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楼主: fanglinsg

[房产] 有关租房/买房/卖房/出租/贷款/装修/等问题请进

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发表于 11-1-2006 21:16:00|来自：新加坡 | 显示全部楼层
Case by case, my case is the special one........the owner urgently sold his house...........[em01][em01]
[此贴子已经被作者于2006-1-11 21:17:46编辑过]
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发表于 11-1-2006 23:03:00|来自：新加坡 | 显示全部楼层
小狮租房
<DIV class=quote><B>以下是引用<I>不戒</I>在2006-1-10 15:57:44的发言：</B><BR><BR>
<P>我买的是碧山公园附近24X号，12楼点式结构，也就是所谓point block，4A 114平方，房龄13年，估价302k，买价310k，房型环境都不错，缺点是离MRT远，不是电梯层。</P></DIV>
<P>谢谢不戒的详述.
<P>还有我看到有的朋友找到好中介可以省很多钱,各位有什么可以介绍的吗?我曾买过一次房,那中介可不咋样.后来才发现我们找的是对方的中介,怪不得老是偏向卖方.
<P>觉得中介真的太重要了.特别是对我们这类两眼一抹黑的异乡人.:)</P>
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布衣
发表于 12-1-2006 00:31:00|来自：新加坡 | 显示全部楼层
<DIV class=quote><B>以下是引用<I>玫瑰宝贝</I>在2005-3-7 11:46:16的发言：</B><br>
<P>我想问一下,如果一对夫妻买了房子,然后这对夫妻 的丈夫死了哪这房子还用不用供啊?</P>
<P>还是直接就不用妻子供了,房子就算是妻子的呢?</P></DIV>
<P><STRONG><EM>玫瑰宝贝，我来回答你的问题。</EM></STRONG>
<P><STRONG><EM>一般买房子要一起买保险，如果丈夫意外去世，保险公司支付丈夫那部分贷款。</EM></STRONG>
<P><STRONG><EM>至于丈夫去世了，房产该归谁。根据新加坡法律，是由买房的时候的联名条款而定，可以有两种情况：</EM></STRONG>
<P><STRONG><EM>1。 一方A去世后，房产自动归入另一方B，就算A立下遗嘱也没有用。</EM></STRONG>
<P><STRONG><EM>2。 一方A去世后，房产不自动归入另一方B，A的房产有遗嘱决定，如果没有遗嘱，由相关法律决定。</EM></STRONG>
<P><STRONG><EM>在买房的时候，一定要向你的律师或中介询问。</EM></STRONG>
<P>如果有任何房屋方面疑问，可以给我留言或直接发短讯给我，最好不要直接打电话。</P><br>
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布衣
发表于 12-1-2006 01:00:00|来自：新加坡 | 显示全部楼层
<DIV class=quote><B>以下是引用<I>caffeeeuro</I>在2005-8-6 17:56:37的发言：</B><BR>pr可以从hdb贷款吗，谁知道清告诉我，谢谢</DIV>
<P>不可以。
<P>
<P>如果有任何房屋方面疑问，可以给我留言或直接发短讯给我，最好不要打电话</P>
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发表于 12-1-2006 11:34:00|来自：新加坡 | 显示全部楼层

OCBC interest rates packages

<DIV><FONT face=Arial color=#0000ff size=2><STRONG><U>
<DIV><FONT face=Arial><FONT size=3><FONT color=#800080><STRONG><U>Variable Rate:</U></STRONG> </FONT></FONT></FONT> </DIV></U></STRONG></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2><STRONG><U>80% Loan Quantum:</U> </STRONG> </FONT></FONT></FONT> </DIV>
<DIV><FONT face=Arial color=#0000ff size=2>1st year: 2. 75 %</FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>2nd year: 3.25  </FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>&amp; thereafter: 3.5%       </FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>  </FONT></FONT></FONT></DIV>
<DIV>
<DIV><FONT face=Arial color=#0000ff size=2>- 2 years penalty for full redemption.</FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>* subjected to <B>1.5% </B>penalty  if loan is redeemed during your penalty period.</FONT> <FONT size=2> </FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff></FONT></FONT> </DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>- No penalty for partial prepayments.</FONT> </FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff size=2></FONT></FONT> </DIV>
<DIV><FONT size=+0><FONT size=+0><FONT size=2><FONT size=+0><FONT size=+0><FONT size=+0><FONT size=+0><FONT face=Arial><FONT color=#800080><STRONG><U>18 Months Fixed Rate:</U></STRONG></FONT></FONT></DIV></DIV>
<DIV>
<DIV>
<DIV>
<DIV><FONT face=Arial color=#0000ff size=2><STRONG><U>80% Loan Quantum:</U></STRONG></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>1-18 months: 3.25% (Fixed) </FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>19-24 months: 3.25%</FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>25-30 months: 3.50%</FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>  </FONT></FONT></FONT> </FONT></FONT></FONT></FONT><FONT face=Arial color=#0000ff> </FONT></FONT></FONT></FONT><FONT size=2> <FONT face=Arial color=#0000ff> </FONT></FONT></DIV>
