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michael8330 · 发表于 20-5-2007 13:10:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用oko在2007-5-17 10:59:00的发言： <a name="OLE_LINK2"></a><a name="OLE_LINK1">谢谢楼主的贴子受教了。</a>      可以请教一个复杂的问题吗?      1) 本人婚前曾与同是PR的姐姐联名买了二手组屋居住。之后姐姐出国读书，如今拿到海外PR，并有意申请第三国公民。届时，如果万一她新加坡PR5年到期续签不成功，我们是否要被迫卖掉这个单位？      2）我本人目前的情况是已婚，已加入新加坡公民，两个孩子也是公民。先生孩子同住这间组屋（婚后没有另买屋子，但房子名下并没有加先生的名字。先生仍是PR，因为个人原因，不想申请公民）。父母持长期社交准证。如果到时先生选择不加入，我把父母加到房子owner list里，是不是就可以不用卖了？      3）我们的梦想是保住这间组屋（因为地点好，出租非常容易，租金也高，舍不得卖），近期还考虑去买一套私人组屋或二手exe condo（好像如果要买新的exe condo，就一定要卖组屋是吗？）。   4）我自己名下如果多一间公寓，是否就不能再享受政府给予组屋的各种补贴了？      请大师看看，在这么多限制条件下，我的一套组屋+一套公寓的计划是否可行？毕竟这年头养儿防老，不如养房防老。我写得很乱，如果有发白日梦或想法有错的地方，麻烦您纠正一下，给些意见。谢了。</div>1) yes, but u can buy-over her share at a price agreed by both parties.2) yes, anyway u husband have to be in the occupier since u are married,  but u still need to buy over her share to avoid future problem.3) yes4) yes.u basically have all the answers,  u have do a lot of home work.[em07]

[此贴子已经被作者于2007-5-21 9:48:01编辑过]

michael8330 · 发表于 20-5-2007 13:11:00|来自：新加坡

now the market is very hot so i have less and les time to pop into this forum, i hope forummers give me some time to answer all the queries. i will try my very best to answer asap.

[此贴子已经被作者于2007-5-21 9:48:37编辑过]

oko · 发表于 20-5-2007 23:59:00|来自：新加坡

Thank you very much for the reply. That's truely helpful for me. Actually, there is nothing to buy over from my sister. As when we bought this HDB, I basically was the only one putting down the downpayment, paying off other fees and monthly installments till now. She just borrowed her name to let me buy the unit before she left Singapore, so that I could save the rental and have an place of my own to stay, no need to wait till 35 years old. 1) In this case, any other legal process involved if we both agree to add my hubbie as occupier in future? Do we need to hire a lawyer to process this or HDB will automatically send us a letter, asking us to come down to office and settle the documents? Just to confirm my understanding, according to your reply earlier on: 2) In any case my sister loses her PR, I just need to add my husband as occupier (if not as the owner), to retain the HDB unit, right? 3) In order to enjoy the future HDB-related benefits, can we only use my husband's name to buy a private condo (meaning in this case, under my name, only 1 HDB unit, no Condo; while under my husband's name, only 1 condo, no HDB to his ownership)? Does it work this way? Thanks again for your time and kind assistance.

michael8330 · 发表于 21-5-2007 09:53:00|来自：新加坡

本帖最后由 michael8330 于 8-1-2010 00:08 编辑

以下是引用 oko 在2007-5-20 23:59:00的发言：

Thank you very much for the reply. That's truely helpful for me. Actually, there is nothing to buy over from my sister. As when we bought this HDB, I basically was the only one putting down the downpayment, paying off other fees and monthly installments till now. She just borrowed her name to let me buy the unit before she left Singapore, so that I could save the rental and have an place of my own to stay, no need to wait till 35 years old.

