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michael8330 · 发表于 18-3-2007 11:08:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用zagzzig在2007-3-13 14:37:00的发言： Michael, 你好。问一个有点特别的问题。 我是公民，拥有一套直接从HDB购买的新组屋（第一次购买）。05年购买，到现在为止未满三年。 我打算近期移民澳洲，也许在几年后会拿澳洲护照，放弃新加坡护照（如果不得不的话）。 问题是在放弃新加坡护照的情况下： 1。我在新加坡的组屋怎么办？我想如果我不再是公民，组屋必须得卖掉。但是如果不满五年，HDB会怎样处理？允许我在公开市场出售还是低价强制买回？有无惩罚措施？ 2。在我还持有新加坡护照的情况下，如果我将组屋一直空着（我一家人都在澳洲），2010年的时候我可以卖吗？或者说，这样我就满足五年要求了吗？ 我在HDB网站查了很久，也没有找到相应的信息。请问你有没有听说过类似的case？</div>in normal case:- 1. 如果不满五年, hdb will 强制买回( in the event , around 4-4.5 year still can appeal). 或者说，这样我就满足五年要求了吗 ( NO, it must be physically occupy the unit for 5 year and no own for 5 year)  2.  as long as u did not get approval for renting out , it should be ok to sell in open market after 5 year. do a check with branch office after 5 year by submit a [eligibility for resell in open market] can down load or submit thru internet. now a day the rule will change and change , don't worry to much.give up PR status, i do before , but give up SC , i have not do before [em04]

michael8330 · 发表于 18-3-2007 11:28:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用知足常乐人在2007-3-13 23:47:00的发言： 恳请楼主帮忙我做个分析，给拿个主意吧．我们五年前购买了新加坡最大型的组屋，共有四室两厅，一百四十多平米．本以为可以把父母接来同住的，但后来父母觉得年事已高，不愿来新加坡长住，所以一直以来这房子基本就我们一家三口居住．屋子的贷款是跟星展银行借的．现在我们入了新加坡籍，想跟政府购买新组屋．以便于享受政府给予公民的优惠贷款利率．但问题是，我们现住的组屋屋价这几年来一直在跌．（当初我们的购买价是四十四万，现在的转售价却只在三十八万左右）．同时政府的新组屋目前价格却很高．四房五房的面积在九十多平米到一百一平米之间的，售价要在三十多万至四十一万之间．我们现在很矛盾，是以三十多万的价卖掉现住的一百四十多平米的房子，花四十万去购买一百平米左右的新组屋，再另外花钱装修购买家私电器呢，还是说再等两年．看看组屋的转售价能否提升，再做决定呢．以楼主的经验所看，大型组屋的转售价会否在这两年内有所提升呢．另外如果组屋二手市场的转售价提高了，那政府手头上的一手市场是否也会提升售价呢．盼望楼主能在百忙中抽时间帮我做个分析吧，我先谢过了．</div>u sell cheap , u buy cheap, when the price is moving up , it good to do down-grade(mean from pte condo to hdb flat or big hdb flat to small hdb flat) , when the price is moving down , it good to do upgrade ( from small hdb flat to big hdb flat or hdb to pte) . when the price go up further, then the direct flat from the hdb will have to queue longer ( in history , the longer time to wait was 5-7 year) , now singapore market have more or less mature , the price will not shot-up like a ' V ' or drop like a ' I ' , the gov. will put in proper rule to ensure it. more important is u will need a roof for yr family , as long as u are happy with the current flat, just stay put, when u got spare money just invest another unit , i have see people move hse due to no $$$, change job, change location due to school or near to relatives, but seldom see ppls change hse due to want to enjoy the subsidy rate. evert time u move hse ,u need a lot of time ( view hse, renovate hse , stamp duty, legal fee etc)u have to ask yrself are u happy with the current hse, if u are , then just carry on stay within. if not then move lor.

[此贴子已经被作者于2007-3-18 11:34:51编辑过]

michael8330 · 发表于 18-3-2007 11:29:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用birdhugecn在2007-3-14 21:28:00的发言： I am urgently looking for housing loan banker, can pls recommend one from OCBC/UOB. Thanks. My contact number is

. </div>i have get the uob banker to call u.

michael8330 · 发表于 18-3-2007 11:32:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用顺其自燃在2007-3-16 2:35:00的发言： Hi, michael,     你好。看过多次这个帖子，受益非浅。非常感谢！     有两个问题请教     1，   现在买个旧组屋，如果重建时薪水超过8K，还有权再买组屋吗？如果可以还能得到政府的补贴吗？     2，现在重建的组屋通常都多于所需要的。多出的部分政府会放到公开市场出售。请问这部分在公开市场出售的组屋是别人跳剩下来的还是政府预留出来的？        另外，恐怕很难买到合适的新组屋，正考虑尽快买一个旧的。你愿意帮我吗？   我的电话是