<DIV>
<DIV><FONT face=Arial><FONT color=#0000ff size=2>- 2 years penalty for full redemption</FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff size=2><FONT face=Arial><FONT color=#0000ff><FONT size=2>* subjected to <B>1.5% </B>penalty  if loan is redeemed during your penalty period.</FONT><FONT size=3> </FONT></FONT></FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff size=2></FONT></FONT> </DIV>
<DIV><FONT face=Arial><FONT color=#0000ff size=2>- 1.5% penalty on amount prepaid within 2 years from date of 1st disbursement</FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff size=2></FONT></FONT> </DIV>
<DIV><FONT face=Arial color=#800080><STRONG><U>30 Months Fixed Rate:</U></STRONG></FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2><STRONG><U>80% Loan Quantum:</U></STRONG></FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2>1-30 months: 3.45% (Fixed)</FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2>31-36 months: 3.50% </FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2></FONT> </DIV>
<DIV><FONT face=Arial color=#0000ff size=2><FONT size=+0><FONT size=+0><FONT face="Times New Roman" color=#000000></FONT>
<DIV><FONT face=Arial color=#0000ff size=2>- 3 years penalty for full redemption.</FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>* subjected to <B>1.5% </B>penalty if loan is redeemed during your penalty period.  </FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2></FONT></FONT></FONT> </DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2><FONT face=Arial><FONT color=#0000ff size=2>- 1.5% penalty on amount prepaid within 3 years from date of 1st disbursement</FONT></FONT> </FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2></FONT></FONT></FONT> </DIV></FONT></FONT></FONT></DIV></DIV></DIV></DIV></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2> </FONT><STRONG><U><FONT color=#800080 size=3>Other terms and conditions:</FONT></U></STRONG></FONT></FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2>- 0.4%  of the loan amount as the legal fees subsidy</FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2>* subject to full refund if loan is redeemed within 3 years</FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2></FONT> </DIV>
<DIV><FONT face=Arial color=#800080><STRONG><U>Other fees to take note:</U></STRONG></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>Stamp Duty </FONT></FONT></FONT></DIV>
<DIV><FONT size=2><FONT size=+0><FONT size=+0><FONT face=Arial><FONT color=#0000ff><FONT size=2>Legal Fees</FONT> <FONT size=2>   </FONT></FONT></FONT></FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff size=2>* Both fees are payable in CPF / Cash </FONT></FONT> </DIV>
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发表于 12-1-2006 17:16:00|来自：新加坡 | 显示全部楼层
<DIV class=quote><B>以下是引用<I>布衣</I>在2006-1-12 0:31:12的发言：</B><BR><BR>
<P><STRONG><EM>玫瑰宝贝，我来回答你的问题。</EM></STRONG>
<P><STRONG><EM>一般买房子要一起买保险，如果丈夫意外去世，保险公司支付丈夫那部分贷款。</EM></STRONG>
<P><STRONG><EM>至于丈夫去世了，房产该归谁。根据新加坡法律，是由买房的时候的联名条款而定，可以有两种情况：</EM></STRONG>
<P><STRONG><EM>1。 一方A去世后，房产自动归入另一方B，就算A立下遗嘱也没有用。</EM></STRONG>
<P><STRONG><EM>2。 一方A去世后，房产不自动归入另一方B，A的房产有遗嘱决定，如果没有遗嘱，由相关法律决定。</EM></STRONG>
<P><STRONG><EM>在买房的时候，一定要向你的律师或中介询问。</EM></STRONG>
<P>如果有任何房屋方面疑问，可以给我留言或直接发短讯给我，最好不要直接打电话。</P><BR><BR></DIV>
<P>
<P>针对夫妇联名购买房屋所需房屋贷款保险，做一点补充说明：</P>
