买房求助

祖国万岁 · 发表于 29-8-2006 17:47:00|来自：新加坡

手头上有点现金，但是不多，我是pr，老公新加坡人，我们第一次买房，是向hdb申请好呢？还是找中介买二手房好？另外，到底手头上最少要有多少现金买房比较好呢？一定要存到8-10万够装修，买家电等等吗？偶觉得我老公不具有理财方面的，按他的想法，要存到那么多才去看房子，偶好郁闷，所以请教各位，到底是偶老公的想法对呢？还是有更好的建议？

谦纭 · 发表于 29-8-2006 18:37:00|来自：新加坡

其实买一手房要装修，总花费跟二手房差不多吧。我家买房的时候现金才三万块。手上宽裕点再买当然舒服，不过早买房早担当，钱放在银行长不了多少利息。要是租房就等于帮人家供房。[em01]

[此贴子已经被作者于2006-8-29 18:39:40编辑过]

michael8330 · 发表于 29-8-2006 23:15:00|来自：新加坡

i agree[em05]

carolkoh · 发表于 30-8-2006 13:30:00|来自：新加坡

按michael的说法，一般手头现金在15-30,000即可

dimvar · 发表于 30-8-2006 13:09:00|来自：新加坡

量力而行,没有那么多钱就不必用8-10万装修

michael8330 · 发表于 31-8-2006 16:09:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用carolkoh在2006-8-31 15:28:00的发言： 谢谢michale.确实蛮疑惑的,他们本来是住三房的,2000年搬到现在的四房,我们查了房贷的事,是从2000.1.1日算起.可是现在他们头疼的是,之前的中介现在看来是帮倒忙了,本来原先的三房户主是他父亲的,房贷也是他父亲的CPF户头还的,现在的四房却是四个人的名字在上面,依次是他父亲母亲我先生他妹妹,但实际上现在CPF还款的是我先生更麻烦的一点是,他们之前的三房换四房的手续,可能中间少了一个向政府交税的环节,卖三房时的税要交吧,估计他们没交,但upgrade成四房的grant估计却拿了,可这些都是中介帮他们弄的现在如果我们出去买新房,因为我真是不喜欢现在的楼层,而且装修方面毕竟不合自己的taste,那么就意味着他妹妹就得接手这套房子,因为他父母年纪都大了,而且他妹妹还得粘在这套房子上,不可以换其它的,除非想再upgrade成五房的,而依我看目前这种经济状况也不太允许,起码HDB房贷那关过不了,因为他妹妹现在选择的是自由职业,不知HDB会贷款给她吗,而且是不是就得一直拥有这套房子呀,真不懂这边的policy.谢谢</div>year 2000 already have credit assessment , so i think that time is due to the age and earning power of the parent , i think yr husband and u are  still entitle for 40k grant , u go to branch office and tell them that u want withdraw yr husband's name in this 4 rm flat and after that ask them is yr husband still consider a first timer? (reason: now the 4rm flat got 2 hsehold= parent+ sister[1] and husband + u[2] )as long as still under first timer , u can apply for 40k (near parent)can call them up and check also 1800-8663066 ask to redirect to the branch office of yr area.hdb will still give loan to yr sister provide  she is able to produce the 2 year of income tax statement.

carolkoh · 发表于 31-8-2006 15:28:00|来自：新加坡

谢谢michale.确实蛮疑惑的,他们本来是住三房的,2000年搬到现在的四房,我们查了房贷的事,是从2000.1.1日算起.可是现在他们头疼的是,之前的中介现在看来是帮倒忙了,本来原先的三房户主是他父亲的,房贷也是他父亲的CPF户头还的,现在的四房却是四个人的名字在上面,依次是他父亲母亲我先生他妹妹,但实际上现在CPF还款的是我先生更麻烦的一点是,他们之前的三房换四房的手续,可能中间少了一个向政府交税的环节,卖三房时的税要交吧,估计他们没交,但upgrade成四房的grant估计却拿了,可这些都是中介帮他们弄的现在如果我们出去买新房,因为我真是不喜欢现在的楼层,而且装修方面毕竟不合自己的taste,那么就意味着他妹妹就得接手这套房子,因为他父母年纪都大了,而且他妹妹还得粘在这套房子上,不可以换其它的,除非想再upgrade成五房的,而依我看目前这种经济状况也不太允许,起码HDB房贷那关过不了,因为他妹妹现在选择的是自由职业,不知HDB会贷款给她吗,而且是不是就得一直拥有这套房子呀,真不懂这边的policy.谢谢

michael8330 · 发表于 31-8-2006 13:51:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用carolkoh在2006-8-31 13:31:00的发言： thanks michael.my husband is a singaporean too, and we also want to buy our own hdb flat in a year. now we have to wait for my hubby's sis to transfer housing payment back onto his cpf account, and she thought it would take a year or so for her to prepare the total amount. u know, the current hdb flat we're sharing with his parents and sis is on my husband's account,that is, we can just take  grant of 30k at most next time, and very probably we have to buy second hdb flat in resale market cos it's not easy to have a nice hdb new flat directly in a hurry. hope to get your help then. thanks for your kindness and enthusiasm.</div>u better do a proper check on yr status (first timer or upgrader) , remember to do a proper transfer to the sis. and u will still be able to get a 40k (buy near parent) for resale flat.

carolkoh · 发表于 31-8-2006 13:31:00|来自：新加坡

thanks michael.my husband is a singaporean too, and we also want to buy our own hdb flat in a year. now we have to wait for my hubby's sis to transfer housing payment back onto his cpf account, and she thought it would take a year or so for her to prepare the total amount. u know, the current hdb flat we're sharing with his parents and sis is on my husband's account,that is, we can just take  grant of 30k at most next time, and very probably we have to buy second hdb flat in resale market cos it's not easy to have a nice hdb new flat directly in a hurry. hope to get your help then. thanks for your kindness and enthusiasm.

michael8330 · 发表于 31-8-2006 11:57:00|来自：新加坡

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用carolkoh在2006-8-31 11:38:00的发言： hi michael, her hubby is a singaporean.</div>more worse, i am singaporean also, i will  scare also, (esp. those 35- 50 year old singaporean will feel the pressure) all the india and china immigrants are talents , then the governement will let them in, our job will get replace by them also,now even property agent also got china fellow doing also. [em01]in fact , if her husband is singaporean , he can take grant either 30k or 40k, + a bit of cpf + cash money , u are very comfortable to get a 3 room or 4 room. should not have any problem.

[此贴子已经被作者于2006-8-31 11:59:22编辑过]

买房求助

发表回复

精选推荐