michael8330

QUOTE: 以下是引用 gougouzhu 在2007-1-6 14:13:00的发言：

hi michael我准备买房了. 之前听朋友讲说2001年左右新建的HDB质量不太好,请问是这样的吗?

还有我已经和中介联系过了,但是我还没有联系banker,但我的中介说他会帮我做评估预算之类的事情. 请问这种情况下我是否还需要自己去找banker? 你能帮我推荐好的banker吗? 谢谢了 [em17]

hi michael我准备买房了. 之前听朋友讲说2001年左右新建的HDB质量不太好,请问是这样的吗?

i never heard anything like this before, if u tell me 1965-1980 , the flat 质量 not so good i agree cause at that time, hdb had to speed up in order to get more ppls to stay in flat, (those village/kampong/re-settlement time). i heard with 10 month one hdb blk is ready built and can stay people.

还有我已经和中介联系过了,但是我还没有联系banker,但我的中介说他会帮我做评估预算之类的事情. 请问这种情况下我是否还需要自己去找banker? 你能帮我推荐好的banker吗? 谢谢了

property agent can look hse for u , i think this is ok, when come to bank loan/rate/enquiry, best is u can get one banker and do the caculation for u so that u will know how much u can afford to buy. at present moment , dbs give the best rate ,  i will PM u the contact.

錢哆哆

我想买ＡＮＧ　ＭＯ　ＫＩＯ　３＋１或者４房的，高层带电梯层最好。３开头或者６字头的为佳，请问<strong><font face="Verdana" color="#61b713">michael8330　是中介吗？可以帮忙找找？</font></strong>

杰森

以下是引用[I]谦纭[/I]在2006-12-9 15:54:00的发言：[BR]<p>非常感谢，我昨天打电话咨询了OCBC，下个星期可能会再联系。但听你这么说，得再观望一阵了。也不知道利率什么时候会再调。 </p><p>DBS的配套似乎目前没有改动。OCBC的续定配套似乎是根据贷款额量身定做的。上次咨询的14万贷额三年配套，6个月0利息，18个月3.66%，最后6个月浮动。和DBS现有的相差无几。 </p><p>本来想填进4万现金的，重新估算发现三年后填现金的计划反而亏几千块，所以选择只缩短贷款年限。再者，如果填太多现金，三年后剩余贷款少于各银行最低额，就会失去其他银行HDB配套的选择权。 </p><p>假设14万贷款10年，每月还1400，我们的CPF有1200，填补cash是200吗？还是用cash还会更贵，超过200？因为听说还现金会高过不足公积金额，所以不确定。</p>[em27][em27]

俺和你的情形差不多，用的也是OCBC的配套，现在利率高的邪门-3.75%,重新申请再配套是啥意思，费用大概多少？谢谢

michael8330

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>錢哆哆</i>在2007-1-7 12:34:00的发言：</b><br/>我想买ＡＮＧ　ＭＯ　ＫＩＯ　３＋１或者４房的，高层带电梯层最好。３开头或者６字头的为佳，请问<strong><font face="Verdana" color="#61b713">michael8330　是中介吗？可以帮忙找找？</font></strong></div><p></p>if my agent have the above-mention property on hand , will get them to contact u.

michael8330

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>xing963</i>在2007-1-7 12:52:00的发言：</b><br/><p>thx</p><p>nice post</p></div><p><font size="4">谢谢</font></p>

錢哆哆

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>michael8330</i>在2007-1-8 21:51:00的发言：</b><br/><p></p>if my agent have the above-mention property on hand , will get them to contact u.</div><p>谢谢！希望尽快能找到我需要的房子。。</p>

michael8330

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>杰森</i>在2007-1-8 2:02:00的发言：</b><br/><div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用[I]谦纭[/I]在2006-12-9 15:54:00的发言：[BR]<p>非常感谢，我昨天打电话咨询了OCBC，下个星期可能会再联系。但听你这么说，得再观望一阵了。也不知道利率什么时候会再调。 </p><p>DBS的配套似乎目前没有改动。OCBC的续定配套似乎是根据贷款额量身定做的。上次咨询的14万贷额三年配套，6个月0利息，18个月3.66%，最后6个月浮动。和DBS现有的相差无几。 </p><p>本来想填进4万现金的，重新估算发现三年后填现金的计划反而亏几千块，所以选择只缩短贷款年限。再者，如果填太多现金，三年后剩余贷款少于各银行最低额，就会失去其他银行HDB配套的选择权。 </p><p>假设14万贷款10年，每月还1400，我们的CPF有1200，填补cash是200吗？还是用cash还会更贵，超过200？因为听说还现金会高过不足公积金额，所以不确定。</p>[em27][em27]</div>俺和你的情形差不多，用的也是OCBC的配套，现在利率高的邪门-3.75%,重新申请再配套是啥意思，费用大概多少？谢谢</div><p>重新申请再配套是啥意思，费用大概多少？</p><p>re-finance</p><p>from the same bank they will charge a 500S$ process fee and they may lock u in for another 2-3 year.</p><p>from different bank , u will incurre legal fee around $1500-$2000 and also a lock in period of 2-3 year , depend on bank. (normally different bank the interest-rate offer is much better)</p><p>most important for refinance , u must make sure that yr present loan is no longer lock-in. i.e. already past 2-3 year (depend on yr loan package). than it will not incurre additional&nbsp;cost. and also u will not be selling for the next 2-3 year.</p><p>get one banker to do a calculation for u and compare the money save it is worth to make the switch and been lock in again.&nbsp;</p>

kuanfai

<p>Hi Micheal, we are intending to buy a 3 room flat from JTC now. But the valuation price is $7000 higher than our next door neighbour who just moved into it on last July. Besides I checked the resale price from the HDB website, the price in the past few months is almost the same with our neighbour. However our rennovation is so much different than our neighbour. I am wondering why the price gains so much in less one year? And after the JTC valuation, could it be higher than it? </p><p>Thanks for your kind help. </p>

