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askforhelp · 发表于 7-8-2007 18:10:00|来自：北京顺义

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用michael8330在2007-8-7 15:18:00的发言： 1.grant yes provided u meet other condition, within six month have to sell.  2. refer to qn 1.3. up to 90% [allow by law] , but in normal cases, for foreigners the bank will do it for 70% of purchase price.</div>Hi Michael,Thanks for your prompt reply. However I still have some confusion about your answer for Point 2:Does that mean even I purchase re-sale EC (not a new EC), I still need to force sale my existing HDB flat within six month? I thought a resale EC is deemed as pte condo, and thus no need to force sale the HDB flat. Am I misunderstanding?Pls correct me if anything wrong. thanks

michael8330 · 发表于 7-8-2007 15:18:00|来自：北京顺义

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用askforhelp在2007-8-7 14:26:00的发言： Thanks a lot for ur detailed reply. I still have some further questions need to get confirmed. Many many thanks in advance....If I buy a 4-room HDB with my mother (ltsvp) from resale market without getting housing grant (as now I below age of 35), then after several year when I reach 35....1) If I buy a new EC, I am entitled for the housing grant but I must sale my existing 4-room HDB within a period. Is it so?2) If I buy a resale EC, I can't get housing grant and I don't need to force sale my existing 4-room flat, which means I can hold two flat at same time. Am I correct? So in this case, can I still enjoy HDB borrowing rate (2.60%) for my existing 4-room flat? Or I have to re-finance it with bank as now I own a EC, not qualified for HDB loan any more?3) If my boy friend (as perious post mentioned, a foreigner with stable income overseas) decide to buy a resale EC, what is the maximum proportion of the EC value he can get loan for (assume his monthly gross income allows)?Can you leave ur contact to me? I am going to buy HDB flat and would like to invite you to be my property agent.  </div>1.grant yes provided u meet other condition, within six month have to sell.  2. refer to qn 1.3. up to 90% [allow by law] , but in normal cases, for foreigners the bank will do it for 70% of purchase price.

askforhelp · 发表于 7-8-2007 14:26:00|来自：北京顺义

Thanks a lot for ur detailed reply. I still have some further questions need to get confirmed. Many many thanks in advance....If I buy a 4-room HDB with my mother (ltsvp) from resale market without getting housing grant (as now I below age of 35), then after several year when I reach 35....1) If I buy a new EC, I am entitled for the housing grant but I must sale my existing 4-room HDB within a period. Is it so?2) If I buy a resale EC, I can't get housing grant and I don't need to force sale my existing 4-room flat, which means I can hold two flat at same time. Am I correct? So in this case, can I still enjoy HDB borrowing rate (2.60%) for my existing 4-room flat? Or I have to re-finance it with bank as now I own a EC, not qualified for HDB loan any more?3) If my boy friend (as perious post mentioned, a foreigner with stable income overseas) decide to buy a resale EC, what is the maximum proportion of the EC value he can get loan for (assume his monthly gross income allows)?Can you leave ur contact to me? I am going to buy HDB flat and would like to invite you to be my property agent.

[此贴子已经被作者于2007-8-7 14:39:36编辑过]

michael8330 · 发表于 10-8-2007 11:28:00|来自：北京顺义

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用yes-or-no在2007-8-9 17:52:00的发言： <div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用[I]michael8330[/I]在2007-8-9 15:48:00的发言： have u buy yr 4 rm flat more than 3 year?if yes, u should be able to get approval to rent yr hdb flat and stay in yr EC.1. as long as the tenant don't make too much noise and get complaint from the neighbours, hdb is not so free come and knock door. [u can rent out 2 rooms to 2 tenant and go back to yr hdb on and off to do washing cloth or cook simple meals, hdb rule:- u must physical occupy hdb flat]2. the penalty, for first timer , warning or 150% for the monthly rental or re-possession the flat[ illegal activity found inside the hse, gamble, brothel, and other]3.after set aside of minimum sum of $47,300 [it will increase every year , check with cpf for the actual amount] u can use cpf to services the loan.</div>Thanks a lot for your information. Yes. I have already stayed in the 4-Room flat for more than 3 years. However I am told by the HDB officer that only after I have completed the MOP of the 4-room flat, I am allowed to buy the resale EC but I must stay in my 4-room flat. I believe maybe the actual practice is not as strict as the official regulation. Even though I own a resale EC, can I still get approval from HDB for renting out my 4-room flat if the MOP has been met? Maybe I can argue that I rent out both and stay with my relatives [em04]. Thanks and very appreciated if you could give me some hinds on actual practice regarding below mentioned </div>1. sorry , i have forget about the MOP. anyway , after u completed yr MOP[5 year- direct purchase or take house grant] u can buy EC and lease out the 4rm hdb flat.Thanks and very appreciated if you could give me some hinds on actual practice regarding below mentioned?????

