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michael8330 · 发表于 28-11-2007 15:09:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用liumao在2007-11-28 13:56:00的发言： cau u tell me means of OTP ,in OTP duty of seller and buyer?thks</div>otp==> option to purchase.The Option to Purchase provides buyers with an option period of 14 days to consider their prospective purchase. During this period, they can check on their eligibility, financing aspects, etc. before deciding whether to proceed with the purchase. Upon exercising the Option to Purchase, a binding contract is entered into between the seller and the buyer for the sale and purchase of the flat. The buyer and seller can then submit their resale application to HDB for processing.in the event that the buyer back out of the sale :-during the option period:- [during the 14 days] , the option pay to the seller will be forfeiture, and there will be no claims against each parties. [ clause 4 and clause 6 of the HDB standard option to purchase]during the period where the 14 day have pass and ex. fee have already paid:-  under singapore law society of singapore's condition of sale 1999, clause 29.9:- the following term apply to the vendor's  right to re-sell the property: a) if on any re-sale contracted within one year after the date fixed for completion the vendors incurs a loss, the purchaser must pay to the vendor as liquidated damages, the amount of such loss;b) the liquidated damages payable by the purchaser will include all costs and expense reasonably incurred in any such re-sale or any attempted re-ale but the vendor must give credit for any deposit and any money paid on account of the purchase price, and,c) the vendor will be entilted to retain any surplus money from the re-sale .in short , if the buyer back-out from the sale after the 14 day cooling off  period , and the seller re-sale the hse within one year and incurre loss, the seller can claim the buyer , if the seller manage to sell higher price , the seller will keep the surplus.duty of seller:-once the seller sign the otp, he have no right not to sell the hse.a) the buyer can sue for 'specific performance', i.e. request the high court to 'force' the seller to sell the hse to u,b) sue for liquidated damages.

liumao · 发表于 28-11-2007 17:06:00|来自：新加坡

during the 14 days(aft OTP before exe) ,buyer can quit or not?thanks.

michael8330 · 发表于 28-11-2007 18:37:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用liumao在2007-11-28 17:06:00的发言： during the 14 days(aft OTP before exe) ,buyer can quit or not?thanks.</div>can , the option fee will be forfeit.

[此贴子已经被作者于2007-11-29 10:11:58编辑过]

michael8330 · 发表于 29-11-2007 10:17:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用桔子树在2007-11-28 22:31:00的发言： so fast got the answer...thanks ..really help us a lot..we ll try^_^[em17][em17][em04][em04]</div><div> </div><div>老鼠版主 want me to work harder , so i think i have to work harder lor.</div><div> </div><div>i will try my best to give answer asap, accurate and updated.</div><div> </div>[em01]

kidult饰品居 · 发表于 30-11-2007 14:06:00|来自：新加坡

楼主真是好人<img title="dvubb" alt="图片点击可在新窗口打开查看" src="http://bbs.sgchinese.com/Skins/Default/emot/em02.gif" align="middle" border="0"/>我也有几个问题想要请教你。1.SC+PR工作2年左右，2个人的月薪不到6000适合买HDB吗？考虑到还贷这些。如果是SC+SC，比较SC+PR有什么优惠吗？2.二手房买后多久可以出租？3.因为准备1-2年后去国外继续读书，到时候没有CPF，想通过收租金的方式还贷可以吗？4.如果是SC+SC，买250K左右的房子，90％可以向HDB贷款吗？如果不可以，首期要付多少？其中多少%得付现金呢？现在房子的租金是越来越贵，就考虑着自己买房子租给别人，不知道行得通不。不好意思哦，如果问题有点“笨”请谅解<img title="dvubb" alt="图片点击可在新窗口打开查看" src="http://bbs.sgchinese.com/Skins/Default/emot/em04.gif" align="middle" border="0"/>

michael8330 · 发表于 30-11-2007 16:24:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用kidult饰品居在2007-11-30 14:06:00的发言： 楼主真是好人<img title="dvubb" alt="图片点击可在新窗口打开查看" src="http://bbs.sgchinese.com/Skins/Default/emot/em02.gif" align="middle" border="0"/>我也有几个问题想要请教你。1.SC+PR工作2年左右，2个人的月薪不到6000适合买HDB吗？考虑到还贷这些。如果是SC+SC，比较SC+PR有什么优惠吗？2.二手房买后多久可以出租？3.因为准备1-2年后去国外继续读书，到时候没有CPF，想通过收租金的方式还贷可以吗？4.如果是SC+SC，买250K左右的房子，90％可以向HDB贷款吗？如果不可以，首期要付多少？其中多少%得付现金呢？现在房子的租金是越来越贵，就考虑着自己买房子租给别人，不知道行得通不。不好意思哦，如果问题有点“笨”请谅解<img title="dvubb" alt="图片点击可在新窗口打开查看" src="http://bbs.sgchinese.com/Skins/Default/emot/em04.gif" align="middle" border="0"/></div>1.SC+PR工作2年左右，2个人的月薪不到6000适合买HDB吗？考虑到还贷这些。如果是SC+SC，比较SC+PR有什么优惠吗？  same , no different.   if u take housing grant, the hse grant will only goto the SC, if 2 SC, will split the hse grant into half.2.二手房买后多久可以出租？  room rental, [u have to stay in the hse] ==> immediate  whole unit without grant ==> 3 year  whole unit with grant ==> 5 year3.因为准备1-2年后去国外继续读书，到时候没有CPF，想通过收租金的方式还贷可以吗？可以, but u still have to pay S&C fee, have to make sure that the rental enough to cover the mortgage month loan.4.如果是SC+SC，买250K左右的房子，90％可以向HDB贷款吗？如果不可以，首期要付多少？其中多少%得付现金呢？可以. use 12.5% cpf account.[ legal fee + stamp duty+ misc] no enough cover with cash.在房子的租金是越来越贵，就考虑着自己买房子租给别人，不知道行得通不。不好意思哦，如果问题有点“笨”请谅解行得通, clever move if u can afford. [em17]

[此贴子已经被作者于2007-11-30 16:26:12编辑过]

coralbells · 发表于 30-11-2007 20:26:00|来自：新加坡

Michael, 可以推荐个律师给我么？是PR购买HDB租屋，准备从posb或者ocbc贷款，谢谢。 [em07]

liumao · 发表于 1-12-2007 12:49:00|来自：新加坡

lz good!up up [em27][em27][em27]

liumao · 发表于 1-12-2007 12:50:00|来自：新加坡

[em37][em37]

michael8330 · 发表于 1-12-2007 15:38:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用coralbells在2007-11-30 20:26:00的发言： Michael, 可以推荐个律师给我么？是PR购买HDB租屋，准备从posb或者ocbc贷款，谢谢。 [em07]</div>吃力不讨好. [em04]i scare , i refer the lawyer to u, if the lawyer is good , no thank you from you,
 if the lawyer no good i get scolded, maybe u get your own agent to refer u better.
anyway, my lawyer charge $2k+ gst, include mortgage stamp.

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