我该如何还房款？

雨阳

我和老公中国人，没有入PR，故没有CPF。两三年之后可能会考虑入PR. 刚买了一套公寓，60万，除去交各种费用，现在手里有34万现金。我们平常也有投资些基金什么的，一般2万以内，长线投资。我们打算贷款30万，10年付清。去DBS网站上查了一下，差不多每月还不到3000，当然我们要全部用现金了。大家觉得这么做合适吗？

liuyi_ass

<p>这也算是一个投资.同时还房子住.一举两得:)</p>

sandy123

雨阳，你买的公寓也是the centris吗？

bluesky77

<p>贷款30万，10年付清，每个月不到3千？</p><p>哪家银行的利息这么低？</p>

雨阳

以下是引用[I]sandy123[/I]在2007-2-21 20:45:00的发言：[BR]雨阳，你买的公寓也是the centris吗？

不是。觉得centris的朝向好像不太好

雨阳

<p><font color="#f70909"><u>OCBC </u></font></p><p></p><table cellspacing="1" cellpadding="0" width="550" align="center" border="0"><tbody><tr class="Header1"><td>Amount of Loan </td><td class="style2">&nbsp; SGD 300,000.00</td><td>&nbsp;Term of Loan </td><td>&nbsp; <span class="style2">10 years</span></td></tr></tbody></table><table cellspacing="0" cellpadding="0" width="550" align="center" border="0"><tbody><tr><td colspan="7" height="7"></td></tr><tr class="Header" align="center"><td width="43">Year</td><td width="65">(%) of<br/>Interest *</td><td width="84">Monthly<br/>Instalment </td><td width="108">Total Interest Paid<br/>for the Year</td><td width="108">Total Principal Paid<br/>for the Year</td><td width="142">Outstanding Principal at<br/>the End of the Year</td></tr><tr><td colspan="7" height="8"></td></tr></tbody></table><table cellspacing="0" cellpadding="0" width="550" align="center" border="0"><tbody><tr class="cellHT" align="center" bgcolor="#faf7f7" height="5"><td width="43">1</td><td width="65">3.25</td><td class="MonthlyPayMent" width="84">$2,931.57</td><td width="108">$9,367.78</td><td width="108">$25,811.07</td><td width="142">$274,188.93</td></tr></tbody></table><table cellspacing="0" cellpadding="0" width="550" align="center" border="0"><tbody><tr class="cellHT" align="center" height="5"><td width="43">2</td><td width="65">3.50</td><td class="MonthlyPayMent" width="84">$2,963.27</td><td width="108">$9,176.05</td><td width="108">$26,383.23</td><td width="142">$247,805.70</td></tr></tbody></table><table cellspacing="0" cellpadding="0" width="550" align="center" border="0"><tbody><tr class="cellHT" align="center" bgcolor="#faf7f7" height="5"><td width="43">3</td><td width="65">3.75</td><td class="MonthlyPayMent" width="84">$2,991.84</td><td width="108">$8,830.57</td><td width="108">$27,071.48</td><td width="142">$220,734.21</td></tr></tbody></table><table cellspacing="0" cellpadding="0" width="550" align="center" border="0"><tbody><tr class="cellHT" align="center" height="5"><td width="43">4</td><td width="65">3.75</td><td class="MonthlyPayMent" width="84">$2,991.84</td><td width="108">$7,797.76</td><td width="108">$28,104.30</td><td width="142">$192,629.92</td></tr></tbody></table><table cellspacing="0" cellpadding="0" width="550" align="center" border="0"><tbody><tr class="cellHT" align="center" bgcolor="#faf7f7" height="5"><td width="43">5</td><td width="65">3.75</td><td class="MonthlyPayMent" width="84">$2,991.84</td><td width="108">$6,725.54</td><td width="108">$29,176.51</td><td width="142">$163,453.40</td></tr></tbody></table><table cellspacing="0" cellpadding="0" width="550" align="center" border="0"><tbody><tr><td height="7"></td></tr></tbody></table><table cellspacing="0" cellpadding="0" width="550" align="center" border="0"><tbody><tr><td class="style2" colspan="3">&nbsp; Monthly Instalment amount will remain constant from Year 5 to the end of the loan repayment period.</td></tr><tr><td colspan="3" height="7"></td></tr><tr class="Header2"><td width="20"></td><td width="270">Total Payments Towards Interest / Principal</td><td class="FinalResult" width="260">$57,954.55 / $300,000.00</td></tr><tr class="Header2"><td></td><td>Total Principal Plus Interest Paid</td><td class="TotalResult">$357,954.55</td></tr></tbody></table>

雨阳

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>bluesky77</i>在2007-2-22 12:12:00的发言：</b><br/><p>每个月还3千现金真的很多啊，如果LZ也是工薪阶层的话，这10年内LZ要求神拜佛，希望新加坡经济一直大好，公司不要裁员，节衣缩食，自己也不会有什么意外的开销。当然，如果LZ rich in cash, 那就另当别论了。</p><p>等高人指点！</p></div><p></p>是这么打算的：万一老公失业，我一个人的工资应该够还贷款和日常生活。万一两人都失业，新加坡也就没什么好待的了，就卖掉房子滚回中国了，

[此贴子已经被作者于2007-2-22 13:12:22编辑过]

olive2005

it is floating rate. can change to very high. if you take the fix rate, the interest rate is about 4%. I think use 4% to calculate is more realistic.