[此贴子已经被作者于2007-8-10 11:39:22编辑过]

michael8330 · 发表于 10-8-2007 11:36:00|来自：北京顺义

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用mangosteen在2007-8-10 0:07:00的发言： 请教楼主一个问题：我们在JURONG WEST 看了一套房子，是翻新过的，可是翻新费还没交，HDB网站公布这一带的组屋翻新费是10月20号BILLING.那我们现在定下买房子的话，还是房东付费。请问HDB的消息是准确的吗？可能延误的可能性大吗？</div>normally , we will say proper during the neg. process , who will pay the upgrading fee.now the first appt already some-where first week of oct so the completion will be around mid nov.请问HDB的消息是准确的吗？准确可能延误的可能性大吗？no

michael8330 · 发表于 10-8-2007 11:15:00|来自：北京顺义

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用xian0047在2007-8-9 17:05:00的发言： 请问下Michael:1. 现在HDB的估价随着市场升温也有升温吗?还是只是看房子的地点,年龄,装修等?2. 我只能从HDB网站查到最近3个月的交易记录. 如何才能查到更早之前的交易记录呢?3. 我对HDB推出的DBSS计划房子比较感兴趣,不知道怎么样才能知道全岛哪里有这样可以出售的房子?4. 现在我比较感兴趣的是处于SengKang Blk313-318一带DBSS的房子.请问你有那里的房源吗?我想要4RM的. 谢谢!</div>1. 现在HDB的估价随着市场升温也有升温吗? yes2. there is no way for end-user, as agent , we can track up to 5 year. u can ask from yr agent.3. go to hdb website.4. sorry i did not have.

yes-or-no · 发表于 10-8-2007 16:19:00|来自：北京顺义

以下是引用[I]michael8330[/I]在2007-8-10 11:28:00的发言： 1. sorry , i have forget about the MOP. anyway , after u completed yr MOP[5 year- direct purchase or take house grant] u can buy EC and lease out the 4rm hdb flat.Thanks and very appreciated if you could give me some hinds on actual practice regarding below mentioned?????

Regading "?????", actually I just want to confirm that whether it's quite a common practice that people stay in their EC and rent out the 4-room flat? Thanks

[此贴子已经被作者于2007-8-10 16:25:33编辑过]

michael8330 · 发表于 8-8-2007 11:12:00|来自：北京顺义

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用askforhelp在2007-8-7 18:10:00的发言： Hi Michael,Thanks for your prompt reply. However I still have some confusion about your answer for Point 2:Does that mean even I purchase re-sale EC (not a new EC), I still need to force sale my existing HDB flat within six month? I thought a resale EC is deemed as pte condo, and thus no need to force sale the HDB flat. Am I misunderstanding?Pls correct me if anything wrong. thanks</div>only apply to new EC.[can take grant and have to sell within 6 month]for resale EC still can retain yr hdb flat and need not refinance and will still enjoy 2.6%

askforhelp · 发表于 8-8-2007 18:11:00|来自：北京顺义

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用michael8330在2007-8-8 11:12:00的发言： only apply to new EC.[can take grant and have to sell within 6 month]for resale EC still can retain yr hdb flat and need not refinance and will still enjoy 2.6% </div>Alright. Got it. Thanks!Another small question: If I decide to buy a HDB flat with my mother (ltsvp), is my mother required to present in 1st appointment or 2nd appointment and sign any legal document?

[此贴子已经被作者于2007-8-8 18:16:04编辑过]

askforhelp · 发表于 9-8-2007 21:39:00|来自：北京顺义

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用michael8330在2007-8-9 9:43:00的发言： no need to be present, just need to take doucement to show the officer.</div>Understood. Thanks.

[此贴子已经被作者于2007-8-9 21:42:57编辑过]

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