【房屋】免费咨询租房/买房/卖房/出租/房款等各种问题

ntublade

<p>all the bank is about the same , the compound interest is very killing , i have a few customer [ professional]&nbsp;choose citi bank for the [home saver plan] and they mention to me this plan is very good , as along the way,&nbsp;a lot money will be save and the money&nbsp; will not be lock inside.</p><p>the home saver plan work this work:-</p><p>1. when u take loan from citi bank , say 200k @ 4%</p><p>2. the bank will give u a account and u can put money inside and they will give u a saving interest rate of 4%</p><p>3. if let say u have 100k floating cash , u can put in this saving account , as and when u need cash , u can just with draw [ so the money is not lock in the hse , compare with other bank, once u put in cannot with draw ]</p><p>interest to know more , it better to get the citi-banker to explain to u. those need cit-banker nos just PM me.</p><p>only disadvantage:</p><p>&nbsp;the fire insurance is a bit high , around $130++ per year, [ compare to other , a few ten $] and the legal fee is around 2k-2.2k + gst

</p><p>终于跟完这个贴了。很感谢楼主事无巨细的解答。因为最近正好在看房想买房，看了楼主的帖获益不小。这里我也有个问题想问问michael。</p><p>我太太和我都是PR。现在我太太在一家新加坡公司的上海分公司工作，平时大多在上海，偶尔会回新加坡小住。象我们这样的情况买resale HDB，房贷由我一个人负担会有什么问题吗？因为我看到有MOP这个要求，如果我们买房以后只有我一个人常住，算不算满足MOP的要求？</p><p>还有我看到你所说的citibank的home saver plan感觉很不错，可不可PM我citibanker的联系方式。谢谢了。</p>

miomio

<p>楼主好，推荐个banker给我吧，我要去拿评估贷款能力的信。还有找人帮我算算贷款90%，200k左右房子的费用。谢谢pm我</p>

michael8330

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>麦兜的故事</i>在2007-5-30 0:38:00的发言：</b><br/><p>Thanks a lot!!</p><p>Pls email me when you are ready to show it to me!</p><p>Have a nice day!</p></div><p>once the paper work is ready , will PM u.</p><p></p>

michael8330

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>yenfong</i>在2007-5-30 15:54:00的发言：</b><br/>想请问一下，比如说:<br/>某某房子的估价是$260k, 屋主要加$10k.<br/>关于ＳＴＡＭＰ ＤＵＴＹ，头$180,000 x 1%, 第二个180,000 x 2%.<br/>那是依照估价$260k还是卖主出的价钱$270k?</div><p>卖主出的价钱$270k.</p><p>$3600 for this case</p>

michael8330

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>zack</i>在2007-6-3 8:30:00的发言：</b><br/>Hi Michael,<br/><br/>我最近在一个agent的帮助下找房子，他也已经带我看了大概七八间了，还没有满意的。 由于这个agent做part-time，他自己的工作也比较忙。所以有些时候我自己也从报纸上找信息，然后联系sale agent 约定时间. 假如最后是我自己通过联系找到自己满意的房子的话，我还要不要给agent fee? 如果要给的话，给我的这个 agent 还是 sale agent? 谢先！<br/><br/><br/><br/><br/></div><p></p><p>to the sale agent, the one which close the deal for u.</p>

michael8330

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>ntublade</i>在2007-6-4 17:14:00的发言：</b><br/><div class="msgheader">QUOTE:</div><div class="msgborder"><p>all the bank is about the same , the compound interest is very killing , i have a few customer [ professional]&nbsp;choose citi bank for the [home saver plan] and they mention to me this plan is very good , as along the way,&nbsp;a lot money will be save and the money&nbsp; will not be lock inside.</p><p>the home saver plan work this work:-</p><p>1. when u take loan from citi bank , say 200k @ 4%</p><p>2. the bank will give u a account and u can put money inside and they will give u a saving interest rate of 4%</p><p>3. if let say u have 100k floating cash , u can put in this saving account , as and when u need cash , u can just with draw [ so the money is not lock in the hse , compare with other bank, once u put in cannot with draw ]</p><p>interest to know more , it better to get the citi-banker to explain to u. those need cit-banker nos just PM me.</p><p>only disadvantage:</p><p>&nbsp;the fire insurance is a bit high , around $130++ per year, [ compare to other , a few ten $] and the legal fee is around 2k-2.2k + gst</p></div><p></p><p>终于跟完这个贴了。很感谢楼主事无巨细的解答。因为最近正好在看房想买房，看了楼主的帖获益不小。这里我也有个问题想问问michael。</p><p>我太太和我都是PR。现在我太太在一家新加坡公司的上海分公司工作，平时大多在上海，偶尔会回新加坡小住。象我们这样的情况买resale HDB，房贷由我一个人负担会有什么问题吗？因为我看到有MOP这个要求，如果我们买房以后只有我一个人常住，算不算满足MOP的要求？</p><p>还有我看到你所说的citibank的home saver plan感觉很不错，可不可PM我citibanker的联系方式。谢谢了。</p></div><p>贷由我一个人负担会有什么问题吗</p><p>no problem. as long as u can afford.</p><p>as long as u did not get approval for rental out the whole unit , it will still consider owner staying.</p><p>waiting until u buy a flat ,&nbsp;give me a PM i will sent u the nos.&nbsp;</p>

michael8330

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>miomio</i>在2007-6-7 19:37:00的发言：</b><br/><p>楼主好，推荐个banker给我吧，我要去拿评估贷款能力的信。还有找人帮我算算贷款90%，200k左右房子的费用。谢谢pm我</p></div><p>i will sent the banker contact to u thru PM.</p>

ztycx

hi michael,<br/><br/>have you checked your message box here? i tried to contact you twice by PM. <br/><br/>i plan to buy a hdb resale flat, and thought you could be my agent. <br/><br/>plez leave me your contact no. to [email protected]<br/>

nicole1973

<p>请教你。。。</p><p>我是跟孩子联名买的房，我小孩才八岁。。。另外，我们都是pr,我跟前夫离婚，新加坡没有任何其他的亲戚。。。</p><p>想请问。。。如果联名的其中一方发生任何意外，那另一方仍然可以保留房子吗？</p><p>因为我完全没有任何亲戚可以填补这个名额。。。。。而我小孩又未成年，虽然我留给他的保险金足够付清所有贷款。。。。但还是很担心政府会收回房子。。。。</p>

ntublade

<br/><p>贷由我一个人负担会有什么问题吗</p><p>no problem. as long as u can afford.</p><p>as long as u did not get approval for rental out the whole unit , it will still consider owner staying.</p>waiting until u buy a flat ,&#160;give me a PM i will sent u the nos.

<br/><br/>谢谢Michael的解答。我已经在Boon Lay附近看好了一套房子，已经付了订金了。不过因为我上个月刚换工作，citibank贷款in-principal approval没有批下来。现在只好拿DBS的贷款了。还是要谢谢楼主，跟这个帖子一直下来，我也学到了不少东西，对我买房很有帮助。希望楼主再接再励继续帮助那些还在或者将要买房的朋友。<br/>