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kuanfai · 发表于 22-11-2006 13:19:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用michael8330在2006-11-22 12:41:00的发言： u still have a Tenancy Agreement with JTC, it will have an expiry date, by right they will chase out the tenant to prepare the sale , since u already stay inside u can high light this matter with them. and inform that u don't mind to pay the rental until completion.</div>Yes, we have a tenancy agreement with JTC which is 2 years - still far from it. Thanks for your remind. By the way, would you mind to give some information on reputable contractors? We might have to renovate the house later on. I guess 10K should be enough for a 3-room flat, right?

michael8330 · 发表于 22-11-2006 13:43:00|来自：新加坡

本帖最后由 michael8330 于 6-1-2010 22:33 编辑

QUOTE: 以下是引用 kuanfai 在2006-11-22 13:19:00的发言：

Yes, we have a tenancy agreement with JTC which is 2 years - still far from it. Thanks for your remind. By the way, would you mind to give some information on reputable contractors? We might have to renovate the house later on. I guess 10K should be enough for a 3-room flat, right?

wait till u need then u ask me again. at least still have 3 more month to go. now i give u u will lost the nos also

[此贴子已经被作者于2006-11-22 13:44:34编辑过]

aoting · 发表于 22-11-2006 20:56:00|来自：新加坡

Michael ，我想请问下边几个关于买房子的问题1) 夫妻2人，一个是SC,一个是PR, 房子必须是夫妻两个联名买么? 还是以其中一人的名义买就可以.2) 如果必须2人联名才可以买房子，那么是必须夫妻联名么，还是跟其他亲属也可以.   比如，我(SC)是否可以跟我母亲联名买一套房子(我母亲不是PR/SC).3) 如果我可以跟我母亲联名买房子，那么我老婆(PR)是否还可以跟她的父母其中一位联名再买一套？4) 如果 2，3都不成立，必须夫妻联名才可以买房子的情况下.因为我是SC，我将来可能会给我母亲   申请PR, 那么她如果拿到PR之后，可以用她自己的名义再买一套房子么？抱歉，可能有点复杂，麻烦帮忙解答.

漫风 · 发表于 23-11-2006 08:37:00|来自：新加坡

Hi Michael,Good morning I have some questions to consult you: Just check HDB web site, found some condition apply when you purchase EC. But I am not sure whether those conditions are for new EC or for resale EC as well.These conditions apply after the purchase of a EC: <ul><li>After taking possession of the EC unit, you will have to dispose of your HDB flat within six months from the date of issuance of the Temporary Occupation Permit (TOP) for the EC unit where the TOP has not been issued, or the date of the Developer's Notice of Vacant Possession of the EC unit where the TOP has been issued. </li><li>You and your spouses will no longer qualify to buy a flat direct from HDB. </li><li>Occupiers who are essential in the forming of a family nucleus with you in the EC application will not be allowed for five years, to make a separate application, or to be listed as occupiers in another application to purchase an HDB flat or another EC. </li><li>You can sell the EC unit in the open market after meeting the 5-year occupation period.</li></ul>Thanks

michael8330 · 发表于 23-11-2006 07:38:00|来自：新加坡

本帖最后由 michael8330 于 6-1-2010 22:37 编辑

QUOTE: 以下是引用 aoting 在2006-11-22 20:56:00的发言：

Michael ，我想请问下边几个关于买房子的问题

1) 夫妻2人，一个是SC,一个是PR, 房子必须是夫妻两个联名买么? 还是以其中一人的名义买就可以.

2) 如果必须2人联名才可以买房子，那么是必须夫妻联名么，还是跟其他亲属也可以.

  比如，我(SC)是否可以跟我母亲联名买一套房子(我母亲不是PR/SC).

3) 如果我可以跟我母亲联名买房子，那么我老婆(PR)是否还可以跟她的父母其中一位联名再买一套？

4) 如果 2，3都不成立，必须夫妻联名才可以买房子的情况下.因为我是SC，我将来可能会给我母亲
  申请PR, 那么她如果拿到PR之后，可以用她自己的名义再买一套房子么？

抱歉，可能有点复杂，麻烦帮忙解答.

1) 夫妻2人，一个是SC,一个是PR, 房子必须是夫妻两个联名买么? 还是以其中一人的名义买就可以.

夫妻两个联名买, one can become occupier , but both name must be in the same hse.

2) 如果必须2人联名才可以买房子，那么是必须夫妻联名么，还是跟其他亲属也可以.

as long as u are married status , yr wife/spouse name will follow u, the rest of the family member can add into the hse as lessee or occupiers .