。非常感谢！     </div>1. the rule is up to S$8k, any thing more have to write in and appeal.2.  别人跳剩下来 and part of those units was those ppls pre-select and give up due to other reasons.thank for yr trust.[em10]

[此贴子已经被作者于2007-3-18 11:32:44编辑过]

逍遥居士 · 发表于 18-3-2007 19:40:00|来自：新加坡

Hi Michael,请问夫妇两个一个是新加坡公民，另一个是S'PR，购买了一套HDB组屋。3年后，持有S'PR的一方因回国工作，RE-ENTRY PERMIT到期后，没有更新，如此面临所谓S'PR没有RENEW的问题，也担心RENEW不成功。现在的问题是，若PR真的没有申请成功，他们所拥有的组屋，是否会被强行收回？谢谢！[em07][em07]

zagzzig · 发表于 19-3-2007 13:29:00|来自：新加坡

以下是引用[I]michael8330[/I]在2007-3-18 11:08:00的发言： in normal case:- 1. 如果不满五年, hdb will 强制买回( in the event , around 4-4.5 year still can appeal). 或者说，这样我就满足五年要求了吗 ( NO, it must be physically occupy the unit for 5 year and no own for 5 year) 2. as long as u did not get approval for renting out , it should be ok to sell in open market after 5 year. do a check with branch office after 5 year by submit a [eligibility for resell in open market] can down load or submit thru internet. now a day the rule will change and change , don't worry to much.give up PR status, i do before , but give up SC , i have not do before [em04]

非常感谢你的回答。？

[此贴子已经被作者于2007-3-20 17:51:12编辑过]

michael8330 · 发表于 20-3-2007 09:54:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用逍遥居士在2007-3-18 19:40:00的发言： Hi Michael,请问夫妇两个一个是新加坡公民，另一个是S'PR，购买了一套HDB组屋。3年后，持有S'PR的一方因回国工作，RE-ENTRY PERMIT到期后，没有更新，如此面临所谓S'PR没有RENEW的问题，也担心RENEW不成功。现在的问题是，若PR真的没有申请成功，他们所拥有的组屋，是否会被强行收回？谢谢！[em07][em07]</div>in theory, if u did not meet the MOP , the hdb will not approve the resell application and will 'force purchase ' at the price determine by the board ,when yr eligibility to keep the hse have invalid, depend on which scheme u have use when u purchase.i have see a lot of families due to died of spouse and have lost the eligibility to keep the hse , but the board also close one eye.(but not for divource case)in this case , do the couple have any kid in singapore holding SPR? if yes, then should not have any problem. if no, then a bit risky. may have to see MP to solve this issue.Minimum Occupation Period (MOP) HDB flat owners must have physically occupied their flats for a period of time, referred to as Minimum Occupation Period - MOP, before they are eligible to sell it on the open market. The period will depend on the mode of purchase, the mode of financing and the flat type. If the flat owners have sublet the whole flat, the period of subletting will not be included in the computation of MOP.

[此贴子已经被作者于2007-3-20 9:56:08编辑过]

michael8330 · 发表于 20-3-2007 10:01:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用zagzzig在2007-3-19 13:29:00的发言： <div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用[I]michael8330[/I]在2007-3-18 11:08:00的发言： in normal case:- 1. 如果不满五年, hdb will 强制买回( in the event , around 4-4.5 year still can appeal). 或者说，这样我就满足五年要求了吗 ( NO, it must be physically occupy the unit for 5 year and no own for 5 year) 2. as long as u did not get approval for renting out , it should be ok to sell in open market after 5 year. do a check with branch office after 5 year by submit a [eligibility for resell in open market] can down load or submit thru internet. now a day the rule will change and change , don't worry to much.give up PR status, i do before , but give up SC , i have not do before [em04]</div>非常感谢你的回答。？ </div>不要害我[em07]

level10 · 发表于 20-3-2007 16:10:00|来自：新加坡

Hi Michael,谢谢你提供这么多有用信息！我和女友想买房投资。请问如果买resale HDB的话，需要等多久可以再出租？需要HDB的Approval吗？如果委托中介出租的话需要多少手续费？

ying422 · 发表于 20-3-2007 16:31:00|来自：新加坡

hi.Michael.If SC and PR want to buy a resale house,which part of the below fees can pay by CPF?1)HDB stamp fees (depends on buying price) 2)lawyer fee = S$ 1800(is this same for SC+PR and PR+PR) 3)bank loan stamp fee = S$5004) agent fee = 1% give to buyer agent 5)Submission fee of $80Thanks[em04]

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