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michael8330 · 发表于 10-8-2007 11:28:00|来自：新加坡

<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：新加坡

<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

yes-or-no · 发表于 10-8-2007 16:19:00|来自：新加坡

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]

liaoran · 发表于 13-8-2007 15:50:00|来自：新加坡

need help: I am a PR, i bought a condominium recently, this is the second condo i bough, the OTP already signed, but the loan wasn't approved by bank, what should i do?

michael8330 · 发表于 15-8-2007 10:17:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用liaoran在2007-8-13 15:50:00的发言： need help: I am a PR, i bought a condominium recently, this is the second condo i bough, the OTP already signed, but the loan wasn't approved by bank, what should i do? </div>1. u only put the option money of 1%?2. or u have already ex. the option by paying the 4% to yr lawyer after the 2 week?for no.1 , u only loss the 1% and the seller have nothing against u and the seller have the freedom to sell to other parties.for no.2 mean u have already ex. the option and have enter into contract with the seller, u can:-a. get the buyer-agent to re-sell the apt for u asap,b. inform the seller-agent that u want to resell this unit,in the event , that u cannot get a buyer, after the agreed completion the owner have the right to get another buyer,if the price is higher than what u paid than the seller only take away yr deposit, if seller sell lower than what u have pay for [within 1 year] , he is entitle to claim the losses against u.if u like the condo very much , try to get other bank to finance u , maybe u have pay slight more up-front.for legal issue, please get yr lawyer to advise u.

[此贴子已经被作者于2007-8-15 10:18:14编辑过]

爱吃猫的鱼 · 发表于 17-8-2007 15:46:00|来自：新加坡

Michael，你好!我本人最近刚刚成为新加坡公民，太太是新加坡PR, 我母亲持有5年期的LSVP, 我在新加坡已经工作6年，我太太跟我母亲都是最近才来新的.由于我跟太太最近2年来婚姻生活一直不理想，今后也有可能会离婚，因为不了解新加坡关于政府租屋的产权分配所以想请教几个问题.1) 我的情况是否可以跟我母亲联名购买租屋而不是跟我太太联名, 跟我母亲联名的话我是否还可以购买新租屋或者获得3万元的政府津贴.2) 如果政府允许我跟我母亲联名购买租屋，那么如果将来我跟太太离婚，房子是否还可以保留.3) 如果上面的2个条件不成立，假设我必须跟我太太联名购买租屋，那么我是否可以把我母亲的名字也一起写进去，就是说我母亲会跟我一起居住。由于最近就要买房子，所以想了解一些这些细节问题，希望您可以不吝赐教，感激不尽!!!

[此贴子已经被作者于2007-8-17 15:48:02编辑过]

michael8330 · 发表于 18-8-2007 12:50:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用爱吃猫的鱼在2007-8-17 15:46:00的发言： Michael，你好!我本人最近刚刚成为新加坡公民，太太是新加坡PR, 我母亲持有5年期的LSVP, 我在新加坡已经工作6年，我太太跟我母亲都是最近才来新的.由于我跟太太最近2年来婚姻生活一直不理想，今后也有可能会离婚，因为不了解新加坡关于政府租屋的产权分配所以想请教几个问题.1) 我的情况是否可以跟我母亲联名购买租屋而不是跟我太太联名, 跟我母亲联名的话我是否还可以购买新租屋或者获得3万元的政府津贴.2) 如果政府允许我跟我母亲联名购买租屋，那么如果将来我跟太太离婚，房子是否还可以保留.3) 如果上面的2个条件不成立，假设我必须跟我太太联名购买租屋，那么我是否可以把我母亲的名字也一起写进去，就是说我母亲会跟我一起居住。由于最近就要买房子，所以想了解一些这些细节问题，希望您可以不吝赐教，感激不尽!!!  </div>1. once u are married in singapore u have to[must] include yr wife, minimum as occupier [ u can include yr mother as occupier also , it will not effect anything to include or exclude yr mother] in another word, u can be the only owner of the hse, but yr wife cpf [OA Account]cannot be use to service the loan and next time when u sell the hse , she have to sign the 'spouse consent form' if u are still with her.2. u can retain the hse as long as u can form a family.[non-citizen family scheme]copy and paste for hdb website:-The Non-Citizen Family Scheme allows a single citizen with non-citizen family members to buy an HDB flat from the open market. If you wish to buy a resale flat under the Non-Citizen Family Scheme, you must meet the following eligibility conditions: Citizenship You must be a Singapore Citizen. Age You must be at least 21. Family Nucleus You must form a family nucleus, such as:
<ul><li type="disc">Your parents and siblings; or </li><li type="disc">Your children under your legal custody, care and control (for widowed, divorced or separated persons).</li></ul> The non-citizen family member listed as occupier must have a social visit pass (including work permit) of at least 6 months. If the social visit pass expires during the resale transaction, you have to produce the renewed social visit pass at the point of completion of the resale transaction. 3. please refer to point 1

tke0125 · 发表于 18-8-2007 23:38:00|来自：新加坡

我想找两房一厅，有吗？

爱吃猫的鱼 · 发表于 19-8-2007 00:52:00|来自：新加坡

Michael, 非常感谢你的回复，让我弄明白了许多问题, 还想再请教一下.1) 只有购买2手组屋才可以得到政府$30K的津贴对么，直接跟HDB申请新的租屋就没有津贴?2) 我听说如果买的屋子靠近父母还可以多得到$10K，因为我买了房子之后我母亲是跟我一起住的，那么我可以得到这10K么?3) 今天看到一则新闻关于建屋发展局即日通过“预购组屋”Build-to-Order，简称BTO 制度推出新的组屋单位Punggol Vista , 如果市场反应好，    就能动工建造，Punggol Vista 预料将于2012年6月完工。    我想知道2012年房子完工之前费用怎样计算呢，我只需要交一个首付10%还是在2007-2012房子还没完工的5年时间里每个月都要还Instalment?4) 因为最近就要买房，所以希望您可以推荐一下Agent & Lawyer, 方便的话请PM我，感激不尽.

[此贴子已经被作者于2007-8-19 2:31:23编辑过]

jenny2004 · 发表于 19-8-2007 22:49:00|来自：新加坡

michael，we want to consult with you:在我们同意seller的高现金部分的要求后，seller答应我们early move－in因为房子的condition很simple，我们想早点装修。现在还没有到first appointment。屋主准备交key给我们，我们准备找装修商装修，可是我们的agent 这个时候突然对我们说，最好现在不要做，要不然到时候交易不成功，我们的装修就白做了，HDB还会要我们恢复原状，如果是这样的状况，我们还要这个key干什么？不懂中介在我们交易的时候为什么不说这个risk？请教michael，我们现在要去拿这个key吗？屋主已经terminate 水电气，我们要去turn on 吗？谢谢！！！

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