华新 - 穷人夫妻买房困惑贴，求解！

(引用 flybird111:除了COV，deposit以外的钱，都可以向HDB贷款, 痴人说梦!!!!)读书一定要仔细，看官方的HDB loan计算器！！Grant 在bank loan和hdb loan 中的作用是不同的。

官方的HDB loan计算器
http://services2.hdb.gov.sg/webapp/BB29FIN/BB29FINP.jsp

http://www.hdb.gov.sg/fi10/fi10201p.nsf/WPDis/Buying%20A%20Resale%20FlatResale%20Financial%20Plan?OpenDocument

新加坡政策多变，读书一定要仔细，尤其是小字部分！！！
[deadsea (6-28 10:31, Long long ago)] [ 传统版 | sForum ][登录后回复]61楼

(引用 deadsea:读书一定要仔细，看官方的HDB loan计算器！！Grant 在bank loan和hdb loan 中的作用是不同的。官方的HDB loan计算器 http://services2....)The point isyou must pay 5% of evaluation price by cash, excluding any kind of housing grant.

Got it??????

If today someone believes that he only needs 10K cash to buy a 400K house, r u gonna top up for him in case he signed 1st appointment?

[flybird111 (6-28 11:14, Long long ago)] [ 传统版 | sForum ][登录后回复]62楼

(引用 flybird111:The point isyou must pay 5% of evaluation price by cash, excluding any kind of housing grant. Got it?????? If today someone be...)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 the resale flat or to reduce the mortgage loan. It will be included in the computation of the CPF withdrawal limit.

The treatment of the initial payment in CPF fund and cash for buying resale flats with bank loans is as below:

Minimum Cash/CPF Payment

Total
Cash

CPF
(including Housing Grant)
5%

5%

10%
Note:
(a) The cash payment is computed based on the lower of the market valuation or resale price.
(b) The cash payment is in addition to the cash-over-valuation ('cov') for cases where the transacted resale price is above market valuation. Resale flat buyers must pay the 'cov' in cash.[deadsea (6-28 11:44, Long long ago)] [ 传统版 | sForum ][登录后回复]63楼

(引用 deadsea:读书一定要仔细，看官方的HDB loan计算器！！Grant 在bank loan和hdb loan 中的作用是不同的。官方的HDB loan计算器 http://services2....)刚用了下，hdb贷款2.6% 30年，贷30w每个月只要还1202。。。[hula (6-28 16:47, Long long ago)] [ 传统版 | sForum ][登录后回复]64楼

(引用 deadsea: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. ...)Are you sure you process the similar case before? yes.hope it is clear to u now...

Of course, you can choose to save only 10K cash for ur house...Good luck....

Again, be careful when you give advices to ppl..[flybird111 (6-28 18:21, Long long ago)] [ 传统版 | sForum ][登录后回复]65楼

(引用 deadsea: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. ...)5%的现金只是局限于银行贷款,correct me if there are evidences找到一条旧的新闻， 5%的现金其实是从2006年开始的，以前是4%：

受访的房地产人士都认为，这主要是因为从今年1月开始（2006年），通过银行贷款购买组屋的首期须付5％现金，只是比去年的4％增加了一个百分点，这并没有刺激人们赶在去年底进场。

http://property.zaobao.com/pages4/hdb060201.html

而且在HDB的website上没有找到5%的现金也适用于HDB贷款

虽然flybird111说他曾经见过即使拿HDB贷款也要付5%的现金，但是他提不出来任何相关的HDB条款，也没有任何证据。希望有哪位确实有经验的大侠提供切实可信的证据！[deadsea (6-29 7:22, Long long ago)] [ 传统版 | sForum ][登录后回复]66楼

这种人头状况下，在学校附近买四房是绝对有可能的[鼎盛水牛 (6-29 9:45, Long long ago)] [ 传统版 | sForum ][登录后回复]67楼

(引用 deadsea: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....)好吧，既然要转帖就贴全，不要以片面的信息加你主观的“既然+那么”来误导大家1.for married couples who are first-timer applicants and are buying a resale flat near their parents'/married child's HDB flat or owner-occupied private residential property

2. CPF housing grant for family
(living near parents/married child)
- Parents are residing in an HDB flat or owner-occupied private property within same town or within 2 km

