey. If you?don’t want to miss out this opportunity, you can contact James our friend who are also the direct property agent of this new launch in Siglap. If you want to keep an eye on it, you can also like the Seaside Residences facebook page.

                              Investing in Properties

                              Updates as of 2018: One of the latest condo launches in Singapore?will be The Tapestry.

                              Do you think that you would like to have a good investment? The best thing that you can do is make sure that you will invest in the right properties. You may have checked out Marine One Residences 2nd launch and have highly liked the way that the property looks like. You have to remember that if you would choose the right properties to invest on, the returns can be very high. You may have to wait a while before the turnout can be good but once you get it, you know that you will not have any regrets.

                              Here are some of the things that you have to remember before you choose to invest:

                              1. Give Importance to Your Finances

                              You have to check out all of your assets and your monthly income. You have to check all of the sources of your money so that you can be sure with what you can expect and how much you can invest on the property that you are planning to sell. You may also want to try getting a loan so that you can purchase the property that you want.

                              1. Know That You Are Going to Take A Risk

                              You may not be into taking risks because you are not quite sure whether you will have a good return for your investment or not but unless you are willing to take risks then you will never know what you are going to expect.

                              1. Research About the Property that You Like to Purchase

                              There is a possibility that you already have a property in mind. You have to remember that even if you are already convinced about the things that you have learned about it so far, you still have to make sure that you will think about the important things you have to consider. Do remember to be wary of possible get rich quick schemes that may be available.

                              1. Have Goals

                              You have to set goals so that you can be sure that you know what to do. When you have goals, there are certain things that you are going to follow. Every time you achieve these goals, you can reward yourself to help you become more interested in the other goals that you have to follow.

                              Get to know more details on investing on properties from here:

                              Now that you already know the different things to remember, you may have better chances of investing on something that you know will become profitable in the long run.

                              白宫国际娱乐会所

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