有了一个SC，买房子还要钱么？如果是买组屋，只要HDB贷款的额度高，完全可以做到首付+手续费不超过1万！ 注意以下几点： 1. HDB又给3万的家庭补贴 2. 如果你们的某一方的父母都是LSVP，可以试着把他们加入到occupier上，这样有可能再拿1W的父母补贴。（这个不敢保证，而且手续挺麻烦的） 3. 如果家庭总收入低于5000，还有多余的补贴可以拿，最高到4万。 4. 除了COV，deposit以外的钱，都可以向HDB贷款，2.6%的年息，最后需要付的总利息大概是30%（30年贷款）。 5. 如果买的是3房，只要最后赔给HDB3万，就可以再买新房。 最后给个估算：如果买的是30W的房子，现金估计要付1W，每月还贷款大约1千。不管怎么说都比现在的房租便宜。即使以后要走，租金也能支持房贷。

具体条款在这里(v) You are buying a flat with your parents/married child included as the joint applicants or permitted occupiers. http://www.hdb.gov.sg/fi10/fi10201p.nsf/WPDis/Buying%20A%20Resale%20FlatCPF%20Housing%20Grant%20for%20Family?OpenDocument # To qualify, you have to meet one of these proximity conditions: (i) You are buying a flat in the same town as your parents'/married child's flat. (ii) You are buying a flat within 2 km of your parents'/married child's flat, if they are in different towns. (iii) You are buying a flat in the same town of a private residential property that is owned and occupied by your parents/married child. (iv) You are buying a flat within 2 km of a private residential property that is owned and occupied by your parents/married child. (v) You are buying a flat with your parents/married child included as the joint applicants or permitted occupiers. 英文就不要我解释了吧。虽然没有经过证实，但是既然单身SC可以和父母（两个LSVP）一起买房，那么拿补贴也是一样。 当然我没有找到父

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...)

有可能吗？怎么看钱都不够吧！

这点钱也够买50万的房子？2人收入肯定超过了5k，年纪也不大，但是就这点现金，也够买50万的房子？ 个人感觉30万多点就差不多了吧，还得给cov,中介费，装修这些呢！ 钱不够用啊!

毛驴大大，帮我解释下第五个条件吧原文已经贴过了，但估计被人认为是瞎编的。就把HDB的网页剪下来。请毛驴大大帮忙解释下第五个条件在什么情况下可以成立。 其实大家也不差这1万，只不过觉得HDB的条款太多，太杂，想弄个明白而已。 (more...)