这种人头状况下，在学校附近买四房是绝对有可能的

do you read "how can you make use of the housing grant for the flat purchase"The 5% cash only happen when you take a bank loan. For HDB loan, it is a different story. Are you sure you process the similar case before? If no, could you check the HDB website carefully? http://www.hdb.gov.sg/fi10/fi10201p.nsf/WPDis/Buying%20A%20Resale%20FlatCPF%20Housing%20Grant%20for%20Family?OpenDocument#use The CPF Housing Grant can be used to pay towards the purchase of the resale flat or to reduce the mortgage loan. Hence, if you do not have enough CPF savings, the grant can be used to pay for the initial payment towards the purchase. The balance, if any, must be used to reduce the mortgage loan. However, the grant cannot be used to offset the cash payment where the declared resale price exceeds the market valuation. If you are buying the resale flat with a bank loan, the CPF Housing Grant will be treated as part of your CPF fund. It can be used to pay for the CPF portion of the initial payment towards the purchase of t (more...)

只要收入不是非常低，这么多钱买4房已经足够了。刚工作就说明很年轻，两个都工作收入应该有5k以上吧。在加上你们现在有的钱，足够买50w的房子了。

如果房子只有估价30w房价的首付律师费和税等都可以用cpf和买房津贴来还,1w现金都不用显摆一下俺买房时cpf的记录\n\n 02 SEP CON SEP2008 40,000.00\n 05 SEP HSE -5,846.60\n 05 SEP HSE -47,700.00\n 05 SEP HSE -809.95

应该是这样的原来有1W4，加上政府给的4W， 律师费和税去了5600和860，剩下的就都还贷款了，

有公民还怕什么，要是能做个手脚半年收入不过5000,有6房的主屋你也买的起。另外，铁皮盒子，镁铝夫人，还真是一对呀，呵呵。不过，明显你夫人比较贵重呀。