【房屋】免费咨询租房/买房/卖房/出租/房款等各种问题

michael8330 · 发表于 1-12-2007 15:42:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用liumao在2007-12-1 12:49:00的发言： lz good!up up [em27][em27][em27]</div>谢谢liumao帮顶[em10][em10]

kidult饰品居 · 发表于 1-12-2007 23:24:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用michael8330在2007-11-30 16:24:00的发言： 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] </div>
thank u very much[em22]

qweisong · 发表于 2-12-2007 14:30:00|来自：新加坡

顶！

[此贴子已经被作者于2007-12-2 14:48:12编辑过]

qweisong · 发表于 2-12-2007 14:49:00|来自：新加坡

Michael，你好，看了你的很多回复，受益匪浅，首先感谢你！我现在有几个问题，想请教你我打算明年申请公民（这个没什么问题），月薪3000多，太太现在在中国。当我拿到公民身份后，是不是不管我太太是否是PR，我都可以买二手HDB，并申请30k的grant和享受HDB的优惠贷款利率呢？如果可以，由于工作的关系，在我们去中国生活期间，由于没有CPF，我们是不是可以先通过CPF付月供（在新加坡工作期间），之后换成通过银行付月供（在中国工作期间）？如果我们把房子出租，5年之内不能把整间屋子全部出租，对吗？这样，我们只要锁住一个房间，是否就可以应付HDB的检查，会不会有问题？另外，如果申请80%的贷款，首付20%，这20%中，可不是可以是15%的现金，5%的CPF？还是必须是10%的现金+10%的CPF？静候答复！谢谢。

michael8330 · 发表于 2-12-2007 18:57:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用qweisong在2007-12-2 14:49:00的发言： Michael，你好，看了你的很多回复，受益匪浅，首先感谢你！我现在有几个问题，想请教你我打算明年申请公民（这个没什么问题），月薪3000多，太太现在在中国。当我拿到公民身份后，是不是不管我太太是否是PR，我都可以买二手HDB，并申请30k的grant和享受HDB的优惠贷款利率呢？如果可以，由于工作的关系，在我们去中国生活期间，由于没有CPF，我们是不是可以先通过CPF付月供（在新加坡工作期间），之后换成通过银行付月供（在中国工作期间）？如果我们把房子出租，5年之内不能把整间屋子全部出租，对吗？这样，我们只要锁住一个房间，是否就可以应付HDB的检查，会不会有问题？另外，如果申请80%的贷款，首付20%，这20%中，可不是可以是15%的现金，5%的CPF？还是必须是10%的现金+10%的CPF？静候答复！谢谢。 </div>我打算明年申请公民（这个没什么问题），月薪3000多，太太现在在中国。当我拿到公民身份后，是不是不管我太太是否是PR，我都可以买二手HDB，并申请30k的grant和享受HDB的优惠贷款利率呢？可以买二手HDB和享受HDB的优惠贷款利率, 不可以申请30k的grant, if yr spouse is a non-PR u will be qulify under Non-Citizen Spouse Scheme (NCS), u only can apply for 11k if u meet the term and condition:-please see the word in red.cut and paste from hdb website:-The Non-Citizen Scheme allows a citizen with a non-citizen spouse to buy an HDB flat from the open market. If you wish to buy a resale flat under the Non-Citizen Scheme, you must meet the following eligibility conditions: Citizenship You must be a Singapore Citizen. Age You must be at least 21 if your spouse is holding a social visit pass (including work permit) of at least 6 months. You must be at least 35 if your spouse is holding a social visit pass (including work permit) of less than 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. Family Nucleus You are married to a non-citizen. Income Ceiling There is no income ceiling (unless applying for CPF Housing Grant). Ownership of Private Residential Property You can own private property (unless applying for CPF Housing Grant) but must live in the HDB resale flat. Ethnic Integration Policy You can buy an HDB resale flat in any town/estate as long as the approved proportion of your ethnic group has not been reached. To check, click <a href="http://www.hdb.gov.sg/fi10/fi10201p.nsf/WPDis/Buying%20A%20Resale%20FlatEthnic%20Group%20Eligibility?OpenDocument" target="_blank">Ethnic Group Eligibility</a> or call HomeLink at 1800-8663060. CPF Housing Grant for Singles You may apply for the CPF Housing Grant for Singles if you meet all the eligibility conditions under the <a href="http://www.hdb.gov.sg/fi10/fi10201p.nsf/WPDis/Buying%20A%20Resale%20FlatCPF%20Housing%20Grant%20for%20Singles?OpenDocument" target="_self">CPF Housing Grant Scheme for Singles</a>.<li type="disc">A Singapore citizen aged 35 and above who marries a non-citizen spouse can buy a resale HDB flat under the Non-Citizen Spouse Scheme and apply for a singles grant of $11,000</li><li type="disc">21 years old and above - for buyers under the Non-Citizen Spouse (NCS) Scheme and added condition that the non-citizen spouse holds a social visit pass (including work permit) of at least six months’ validity</li><li type="disc">Having a gross monthly household income of $8,000 and below, no flat type restriction - applicable for JSS Scheme, Non-Citizen Spouse Scheme, Public Scheme (singles who include their parents as co-buyers or flat occupiers)</li>如果可以，由于工作的关系，在我们去中国生活期间，由于没有CPF，我们是不是可以先通过CPF付月供（在新加坡工作期间），之后换成通过银行付月供（在中国工作期间）？u will be taking loan from hdb, so nothing to do with the bank, when u work in s'pore, u will have cpf to services the loan, when u are not in singapore, u will have to pay in cash.如果我们把房子出租，5年之内不能把整间屋子全部出租，对吗？对, but if your whole family + u are working in overseas or studying , u can apply for approval [ it is under one of the condition to lease out the flat with approval, just need to take note that this period of time-- {sub-let period } will not be taking into  the 5 year physical period.,这样，我们只要锁住一个房间，是否就可以应付HDB的检查，会不会有问题？不可以, but in the market a lot of owner is doing this, please be reminded once u get caught by the hdb, u may be ask to pay 150% of the monthly rental , or the hdb may take back the hse.另外，如果申请80%的贷款，首付20%，这20%中，可不是可以是15%的现金，5%的CPF？还是必须是10%的现金+10%的CPF？if u taking loan from hdb, u can use all 20% from yr cpf account [ please be remind COV have to be in cash]if u take bank loan, 5% cash +15% cpf [if u have no enough , top up with cash]if no clear , please ask again , as the cut and paste is a bit blur

