房产达人们来给个建议最近一个朋友问了我这样一个问题，我没经验，听说这里达人很多，所以上来问问达人们。
他们的情况：
男的公民，父亲是LTSVP, 女的是PR，目前还没有结婚。如果他们想一套HDB，一套公寓，好像只能先买HDB然后再买公寓，但升级到公寓有时间限制？他们这种情况，该如何计划下呢，是买二手租屋还是BTO，是买二手condo还是期房。他们是想在大选前把两套都买了，现金足够付两套的首付。未来还是住condo，租hdb出去。
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该帖荣获当日十大第3，奖励楼主15分以及22华新币，时间：2015-04-23 22:00:01。[名匠 (4-23 12:24, Long long ago)]
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男的加老爸买二手HDB。女的自己买公寓。
然后再结婚？
[本文发送自华新iOS APP]
[zmwang (4-23 12:44, Long long ago)]
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(引用 zmwang:男的加老爸买二手HDB。女的自己买公寓。 然后再结婚？)这样结婚的时候需要卖掉HDB么，不懂这个情况政策是怎样的啊如果这样可以那就很容易了哈[名匠 (4-23 12:50, Long long ago)] [ 传统版 | sForum ][登录后回复]3楼
还有一个情况就是男的收入比较高点，女的收入比较低点，刚开始工作好像问题又有点复杂了啊。。。[名匠 (4-23 12:56, Long long ago)] [ 传统版 | sForum ][登录后回复]4楼
(引用 名匠:还有一个情况就是男的收入比较高点，女的收入比较低点，刚开始工作好像问题又有点复杂了啊。。。)前提是两个人有足够的财力能自己供房子或者全款买。网上看到的官方回答。不过他们的情况是SC(>35y)+SC/PR
至于这个是不是符合SC+LVTP加PR的组合，最好还是直接问HDB。
“Letter from HDB after my GF wrote in to inquire. She is holding on to a HDB under her own name now with 5 yrs MOP fulfilled.
We are contemplating Condo or HDB as my own ppty and I am over 35.
Thank you for your email of 25 June 2014.
1) If he is to purchase a HDB flat under single scheme now, and subsequently when we get married in the near future, can we still hold to 2 HDB flats?
Husband and wife are considered one family unit. After your marriage, you and your husband's name cannot be listed in two separate flats. You would have to inform the HDB Branch Office managing the estate either your name to be included in your husband's flat or the vice versa. If you include your name in your husband's flat, then you will need to dispose off your existing flat. This applies to your husband. He needs to dispose his existing flat, if his name is included in your flat.
2) Same goes to purchasing a condominium. If he is to purchase a condo now, and subsequently when we get married in the near future, will my current HDB flat be affected?
After your marriage, you will have to include your spouse in your HDB flat as owner or occupier, he would generally have to dispose his private residential property.
Notwithstanding the above, the HDB could consider allowing flat owner who subsequently marries a private property owner, to include their spouse as occupier or owner of the flat, while their spouse retains the ownership of the private residential property. The flat owner and spouse must continue to reside in the HDB flat and the private residential property is only meant for investment purpose. If your spouse wish to retain the private property after the marriage, you may submit an appeal to the HDB Branch then. As lease and tenancy matters, including eligibility for inclusion of ownership are administered by the HDB Branch Office, you may wish to contact your town Branch managing your flat for specific advice.”
[zmwang (4-23 13:01, Long long ago)]
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(引用 zmwang:前提是两个人有足够的财力能自己供房子或者全款买。网上看到的官方回答。不过他们的情况是SC(>35y)+SC/PR 至于这个是不是符合SC+LVTP加 ...)两个人供房估计没问题，全款拿不出来，能拿出全款的估计也不会想这么多。。女的估计4-5K，男的薪水可以变动，所以贷款估计不是问题，现金估计450K左右。[名匠 (4-23 13:12, Long long ago)] [ 传统版 | sForum ][登录后回复]6楼
还有一个情况，男的29，女的25.所以到35还有点距离[名匠 (4-23 13:13, Long long ago)] [ 传统版 | sForum ][登录后回复]7楼
之前一个都没有，现在一下要两个。收入也不是那么多，这是个自寻烦恼的节奏啊[…]。。。[大叔一名 (4-23 14:02, Long long ago)] [ 传统版 | sForum ][登录后回复]8楼
(引用 大叔一名:之前一个都没有，现在一下要两个。收入也不是那么多，这是个自寻烦恼的节奏啊[…]。。。)哈哈好像是有点那个意思。。他们也没说是一起买，当然是计划而已。。看看怎么来合适 [本文发送自华新iOS APP] [名匠 (4-23 14:15, Long long ago)] [ 传统版 | sForum ][登录后回复]9楼
(引用 名匠:哈哈好像是有点那个意思。。他们也没说是一起买，当然是计划而已。。看看怎么来合适)先搞定一个合适[大叔一名 (4-23 14:17, Long long ago)] [ 传统版 | sForum ][登录后回复]10楼
男主携亲爹买 HDB, 女主买康逗~ 然后去天朝民政局登记闲钱什么的还可以去海南买个小别野~
最后坐 JETSTAR促销价 回新加坡[功夫熊猫 (4-23 15:13, Long long ago)]
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(引用 功夫熊猫:男主携亲爹买 HDB, 女主买康逗~ 然后去天朝民政局登记闲钱什么的还可以去海南买个小别野~ 最后坐 JETSTAR促销价 回新加坡)haha，不错的建议，只是回国登记，那是一个外国人和一个中国公民结婚，没问题么还是有达人来说说这个方案的利弊啊？之前从来没想过这个方案，不是说在新加坡结婚利于女方么，还担心女方有想法呢[名匠 (4-23 16:20, Long long ago)] [ 传统版 | sForum ][登录后回复]12楼
当然可以考虑男方和父母一起购买二手组屋under non-citizen family scheme, 同时女方一人付5%ABSD买公寓，这个都要在结婚前搞定。结婚后，因为男方二手组屋没满5年，所以对女方来说，HDB规定不允许把她的名字加在occupier list里面。只有满5年，才可以把女方变成occupier, essential occupier 甚至owner.
实际中，HDB 还是比较灵活的。最好去HDB branch officer ，递交申请，hdb会酌情考虑的。[DengWei (4-23 16:59, Long long ago)]
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(引用 DengWei:当然可以考虑男方和父母一起购买二手组屋under non-citizen family scheme, 同时女方一人付5%ABSD买公寓，这个都要在结婚前搞定。结婚后�...)只是不加名字就可以？难道不会逼迫你卖掉其中一个吗？[小叶女贞 (4-23 17:01, Long long ago)] [ 传统版 | sForum ][登录后回复]14楼
(引用 小叶女贞:只是不加名字就可以？难道不会逼迫你卖掉其中一个吗？)之前问过hdb,楼上的情况，女方是公民肯定不用卖。女方是PR,很多hdb的客户服务专员都不敢回答，推给hdb branch office，应该在买房前一起去hdb branch office 问清楚最好，或者提早写信给hdb，拿到他们的回复作为证据。但我个人觉得是没有问题的。 [本文发送自华新手机Wap版] [DengWei (4-23 17:59, Long long ago)] [ 传统版 | sForum ][登录后回复]15楼
建议一步到位，不要hdb那点实惠如果现金流ok，直接预算2m的condo或者便宜便宜的landed，不要买hdb了，还占了一套的名额。 [本文发送自华新iOS APP] [轩陵 (4-23 20:52, Long long ago)] [ 传统版 | sForum ][登录后回复]16楼