上面这两条HDB的原文已经讲的很清楚了：买房者的父母的房产必须在你要买的房子的附近。如果你的父母现在都还没有房产，这个1w补贴的前提当然就不成立了。请注意你把父母的名字放在你“将要”买的房子里不能算作“your parents' HDB flat”或者"Parents are residing in an HDB flat"[火星老毛驴 (6-29 12:56, Long long ago)] [ 传统版 | sForum ][登录后回复]68楼

(引用鼎盛水牛:这种人头状况下，在学校附近买四房是绝对有可能的)有可能吗？怎么看钱都不够吧！[镁铝夫人 (6-29 13:01, Long long ago)] [ 传统版 | sForum ][登录后回复]69楼

(引用 deadsea: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. ...)一直以为是sc的话，那5%不用给cash呢！[镁铝夫人 (6-29 13:04, Long long ago)] [ 传统版 | sForum ][登录后回复]70楼

(引用 deadsea: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. ...)cz拿了补贴和hdbloan的确不需要用cash。hdb会把你们的cpf全部扣完。这点没必要争了。就算你不清楚你的中介也会跟你讲的。[火星老毛驴 (6-29 13:10, Long long ago)] [ 传统版 | sForum ][登录后回复]71楼

(引用镁铝夫人:有可能吗？怎么看钱都不够吧！)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。[火星老毛驴 (6-29 13:20, Long long ago)] [ 传统版 | sForum ][登录后回复]72楼

其实没必要这么困惑，找个中介就都解决了。中介都会根据你的收入先帮你估算你能负担的房价的。
根据你的情况，不要说4房，5房也完全有可能。[色既是空 (6-29 13:30, Long long ago)] [ 传统版 | sForum ][登录后回复]73楼

(引用龙蝇:最主要的是名校。如果你的小孩不在这里上学就不会关心这个了)其实上不上名校是次要的,关键看孩子有没有一个端正的学习态度.相信很多拿全额奖学金在海外留学的中国学生,特别是在美国很多世界排名靠前的大学,估计有一大部分学生都来自中国最贫穷的农村,在他们小的时候恐怕都不知道什么是名校,他们的父母有的不认识几个字,但他们依然以很高的分数和惊人的毅力跨入了好的大学,在科研等各个领域做着贡献,所以有的时候恶劣的环境也容易造就人,培养他们坚定的意志和不服输的精神.[ladyfish (6-29 17:47, Long long ago)] [ 传统版 | sForum ][登录后回复]74楼

(引用 ladyfish:其实上不上名校是次要的,关键看孩子有没有一个端正的学习态度.相信很多拿全额奖学金在海外留学的中国学生,特别是在美国很多世界排名靠前�...)的确是，但我想也各有各的理念吧我想作为父母，都会想尽量提供孩子一个更高的平台吧，当然正确的人生观价值观还是最重要的。[piano55 (6-29 21:27, Long long ago)] [ 传统版 | sForum ][登录后回复]75楼

(引用火星老毛驴:好吧，既然要转帖就贴全，不要以片面的信息加你主观的“既然+那么”来误导大家1.for married couples who are first-timer applicants an...)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。

[deadsea (6-29 23:05, Long long ago)] [ 传统版 | sForum ][登录后回复]76楼

(引用火星老毛驴: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...)说到50w，我在propertyguru上看到这个，大家觉得怎样？培养一下感觉。我感觉这个看起来不错。大家一起评论下啊。

Development Name: Cantonment Towers
Property Type: HDB Apartment
HDB Estate/Town: Central Area
Construction Year: 2002
# of Floors: 30

19, Cantonment Close
Singapore 080019

51万Negotiable

感觉就是离地铁站远了点大约0.8km到Outram Park，0.8km到TAnjong Pagar，但是环境应该不吵。

位置市中心，房子新。大约100平米，房子类型4I。高层，朝向南北，好像都不错的样子。
[hula (6-30 7:29, Long long ago)] [ 传统版 | sForum ][登录后回复]77楼

(引用火星老毛驴: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...)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![镁铝夫人 (6-30 10:34, Long long ago)] [ 传统版 | sForum ][登录后回复]78楼

(引用镁铝夫人: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...)你可以直接联系把酒兄，只要你把cov和装修控制在2.5w左右就刚好啊。现在很多都不要cov了。[火星老毛驴 (6-30 11:28, Long long ago)] [ 传统版 | sForum ][登录后回复]79楼

(引用 deadsea: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� ...)刚才又和我的中介确认了一下，肯定的答复，不可以。[火星老毛驴 (6-30 11:39, Long long ago)] [ 传统版 | sForum ][登录后回复]80楼