miomio · 发表于 2-12-2007 20:53:00|来自：新加坡

你好,楼主,我现在有一套政府组屋,暂时还不想换,我想如果我们明年加入公民,再买私人公寓的话,是不是也可以HDB贷款和有3万补贴呢? 我们现在的贷款事银行的.谢谢

michael8330 · 发表于 2-12-2007 22:06:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用miomio在2007-12-2 20:53:00的发言： 你好,楼主,我现在有一套政府组屋,暂时还不想换,我想如果我们明年加入公民,再买私人公寓的话,是不是也可以HDB贷款和有3万补贴呢? 我们现在的贷款事银行的.谢谢</div>买私人公寓,不可以HDB贷款和3万补贴 , only when u buy another re-sale flat than u can apply for hdb loan and take grant.

qweisong · 发表于 2-12-2007 22:23:00|来自：新加坡

Michael,谢谢你。按照你的回答，如果我和我的家人去国外工作或是学习，我们可以向HDB申请把整间屋子出租，通常情况下，需要满足什么条件？根据你的经验，获得批准的可能性有多大？出租后，所得租金是不是全贵我们自己所有？;此外，如果不买一般的政府租屋，买什么房子可以用30k的grant呢？>我想买一个房子，能用30K的grant，又不用向hdb申请如果去国外工作学习，不好意思，想的太美了！？谢谢

[此贴子已经被作者于2007-12-2 22:57:37编辑过]

michael8330 · 发表于 2-12-2007 22:37:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用qweisong在2007-12-2 22:23:00的发言： Michael,谢谢你。按照你的回答，如果我和我的家人去国外工作或是学习，我们可以向HDB申请把整间屋子出租，通常情况下，申请是不是会被批准，一般需要什么条件才会被批准呢？此外，如果不买一般的政府租屋，买什么房子可以用30k的grant呢？谢谢</div>一般会被批准, u may have to appoint one POA in singapore to  handle yr property matter.all type of hdb flat [not include pte property and HUDC], include first hand EC.

[此贴子已经被作者于2007-12-3 10:24:26编辑过]

qweisong · 发表于 2-12-2007 23:09:00|来自：新加坡

谢谢！能问一下，这里的POA主要干什么的？当申请被批准后，是不是房租都归屋主（及我们）所有？另外，可不可以这样理解，凡是能够用30k 的grant的房子，如果要去海外工作，未住满5年，都必须向HDB申请approval?

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