1) In this case, any other legal process involved if we both agree to add my hubbie as occupier in future? Do we need to hire a lawyer to process this or HDB will automatically send us a letter, asking us to come down to office and settle the documents? Just to confirm my understanding, according to your reply earlier on:

2) In any case my sister loses her PR, I just need to add my husband as occupier (if not as the owner), to retain the HDB unit, right? 3) In order to enjoy the future HDB-related benefits, can we only use my husband's name to buy a private condo (meaning in this case, under my name, only 1 HDB unit, no Condo; while under my husband's name, only 1 condo, no HDB to his ownership)? Does it work this way?

Thanks again for your time and kind assistance.

1. just need to go to yr branch office and tell them u have get married and would like to add occupier, they will do for u, as for delete yr sister's name also go to branch office but if she use cpf to services the hse, u need to repay her back , and the BO will arrange for u (they will do every thing perharp u have to re-arrange for loan and pay legal fee and stamp duty etc , it may take up to 3 month to complete the whole process)

2. yes.

3. no, it will not work. (husband and wife = to one family)

麦兜的故事 · 发表于 22-5-2007 00:46:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用michael8330在2007-5-20 13:00:00的发言： seng kang still have some cheap unit , just be patient and see around, my agent just sold one unit above 8K , (4 rm corner , 16 floor) and i will have one unit coming out soon on (blk 303C 14th floor corridor unit , may only ask around 10k and below)  </div>i am looking for a unit at Sengkang too. And I also have the same problem. I called lots of agents. But they can not give me even one unit to view. My budget is 230k including around 10k cash. 4rm, high floor. near LRT or MRT. Is this impossible? why do they can not find some units like this?One of the agent asked me whether I agree the agent fee which is 1% of pruchase price. I thought the agent fee should be same. Is there difference?I am interesting in your BLK303c 14th floor, Can you contact me at <a href="mailto:[email protected]">[email protected]</a> ? thanks

yenfong · 发表于 22-5-2007 12:50:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用michael8330在2007-5-20 12:55:00的发言： personal opinion i will stay at the sideline and see for another 3-6 months , for the past few month the price have jack up a lot. even it want to go up it will be very slight. </div>Thanks Michael, Will stock Market will affect Properties Market if stock market down?

[此贴子已经被作者于2007-5-22 12:54:36编辑过]

yenfong · 发表于 22-5-2007 12:53:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用michael8330在2007-5-20 12:55:00的发言： personal opinion i will stay at the sideline and see for another 3-6 months , for the past few month the price have jack up a lot. even it want to go up it will be very slight. </div>Thanks Michael, I know when we buy HDB, we can use Cash and CPF.For the Cash portion:1)5% of HDB vaulation price2)Cash above vaulation price seller ask3)HDB registration fee4)Agent Fee (1% +GST)5)duty/stamp/lawyer fee?6)Others??Is any above can use NETs  instead of Cash?Thanks

[此贴子已经被作者于2007-5-23 13:35:49编辑过]

oko · 发表于 23-5-2007 10:16:00|来自：新加坡

Thank you so much for the info. By the way, if I buy a condo or EC, do I still get to enjoy the concessionary 2.6% house loan rate from HDB for my current HDB?

gly1983win · 发表于 23-5-2007 11:39:00|来自：新加坡

请问楼主：我和我老婆都是PR,看中了JURONG WEST的一套4房组屋，估价是255K，加cash8000。我叫DBS的banker帮我评估了下，他建议我们付10%的首期，分35年还，利息是4%，每个月大概还1120。那么35年下来一共要还470K，我觉得太夸张了，不知道4%的利息是怎么样计算得到470K的？请楼主帮我解答楼主有什么好的银行可以介绍吗？谢谢！

ien0291231 · 发表于 25-5-2007 07:59:00|来自：新加坡

请教楼主我有一笔资金将从国外汇至新加坡，但是需要支付一笔数目不小的汇费，现在身边暂时没有足够的现金，请问有没有办法申请到类似问题的贷款来支付这笔汇费，本人是S-Pass holder,在新加坡已经工作半年，

[此贴子已经被作者于2007-5-25 8:01:30编辑过]

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