<P>1）夫妇俩人的保障额度，至少要等于或高于贷款额</P>
<P>2）如果夫妇俩人各保50%贷款额，则任何一方出事，保险公司负责支付总贷款余额的50%，幸存的一方只需继续支付总贷款余额的50%，即所谓只支付自己承担的剩余贷款。</P>
<P>3）但若夫妇俩人各自购买的保障均为100%贷款额，则任何一方出事，幸存的一方将不用继续支付剩余贷款，而由保险公司支付</P>
<P>4）若只有先生购买100%贷款额的保障：先生出意外，房屋贷款余额应由保险公司全权打理，但太太出意外，先生还是需继续支付房屋贷款余额，反之亦然。</P>
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发表于 12-1-2006 17:21:00|来自：新加坡 | 显示全部楼层
<DIV class=quote><B>以下是引用<I>flyaway028</I>在2006-1-12 11:33:35的发言：</B><BR>
<DIV><FONT face=Arial color=#0000ff size=2><STRONG><U>
<DIV><FONT face=Arial><FONT size=3><FONT color=#800080><STRONG><U>Variable Rate:</U></STRONG> </FONT></FONT></FONT></DIV></U></STRONG></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2><STRONG><U>80% Loan Quantum:</U> </STRONG></FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2>1st year: 2. 75 %</FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>2nd year: 3.25  </FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>&amp; thereafter: 3.5%       </FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>  </FONT></FONT></FONT></DIV>
<DIV>
<DIV><FONT face=Arial color=#0000ff size=2>- 2 years penalty for full redemption.</FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>* subjected to <B>1.5% </B>penalty  if loan is redeemed during your penalty period.</FONT> <FONT size=2></FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>- No penalty for partial prepayments.</FONT> </FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff size=2></FONT></FONT></DIV>
<DIV><FONT size=+0><FONT size=+0><FONT size=2><FONT size=+0><FONT size=+0><FONT size=+0><FONT size=+0><FONT face=Arial><FONT color=#800080><STRONG><U>18 Months Fixed Rate:</U></STRONG></FONT></FONT></DIV></DIV>
<DIV>
<DIV>
<DIV>
<DIV><FONT face=Arial color=#0000ff size=2><STRONG><U>80% Loan Quantum:</U></STRONG></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>1-18 months: 3.25% (Fixed) </FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>19-24 months: 3.25%</FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>25-30 months: 3.50%</FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>  </FONT></FONT></FONT> </FONT></FONT></FONT></FONT><FONT face=Arial color=#0000ff></FONT></FONT></FONT></FONT><FONT size=2><FONT face=Arial color=#0000ff></FONT></FONT></DIV>
<DIV>
<DIV><FONT face=Arial><FONT color=#0000ff size=2>- 2 years penalty for full redemption</FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff size=2><FONT face=Arial><FONT color=#0000ff><FONT size=2>* subjected to <B>1.5% </B>penalty  if loan is redeemed during your penalty period.</FONT><FONT size=3> </FONT></FONT></FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff size=2></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff size=2>- 1.5% penalty on amount prepaid within 2 years from date of 1st disbursement</FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff size=2></FONT></FONT></DIV>
<DIV><FONT face=Arial color=#800080><STRONG><U>30 Months Fixed Rate:</U></STRONG></FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2><STRONG><U>80% Loan Quantum:</U></STRONG></FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2>1-30 months: 3.45% (Fixed)</FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2>31-36 months: 3.50% </FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2></FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2><FONT size=+0><FONT size=+0><FONT face="Times New Roman" color=#000000></FONT>