比如，我(SC)是否可以跟我母亲联名买一套房子(我母亲不是PR/SC).

this is under another scheme, provide u are not married and have sibling

3) 如果我可以跟我母亲联名买房子，那么我老婆(PR)是否还可以跟她的父母其中一位联名再买一套？

不可以

>4) 如果 2，3都不成立，必须夫妻联名才可以买房子的情况下.因为我是SC，我将来可能会给我母亲申请PR, 那么她如果拿到PR之后，可以用她自己的名义再买一套房子么？

after she have apply PR, she can joint name with other brother/sister or yr father to buy another hse(provide all minimum have PR), BUT if one person only  maybe she can go and buy executive condo.

after she become SC , the she can apply under single citizen scheme, take note : must above 35 year old and also becareful of the household income (above 3k and buying exec. flat can only apply loan from the bank ) if no income no bank will lend her money.

michael8330 · 发表于 23-11-2006 17:07:00|来自：新加坡

本帖最后由 michael8330 于 6-1-2010 22:41 编辑

QUOTE: 以下是引用漫风在2006-11-23 8:37:00的发言：

Hi Michael, Good morning

I have some questions to consult you:
Just check HDB web site, found some condition apply when you purchase EC. But I am not sure whether those conditions are for new EC or for resale EC as well.

These conditions apply after the purchase of a EC:
After taking possession of the EC unit, you will have to dispose of your HDB flat within six months from the date of issuance of the Temporary Occupation Permit (TOP) for the EC unit where the TOP has not been issued, or the date of the Developer's Notice of Vacant Possession of the EC unit where the TOP has been issued.
You and your spouses will no longer qualify to buy a flat direct from HDB.
Occupiers who are essential in the forming of a family nucleus with you in the EC application will not be allowed for five years, to make a separate application, or to be listed as occupiers in another application to purchase an HDB flat or another EC.
You can sell the EC unit in the open market after meeting the 5-year occupation period.

the T & C only applicable to new EC. so if u buy resale EC this will not affect u.
1. u can keep yr hdb flat if u want to.
2. once u sell the EC after 30 month , u can buy directly after the hdb provided u meet other T& C.
3. no applicable
4. u can sell immediately, but take note only after 10 year than u can sell to foreigner.

osok · 发表于 24-11-2006 01:07:00|来自：新加坡

Michael,现在posb出拉一个浮动的贷款计划<a href="http://www.dbs.com/posb/loans/homeideal/">http://www.dbs.com/posb/loans/homeideal/</a>不知道好不好？可以给点建议吗？万分感谢！

michael8330 · 发表于 24-11-2006 07:58:00|来自：新加坡

本帖最后由 michael8330 于 6-1-2010 22:42 编辑

QUOTE: 以下是引用 osok 在2006-11-24 1:07:00的发言：

Michael,现在posb出拉一个浮动的贷款计划

http://www.dbs.com/posb/loans/homeideal/

不知道好不好？可以给点建议吗？万分感谢！

this promotion is just out last wednesday, so far so good as cpf rate had not been change since 99 (2.5%), and it maynot be change for the next few year, but no body know.

today newspaper have some news regard interest rate , this may help u to decide faster.

if u have some floating cash( spare money about 50k-100k, for business use) , i know there is bank offer $ to $ interest rate peg with the housing loan, there mean u get hse loan from them, u place a deposit(50K) with them, the interest rate of 50K will be the same as your housing loan interest rate. this is good for those ppls with cash for business use.can get one banker to explain to u for either package.

jfxu · 发表于 24-11-2006 11:10:00|来自：新加坡

Micheal，谢谢你的答复。我讲的是WOODLANDS，ADMIRALTY 和SMBAWANG 附近。屋主开价都在估价上加10~20K，这种情况，价格在估价附近买到的可能性大吗？谢谢！

michael8330 · 发表于 24-11-2006 11:25:00|来自：新加坡

本帖最后由 michael8330 于 6-1-2010 22:46 编辑

QUOTE: 以下是引用 jfxu 在2006-11-24 11:10:00的发言：

Micheal，谢谢你的答复。

我讲的是WOODLANDS，ADMIRALTY 和SMBAWANG 附近。

屋主开价都在估价上加10~20K，这种情况，价格在估价附近买到的可能性大吗？

谢谢！

those near to MRT is a bit higher , high floor and renovation is a important factor also.

it depend a little bit on neg. skills also.

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