夕阳剪影

我感觉楼主对新加坡房屋政策的了解相当薄弱

老鼠爱小米

公民只能拥有一套组屋。
可以跟HDB买2次。

sg12345

那估计可能会考虑直接去买公寓了。因为我目前的组屋不管是位置（MRT5分钟）还是户型（4A，门对门），都相当不错。将来出租应该很容易。

换去公民，最大的动因还是为了孩子。由于目前的组屋，只是有一间比较好的伊丽莎白公主小学在1公里之内，还不够满意的。那公寓只能去拼名校了，突然发现EC其实满少的，同地段EC跟私人公寓价格差别能有多大呢？

买私人公寓或者二手EC能够使用CPF么？
另外，好像之前在网上一个地方看到说公寓（公寓或者二手EC）贷款使用CPF有限制，需要留下最低限额（刚公布标准接近14万），才能使用多余的CPF？

JackieHu

老鼠爱小米 发表于 31-5-2012 20:06
公民只能拥有一套组屋。
可以跟HDB买2次。

请问版主， 先买的组屋，后买的公寓。 如果这时组屋要被拆迁，还可以作为拆迁户拿新组屋吗？ 还是必须卖掉公寓？

good99

talkingtom 发表于 31-5-2012 17:36
你对上诉的文字理解错误。那个文字是说，公民一生可以2次跟HDB直接买房子，包括HDB，DBSS和EC。买2手房子拿 ...

同意
那些房子都是被政府大量津贴的；政府给你两次机会赚、但同时只能拥有一个

sg12345

JackieHu 发表于 1-6-2012 11:13
请问版主， 先买的组屋，后买的公寓。 如果这时组屋要被拆迁，还可以作为拆迁户拿新组屋吗？ 还是必须卖 ...

同问

sg12345

谢谢夕阳剪影，  关于“7月1号起oa+sa 最少69500，超过部分才能用来还第二套房贷”，能帮忙提供资料来源么？
另外，CPF只能动用OA来偿还贷款吧？

sg12345

Q:            I have used CPF to buy a property and the housing loan is still outstanding on this first property. How can I use my CPF to buy a second or subsequent property?

   A:        

You may use the excess savings in your Ordinary Account to pay for the second or subsequent property after you have:
(i) set aside half of the prevailing Minimum Sum in your Ordinary and Special Accounts, and

(ii) paid the following in cash:

    (a) the first 10% of the valuation limit (VL)* and
    (b) cash over valuation (COV)^, if any.  

* VL is the lower of property price or property value at the time of purchase.
^ COV is the difference between the property price and property value.

Example:  If you are buying a property at above property value

(a) Property Price         = $500,000
(b) Property Value         = $490,000
(c) Valuation Limit (VL)         = $490,000
(d) Cash Over Valuation (COV)
      (a) – (b)
        = $10,000
(e) Required cash down payment
      (10% of VL)
        = $49,000
(f) Maximum Bank Loan         = 60% of VL
        = $294,000

In this case, you have to pay cash of $59,000. The balance of $441,000 can be financed with a housing loan and your CPF Ordinary Account savings.
         
       
         

   Q:            I am a first time home buyer. How can my CPF savings be used towards the purchase of a private property?

   A:        
You may use your Ordinary Account savings to pay for the property after you have paid the following in cash:

(a) the first 5% of the valuation limit (VL)* and
(b) cash over valuation (COV)^, if any.

* VL is the lower of property price or property value at the time of purchase.
^ COV is the difference between the property price and property value.

Example:  If you are buying a property at above property value
(a) Property Price         = $500,000
(b) Property Value         = $490,000
(c) Valuation Limit (VL)         = $490,000
(d) Cash Over Valuation (COV)
      (a) – (b)
        = $10,000
(e) Required cash down payment
      (5% of VL)
        = $24,500
(f) Maximum Bank Loan         = 80% of VL
        = $392,000

In this case, you have to pay cash of $34,500. The balance of $465,500 can be financed with a housing loan and your CPF Ordinary Account savings.

看了这个头也大了，我现在的组屋已经还清贷款，办完了最后的手续了。买了也快6年了。
想保留组屋出租，再买公寓自住，是不是说我最多只能贷款60%？而且CPF里面还要先满足留出69500（half of the prevailing Minimum Sum in your Ordinary and Special Accounts）才能使用OA里多出的CPF还银行贷款？

freesoul99

看了这个头也大了，我现在的组屋已经还清贷款，办完了最后的手续了。买了也快6年了。
想保留组屋出租，再买公寓自住，是不是说我最多只能贷款60%？

组屋贷款还清买公寓可贷80%

而且CPF里面还要先满足留出69500（half of the prevailing Minimum Sum in your Ordinary and Special Accounts）才能使用OA里多出的CPF还银行贷款？

是

sg12345

谢谢
那我的情形相当于上面的 “ I am a first time home buyer. How can my CPF savings be used towards the purchase of a private property?”那种答复么？

可能直接给HDB发封邮件询问一下比较妥当。