<DIV><FONT face=Arial color=#0000ff size=2>- 3 years penalty for full redemption.</FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>* subjected to <B>1.5% </B>penalty if loan is redeemed during your penalty period.  </FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2></FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2><FONT face=Arial><FONT color=#0000ff size=2>- 1.5% penalty on amount prepaid within 3 years from date of 1st disbursement</FONT></FONT> </FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2></FONT></FONT></FONT></DIV></FONT></FONT></FONT></DIV></DIV></DIV></DIV></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2></FONT><STRONG><U><FONT color=#800080 size=3>Other terms and conditions:</FONT></U></STRONG></FONT></FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2>- 0.4%  of the loan amount as the legal fees subsidy</FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2>* subject to full refund if loan is redeemed within 3 years</FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2></FONT></DIV>
<DIV><FONT face=Arial color=#800080><STRONG><U>Other fees to take note:</U></STRONG></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>Stamp Duty </FONT></FONT></FONT></DIV>
<DIV><FONT size=2><FONT size=+0><FONT size=+0><FONT face=Arial><FONT color=#0000ff><FONT size=2>Legal Fees</FONT> <FONT size=2>   </FONT></FONT></FONT></FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff size=2>* Both fees are payable in CPF / Cash </FONT></FONT></DIV>
<DIV><FONT color=#0000ff size=2></FONT> </DIV>
<DIV><FONT color=#0000ff size=2></FONT> </DIV>
<DIV>
<P ><FONT face="Times New Roman"><B >2. HONG LEONG FINANCE</B><B ><o:p></o:p></B></FONT></P>
<P ><B>Features<o:p></o:p></B></P>
<UL type=disc>
<LI class=MsoNormal style="MARGIN: 0cm 0cm 0pt; COLOR: black; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt"><B>      </B><B>Loan Quantum</B> <BR>This package is applicable for purchase of HDB residential flats. (Minimum loan of S$60,000) <o:p></o:p></LI>
<UL type=circle>
<LI class=MsoNormal style="MARGIN: 0cm 0cm 0pt; COLOR: black; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level2 lfo1; tab-stops: list 72.0pt">Up to 90% of purchase price or valuation whichever is the lower. <o:p></o:p></LI></UL>
<LI class=MsoNormal style="MARGIN: 0cm 0cm 0pt; COLOR: black; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt"><B>Tenure</B> <BR>Up to 35 years or age 70 of borrower, whichever is earlier. <o:p></o:p></LI>
<LI class=MsoNormal style="MARGIN: 0cm 0cm 0pt; COLOR: black; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt"><B>Attractive Benefits</B> <o:p></o:p></LI>
<UL type=circle>
<LI class=MsoNormal style="MARGIN: 0cm 0cm 0pt; COLOR: black; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level2 lfo1; tab-stops: list 72.0pt">Free fire insurance for first 2 years. <o:p></o:p></LI>
<LI class=MsoNormal style="MARGIN: 0cm 0cm 0pt; COLOR: black; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level2 lfo1; tab-stops: list 72.0pt">Legal cost subsidy of up to 0.4% of approved loan amount or S$1,000 whichever is lower. (Terms and conditions apply<o:p></o:p></LI></UL></UL>
<P ><B ><o:p><FONT face="Times New Roman"> </FONT></o:p></B></P>
<DIV align=center>
<TABLE  cellSpacing=0 cellPadding=0 width="90%" border=0>

<TR >
<TD  vAlign=top width="5%">
<P  align=left><o:p> </o:p></P></TD>
<TD  vAlign=top width="95%">
<P  align=left><B>Interest Rates</B><o:p></o:p></P></TD></TR>
<TR >
<TD  vAlign=top>
<P  align=left><o:p> </o:p></P></TD>
<TD  vAlign=top>
<P  align=left>
