Re the Bond of 46000 .My advice to anyone is don't bring the money to Singapore as you only get .625% interest on it. and you might suffer a currency loss after the bond is up,which is exactly 5 years from your line check. If you can arrange for bank to guarantee it on your house if you have one then you don't have to stump up the cash,but the bank must have a branch in Singapore for this to work. Either way you will get charged for this service. If coming from UK go to DBS Bank in London if you deposit cash and leave it offshore you get better interest rate,but if in Pounds you will have to add an extra amount to allow for any currency flucuation.