[此贴子已经被作者于2007-1-9 10:43:14编辑过]

michael8330

<font size="4"><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><font face="Arial"><b><span style="FONT-SIZE: 12pt;">the below is from IRAS.</span></b></font></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><font face="Arial"><b><span style="FONT-SIZE: 12pt;"></span></b></font></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><font face="Arial"><b><span style="FONT-SIZE: 12pt;">CLARIFICATION ON STAMP DUTY TREATMENT FOR HDB RESIDENTIAL RESALE FLATS</span></b></font></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><font face="Arial"><b><span style="FONT-SIZE: 12pt;"><span style="FONT-SIZE: 13pt;"></span></span></b></font>&nbsp;</p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-SIZE: 12pt;"><span style="FONT-SIZE: 13pt;"><font face="Arial"><font size="2">With the withdrawal of the deferment concession with effect from 15 <span style="LETTER-SPACING: -0.45pt;">December 2006,&nbsp; the purchasers of HDB resale flats are required to stamp the Option to Purchase within 14 days after the date of acceptance.</span></font></font></span></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-SIZE: 12pt;"><span style="FONT-SIZE: 13pt;"><span style="LETTER-SPACING: -0.45pt;"><font face="Arial" size="2"></font></span></span></span>&nbsp;</p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-SIZE: 12pt;"><span style="FONT-SIZE: 13pt;"><span style="LETTER-SPACING: -0.45pt;"><font face="Arial"><font size="2">We understand that under current HDB's resale procedure and the provision <span style="FONT-SIZE: 13pt; LETTER-SPACING: -0.45pt;">under Section 50 of the Housing And Development Act Cap. 129, no HDB flat </span><span style="FONT-SIZE: 13pt; LETTER-SPACING: -0.15pt;">can be sold, leased, mortgaged or disposed of without the prior written </span><span style="FONT-SIZE: 13pt; LETTER-SPACING: -0.4pt;">consent of the Board. It may take up to 6 to 8 weeks to obtain written consent following the signing of the Option and submission of resale application.</span></font></font></span></span></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-SIZE: 12pt;"><span style="FONT-SIZE: 13pt;"><span style="LETTER-SPACING: -0.45pt;"><span style="FONT-SIZE: 13pt; LETTER-SPACING: -0.4pt;"><font face="Arial" size="2"></font></span></span></span></span>&nbsp;</p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-SIZE: 12pt;"><span style="FONT-SIZE: 13pt;"><span style="LETTER-SPACING: -0.45pt;"><span style="FONT-SIZE: 13pt; LETTER-SPACING: -0.4pt;"><span style="FONT-SIZE: 13pt;"><font face="Arial" size="2">In order to ease purchasers'. compliance, and as an administrative <span style="LETTER-SPACING: -0.35pt;">concession, late stamping penalty will be waived if the purchasers of HDB resale flats stamp their Option to Purchase within 14 days after the date of HDB's in-principle approval. This administrative concession is applicable to </span>HDB resale flats subject to HDB's approval and takes effect from 15 December 2006</font></span></span></span></span></span></p></font><font size="4"></font>

michael8330

<font size="4"><p>stamp duty</p><p>yesterday i talk to my lawyer regard the new rule about stamp duty (for those purchase after 15/12/2006 will be&nbsp;&nbsp;受影响).</p><p>1. before this , the cash use to pass to the lawyer 2 week before the completion i.e. around the 4th week after the first appointment if yr completion is fix on the 6th week.</p><p>2. now the stamp duty new rule mention (until today), have to pay up within 14 day after the approval is obtain from the hdb(normally will be 7-10 day after the first appointment), and cpf board need 3 week to be able to process and draw out the money from yr cpf account.</p><p>a) cpf rich(more than 5% cpf) - those using cpf money to pay the stamp duty may have to pay penalty of S$100-S$200(due to late payment of the stamp duty to iras.) </p><p>b) cpf have less than 5%- those using cash have to arrange the stamp duty (around 2% of the selling price) to be pay within 10 day after obtain the approval.</p><p>c) if u want cpf board to release the cpf fund for stamp duty, all the cash involve have to be pay and receipt have to be show.( the lawyer will arrange for all this) </p><p>all the above is 暂时 措施only , i believe the iras/ cpf will work out something. and i will update in due course.</p><p>how to caculate the stamp duty</p><p>the first 180K, 1%</p><p>the next 180K 2%</p><p>thereafter 3%</p><p>example 1 :- 200k purchase price </p><p>the stamp duty will be $1800 (180k X 1%) + $400 (20k X2%) = $2200</p><p>example 2:- 300k purchase price.</p><p>the stamp duty will be $1800 (180k X 1%) + $2400 (120k X2%) = $4200</p></font><font face="Arial" size="2"></font>

[此贴子已经被作者于2007-1-9 22:04:40编辑过]