  1. &lt;SCRIPT language=JavaScript src="../../template/rates_hdbhomeloan.js"&gt;<br>
  2.   <br>&lt;/script&gt;
复制代码

<B>Variable Rate Package</B> <o:p></o:p></P>
<TABLE  cellSpacing=0 cellPadding=0 width="95%" border=1>

<TR >
<TD >
<P  align=center> <o:p></o:p></P></TD>
<TD  width=175>
<P  align=center><B>80% Financing</B><o:p></o:p></P></TD>
<TD >
<P  align=center><B>&gt;80%-90% Financing</B><o:p></o:p></P></TD></TR>
<TR >
<TD  width=73>
<P  align=center>1st year<o:p></o:p></P></TD>
<TD >
<P  align=center>2.70% p.a. (HHR*-0.80%)<o:p></o:p></P></TD>
<TD >
<P  align=center>3.45% p.a. (HHR*-0.05%)<o:p></o:p></P></TD></TR>
<TR >
<TD  width=73>
<P  align=center>2nd year<o:p></o:p></P></TD>
<TD >
<P  align=center>3.25% p.a. (HHR*-0.25%)<o:p></o:p></P></TD>
<TD >
<P  align=center>4.00% p.a. (HHR*+0.50%)<o:p></o:p></P></TD></TR>
<TR >
<TD  width=73>
<P  align=center>Thereafter<o:p></o:p></P></TD>
<TD >
<P >3.50% p.a. (HHR*)<o:p></o:p></P></TD>
<TD >
<P  align=center>4.50% p.a. (HHR*+1.00%)<o:p></o:p></P></TD></TR></TABLE>
<P  align=left><B>2-Year Fixed Rate Package</B> <o:p></o:p></P>
<TABLE  cellSpacing=0 cellPadding=0 width="95%" border=1>

<TR >
<TD >
<P  align=center> <o:p></o:p></P></TD>
<TD  width=175>
<P  align=center><B>80% Financing</B><o:p></o:p></P></TD>
<TD >
<P  align=center><B>&gt;80%-90% Financing</B><o:p></o:p></P></TD></TR>
<TR >
<TD  width=73>
<P  align=center>1st year<o:p></o:p></P></TD>
<TD >
<P  align=center>3.20% p.a. Fixed<o:p></o:p></P></TD>
<TD >
<P  align=center>3.90% p.a. Fixed<o:p></o:p></P></TD></TR>
<TR >
<TD  width=73>
<P  align=center>2nd year<o:p></o:p></P></TD>
<TD >
<P  align=center>3.75% p.a. Fixed<o:p></o:p></P></TD>
<TD >
<P  align=center>4.50% p.a. Fixed<o:p></o:p></P></TD></TR>
<TR >
<TD  width=73>
<P  align=center>Thereafter<o:p></o:p></P></TD>
<TD >
<P  align=center>3.50% p.a. (HHR*)<o:p></o:p></P></TD>
<TD >
<P  align=center>4.50% p.a. (HHR*+1.00%)<o:p></o:p></P></TD></TR></TABLE>
<P  align=left>*Our HDB Home Rate (HHR) is 3.50% p.a. <o:p></o:p></P>
<P  align=left>Note: Rates and terms quoted are subject to change anytime without prior notice. <o:p></o:p></P></TD></TR>
<TR >
<TD >
<P  align=left><o:p> </o:p></P></TD>
<TD >
<P  align=left><o:p> </o:p></P></TD></TR>
<TR >
<TD  vAlign=top width="5%">
<P  align=left><v:shapetype><v:stroke joinstyle="miter"></v:stroke><v:formulas><v:f eqn="if lineDrawn pixelLineWidth 0"></v:f><v:f eqn="sum @0 1 0"></v:f><v:f eqn="sum 0 0 @1"></v:f><v:f eqn="prod @2 1 2"></v:f><v:f eqn="prod @3 21600 pixelWidth"></v:f><v:f eqn="prod @3 21600 pixelHeight"></v:f><v:f eqn="sum @0 0 1"></v:f><v:f eqn="prod @6 1 2"></v:f><v:f eqn="prod @7 21600 pixelWidth"></v:f><v:f eqn="sum @8 21600 0"></v:f><v:f eqn="prod @7 21600 pixelHeight"></v:f><v:f eqn="sum @10 21600 0"></v:f></v:formulas><v:path o:connecttype="rect" gradientshapeok="t" o:extrusionok="f"></v:path><o:lock aspectratio="t" v:ext="edit"></o:lock></v:shapetype><v:shape><v:imagedata></v:imagedata></v:shape><o:p></o:p></P></TD>
<TD  vAlign=top width="95%">
<P  align=left><B><FONT size=4>方姐, 请你帮我比较一下,大体上哪个配套比较划算. 十分感谢!!!</FONT></B></P></TD></TR>
<TR >
<TD  vAlign=top>
<P  align=left><o:p> </o:p></P></TD>
<TD  vAlign=top>
<P  align=left></P></TD></TR>
<TR >
<TD >
<P  align=left><o:p> </o:p></P></TD>
<TD >
<P  align=left><o:p> </o:p></P></TD></TR>
<TR >
<TD >
<P  align=left><v:shape><v:imagedata></v:imagedata></v:shape><o:p></o:p></P></TD>
<TD >
<P  align=left><B></B> </P></TD></TR>
<TR >
<TD >
<P  align=left><o:p> </o:p></P></TD>
<TD >
<P  align=left></P></TD></TR></TABLE></DIV></DIV></DIV>
<p>
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布衣
发表于 12-1-2006 22:05:00|来自：新加坡 | 显示全部楼层
<DIV class=quote><B>以下是引用<I>flyaway028</I>在2006-1-12 17:20:45的发言：</B><BR></U></STRONG></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2><STRONG><U>80% Loan Quantum:</U> </STRONG></FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2>1st year: 2. 75 %</FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>2nd year: 3.25  </FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>&amp; thereafter: 3.5%       </FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>  </FONT></FONT></FONT></DIV>
<DIV>
<DIV><FONT face=Arial color=#0000ff size=2>- 2 years penalty for full redemption.</FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>* subjected to <B>1.5% </B>penalty  if loan is redeemed during your penalty period.</FONT> <FONT size=2></FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>- No penalty for partial prepayments.</FONT> </FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff size=2></FONT></FONT></DIV>
<DIV><FONT size=+0><FONT size=+0><FONT size=2><FONT size=+0><FONT size=+0><FONT size=+0><FONT size=+0><FONT face=Arial><FONT color=#800080><STRONG><U>18 Months Fixed Rate:</U></STRONG></FONT></FONT></DIV></DIV>
<DIV>
<DIV>
<DIV>
<DIV><FONT face=Arial color=#0000ff size=2><STRONG><U>80% Loan Quantum:</U></STRONG></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>1-18 months: 3.25% (Fixed) </FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>19-24 months: 3.25%</FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>25-30 months: 3.50%</FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>  </FONT></FONT></FONT> </FONT></FONT></FONT></FONT><FONT face=Arial color=#0000ff></FONT></FONT></FONT></FONT><FONT size=2><FONT face=Arial color=#0000ff></FONT></FONT></DIV>
<DIV>
<DIV><FONT face=Arial><FONT color=#0000ff size=2>- 2 years penalty for full redemption</FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff size=2><FONT face=Arial><FONT color=#0000ff><FONT size=2>* subjected to <B>1.5% </B>penalty  if loan is redeemed during your penalty period.</FONT><FONT size=3> </FONT></FONT></FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff size=2></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff size=2>- 1.5% penalty on amount prepaid within 2 years from date of 1st disbursement</FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff size=2></FONT></FONT></DIV>
<DIV><FONT face=Arial color=#800080><STRONG><U>30 Months Fixed Rate:</U></STRONG></FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2><STRONG><U>80% Loan Quantum:</U></STRONG></FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2>1-30 months: 3.45% (Fixed)</FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2>31-36 months: 3.50% </FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2></FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2><FONT size=+0><FONT size=+0><FONT face="Times New Roman" color=#000000></FONT>
<DIV><FONT face=Arial color=#0000ff size=2>- 3 years penalty for full redemption.</FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>* subjected to <B>1.5% </B>penalty if loan is redeemed during your penalty period.  </FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2></FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2><FONT face=Arial><FONT color=#0000ff size=2>- 1.5% penalty on amount prepaid within 3 years from date of 1st disbursement</FONT></FONT> </FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2></FONT></FONT></FONT></DIV></FONT></FONT></FONT></DIV></DIV></DIV></DIV></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2></FONT><STRONG><U><FONT color=#800080 size=3>Other terms and conditions:</FONT></U></STRONG></FONT></FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2>- 0.4%  of the loan amount as the legal fees subsidy</FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2>* subject to full refund if loan is redeemed within 3 years</FONT></DIV>
<DIV><FONT face=Arial color=#0000ff size=2></FONT></DIV>
<DIV><FONT face=Arial color=#800080><STRONG><U>Other fees to take note:</U></STRONG></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff><FONT size=2>Stamp Duty </FONT></FONT></FONT></DIV>
<DIV><FONT size=2><FONT size=+0><FONT size=+0><FONT face=Arial><FONT color=#0000ff><FONT size=2>Legal Fees</FONT> <FONT size=2>   </FONT></FONT></FONT></FONT></FONT></FONT></DIV>
<DIV><FONT face=Arial><FONT color=#0000ff size=2>* Both fees are payable in CPF / Cash </FONT></FONT></DIV>
<DIV><FONT color=#0000ff size=2></FONT></DIV>
<DIV><FONT color=#0000ff size=2></FONT></DIV>
<DIV>
<P><FONT face="Times New Roman"><B>2. HONG LEONG FINANCE</B><B><o:p></o:p></B></FONT></P>
<P><B>Features<o:p></o:p></B></P>
<UL type=disc>
<LI class=MsoNormal style="MARGIN: 0cm 0cm 0pt; COLOR: black; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt"><B>      </B><B>Loan Quantum</B> <BR>This package is applicable for purchase of HDB residential flats. (Minimum loan of S$60,000) <o:p></o:p></LI>
<UL type=circle>
<LI class=MsoNormal style="MARGIN: 0cm 0cm 0pt; COLOR: black; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level2 lfo1; tab-stops: list 72.0pt">Up to 90% of purchase price or valuation whichever is the lower. <o:p></o:p></LI></UL>
<LI class=MsoNormal style="MARGIN: 0cm 0cm 0pt; COLOR: black; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt"><B>Tenure</B> <BR>Up to 35 years or age 70 of borrower, whichever is earlier. <o:p></o:p></LI>
<LI class=MsoNormal style="MARGIN: 0cm 0cm 0pt; COLOR: black; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt"><B>Attractive Benefits</B> <o:p></o:p></LI>
<UL type=circle>
<LI class=MsoNormal style="MARGIN: 0cm 0cm 0pt; COLOR: black; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level2 lfo1; tab-stops: list 72.0pt">Free fire insurance for first 2 years. <o:p></o:p></LI>
<LI class=MsoNormal style="MARGIN: 0cm 0cm 0pt; COLOR: black; TEXT-ALIGN: left; mso-pagination: widow-orphan; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level2 lfo1; tab-stops: list 72.0pt">Legal cost subsidy of up to 0.4% of approved loan amount or S$1,000 whichever is lower. (Terms and conditions apply<o:p></o:p></LI></UL></UL>
<P><B><o:p><FONT face="Times New Roman"></FONT></o:p></B></P>
<DIV align=center>
<TABLE cellSpacing=0 cellPadding=0 width="90%" border=0>

<TR>
<TD vAlign=top width="5%">
<P align=left><o:p></o:p></P></TD>
<TD vAlign=top width="95%">
<P align=left><B>Interest Rates</B><o:p></o:p></P></TD></TR>
<TR>
<TD vAlign=top>
<P align=left><o:p></o:p></P></TD>
<TD vAlign=top>
<P align=left><BR>
  1. &lt;SCRIPT language=JavaScript src="../../template/rates_hdbhomeloan.js"&gt;<BR><BR>  <BR>&lt;/script&gt;
复制代码
<BR><B>Variable Rate Package</B> <o:p></o:p></P>
<TABLE cellSpacing=0 cellPadding=0 width="95%" border=1>

<TR>
<TD>
<P align=center><o:p></o:p></P></TD>
<TD width=175>
<P align=center><B>80% Financing</B><o:p></o:p></P></TD>
<TD>
<P align=center><B>&gt;80%-90% Financing</B><o:p></o:p></P></TD></TR>
<TR>
<TD width=73>
<P align=center>1st year<o:p></o:p></P></TD>
<TD>
<P align=center>2.70% p.a. (HHR*-0.80%)<o:p></o:p></P></TD>
<TD>
<P align=center>3.45% p.a. (HHR*-0.05%)<o:p></o:p></P></TD></TR>
<TR>
<TD width=73>
<P align=center>2nd year<o:p></o:p></P></TD>
<TD>
<P align=center>3.25% p.a. (HHR*-0.25%)<o:p></o:p></P></TD>
<TD>
<P align=center>4.00% p.a. (HHR*+0.50%)<o:p></o:p></P></TD></TR>
<TR>
<TD width=73>
<P align=center>Thereafter<o:p></o:p></P></TD>
<TD>
<P>3.50% p.a. (HHR*)<o:p></o:p></P></TD>
<TD>
<P align=center>4.50% p.a. (HHR*+1.00%)<o:p></o:p></P></TD></TR></TABLE>
<P align=left><B>2-Year Fixed Rate Package</B> <o:p></o:p></P>
<TABLE cellSpacing=0 cellPadding=0 width="95%" border=1>

<TR>
<TD>
<P align=center><o:p></o:p></P></TD>
<TD width=175>
<P align=center><B>80% Financing</B><o:p></o:p></P></TD>
<TD>
<P align=center><B>&gt;80%-90% Financing</B><o:p></o:p></P></TD></TR>
<TR>
<TD width=73>
<P align=center>1st year<o:p></o:p></P></TD>
<TD>
<P align=center>3.20% p.a. Fixed<o:p></o:p></P></TD>
<TD>
<P align=center>3.90% p.a. Fixed<o:p></o:p></P></TD></TR>
<TR>
<TD width=73>
<P align=center>2nd year<o:p></o:p></P></TD>
<TD>
<P align=center>3.75% p.a. Fixed<o:p></o:p></P></TD>
<TD>
<P align=center>4.50% p.a. Fixed<o:p></o:p></P></TD></TR>
<TR>
<TD width=73>
<P align=center>Thereafter<o:p></o:p></P></TD>
<TD>
<P align=center>3.50% p.a. (HHR*)<o:p></o:p></P></TD>
<TD>
<P align=center>4.50% p.a. (HHR*+1.00%)<o:p></o:p></P></TD></TR></TABLE>
<P align=left>*Our HDB Home Rate (HHR) is 3.50% p.a. <o:p></o:p></P>
<P align=left>Note: Rates and terms quoted are subject to change anytime without prior notice. <o:p></o:p></P></TD></TR>
<TR>
<TD>
<P align=left><o:p></o:p></P></TD>
<TD>
<P align=left><o:p></o:p></P></TD></TR>
<TR>
<TD vAlign=top width="5%">
<P align=left><v:shapetype><v:stroke joinstyle="miter"></v:stroke><v:formulas><v:f eqn="if lineDrawn pixelLineWidth 0"></v:f><v:f eqn="sum @0 1 0"></v:f><v:f eqn="sum 0 0 @1"></v:f><v:f eqn="prod @2 1 2"></v:f><v:f eqn="prod @3 21600 pixelWidth"></v:f><v:f eqn="prod @3 21600 pixelHeight"></v:f><v:f eqn="sum @0 0 1"></v:f><v:f eqn="prod @6 1 2"></v:f><v:f eqn="prod @7 21600 pixelWidth"></v:f><v:f eqn="sum @8 21600 0"></v:f><v:f eqn="prod @7 21600 pixelHeight"></v:f><v:f eqn="sum @10 21600 0"></v:f></v:formulas><v:path gradientshapeok="t" o:extrusionok="f" o:connecttype="rect"></v:path><o:lock v:ext="edit" aspectratio="t"></o:lock></v:shapetype><v:shape><v:imagedata></v:imagedata></v:shape><o:p></o:p></P></TD>
<TD vAlign=top width="95%">
<P align=left><B><FONT size=4>方姐, 请你帮我比较一下,大体上哪个配套比较划算. 十分感谢!!!</FONT></B></P></TD></TR>
<TR>
<TD vAlign=top>
<P align=left><o:p></o:p></P></TD>
<TD vAlign=top>
<P align=left></P></TD></TR>
<TR>
<TD>
<P align=left><o:p></o:p></P></TD>
<TD>
<P align=left><o:p></o:p></P></TD></TR>
<TR>
<TD>
<P align=left><v:shape><v:imagedata></v:imagedata></v:shape><o:p></o:p></P></TD>
<TD>
<P align=left><B></B></P></TD></TR>
<TR>
<TD>
<P align=left><o:p></o:p></P></TD>
<TD>
<P align=left></P></TD></TR></TABLE></DIV></DIV>
<DIV></DIV>
<P>
<DIV></DIV>
<p>银行可不是傻瓜，我个人认为没有哪个配套比较好，也没有哪个不好，只能说那个配套比较适合你。
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发表于 12-1-2006 23:34:00|来自：新加坡 | 显示全部楼层
<P>想买99年的公寓.靠MRT,价格在30-35万的,有可能吗?有好中介介绍吗,万分感谢.</P>
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发表于 13-1-2006 10:16:00|来自：新加坡 | 显示全部楼层
这个价钱买公寓好象太低了一点．很老旧的也许有可能，也要慢慢找啊！因为问中介的人太多了，我在前几天给过大家二位陈小姐的电话，你到前面的帖子里面去翻看吧．
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