mangosteen

请教楼主一个问题：我们在JURONG WEST 看了一套房子，是翻新过的，可是翻新费还没交，HDB网站公布这一带的组屋翻新费是10月20号BILLING.那我们现在定下买房子的话，还是房东付费。请问HDB的消息是准确的吗？可能延误的可能性大吗？

michael8330

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>askforhelp</i>在2007-8-8 18:11:00的发言：</b><br/><p></p><p>Alright. Got it. Thanks!</p><p>Another small question: If I decide to buy a HDB flat with my mother (ltsvp), is my mother required to present in 1st appointment or 2nd appointment and sign any legal document? </p><p></p><br/></div><p></p><p>no need to be present, just need to take doucement to show the officer.</p>

michael8330

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>yes-or-no</i>在2007-8-9 14:21:00的发言：</b><br/><p><span lang="EN-US" style="mso-fareast-font-family: SimSun;"><font face="Times New Roman">A very good Post. Very informatic!<p></p></font></span></p><p></p><p></p><p><span lang="EN-US" style="mso-fareast-font-family: SimSun;"><font face="Times New Roman">I own a HDB 4-Room flat and now consider to buy a resale EC. I have called HDB but was told that I can buy the resale EC but I must stay in my current 4-Room flat. <p></p></font></span></p><p></p><p></p><p><span lang="EN-US" style="mso-fareast-font-family: SimSun;"><font face="Times New Roman">However, my initial plan is to rent out the 4-room flat and stay in the resale EC. Obviously the rule is against my plan. And thus I need to seek advice from you:<p></p></font></span></p><p></p><p></p><p><span lang="EN-US" style="mso-fareast-font-family: SimSun;"><font face="Times New Roman">1) If I stick to my plan, staying in the resale EC and rent out the 4-room flat, how big the risk can be? Is it&nbsp;possible to get spot by HDB, if I don't seek HDB approval for rent out? I believe they seldom knock and walk in to do a surprise check, did they?<p></p></font></span></p><p></p><p></p><p><span lang="EN-US" style="mso-fareast-font-family: SimSun;"><font face="Times New Roman">2) Prepared for the worst, if HDB find out that I stay in the EC and rent out the 4-rm flat, what is the consequence? Will they force me to sale my 4-Room flat?<p></p></font></span></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="EN-US"><font face="Times New Roman">3) I have already paid up the loan for my 4-room flat with my CPF and Cash top up. So when I purchase the EC, can I still use my CPF to service the monthly installment? I wish it has no conflicts with CPF restriction on financing for multiple properties.</font></span></p></div><p>have u buy yr 4 rm flat more than 3 year?</p><p>&nbsp;if yes, u should be able to get approval to rent yr hdb flat and stay in yr EC.</p><p>1. as long as the tenant don't make too much noise and get complaint from the neighbours, hdb is not so free come and knock door. [u can rent out 2 rooms to 2 tenant and go back to yr hdb on and off to do washing cloth or cook simple meals, hdb rule:- u must physical occupy hdb flat]</p><p>2. the penalty, for first timer , warning or 150% for the monthly rental or re-possession the flat[ illegal activity found inside the hse, gamble, brothel, and other]</p><p>3.after set aside of minimum sum of $47,300 [it will increase every year , check with cpf for the actual amount] u can use cpf to services the loan.</p>

yes-or-no

<p><span lang="EN-US" style="mso-fareast-font-family: SimSun;"><font face="Times New Roman">A very good Post. Very informatic!<p></p></font></span></p><p><span lang="EN-US" style="mso-fareast-font-family: SimSun;"><font face="Times New Roman">I own a HDB 4-Room flat and now consider to buy a resale EC. I have called HDB but was told that I can buy the resale EC but I must stay in my current 4-Room flat. <p></p></font></span></p><p><span lang="EN-US" style="mso-fareast-font-family: SimSun;"><font face="Times New Roman">However, my initial plan is to rent out the 4-room flat and stay in the resale EC. Obviously the rule is against my plan. And thus I need to seek advice from you:<p></p></font></span></p><p><span lang="EN-US" style="mso-fareast-font-family: SimSun;"><font face="Times New Roman">1) If I stick to my plan, staying in the resale EC and rent out the 4-room flat, how big the risk can be? Is it&nbsp;possible to get spot by HDB, if I don't seek HDB approval for rent out? I believe they seldom knock and walk in to do a surprise check, did they?<p></p></font></span></p><p><span lang="EN-US" style="mso-fareast-font-family: SimSun;"><font face="Times New Roman">2) Prepared for the worst, if HDB find out that I stay in the EC and rent out the 4-rm flat, what is the consequence? Will they force me to sale my 4-Room flat?<p></p></font></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="EN-US"><font face="Times New Roman">3) I have already paid up the loan for my 4-room flat with my CPF and Cash top up. So when I purchase the EC, can I still use my CPF to service the monthly installment? I wish it has no conflicts with CPF restriction on financing for multiple properties.</font></span></p>

yes-or-no

以下是引用[I]michael8330[/I]在2007-8-9 15:48:00的发言：<br/><p>have u buy yr 4 rm flat more than 3 year?</p><p>if yes, u should be able to get approval to rent yr hdb flat and stay in yr EC.</p><p>1. as long as the tenant don't make too much noise and get complaint from the neighbours, hdb is not so free come and knock door. [u can rent out 2 rooms to 2 tenant and go back to yr hdb on and off to do washing cloth or cook simple meals, hdb rule:- u must physical occupy hdb flat]</p><p>2. the penalty, for first timer , warning or 150% for the monthly rental or re-possession the flat[ illegal activity found inside the hse, gamble, brothel, and other]</p><p>3.after set aside of minimum sum of $47,300 [it will increase every year , check with cpf for the actual amount] u can use cpf to services the loan.</p>

Thanks a lot for your information. <p></p><p>Yes. I have already stayed in the 4-Room flat for more than 3 years. However I am told by the HDB officer that only after I have completed the MOP of the 4-room flat, I am allowed to buy the resale EC but I must stay in my 4-room flat. </p><p>I believe maybe the actual practice is not as strict as the official regulation. Even though I own a resale EC, can I still get approval from HDB for renting out my 4-room flat if the MOP has been met? Maybe I can argue that I rent out both and stay with my relatives [em04]. </p><p>Thanks and very appreciated if you could give me some hinds on actual practice regarding below mentioned</p>

[此贴子已经被作者于2007-8-9 18:22:56编辑过]

liaoran

<p>need help: I am a PR, i bought a condominium recently, this is the second condo i bough, the OTP already signed, but the loan wasn't approved by bank, what should i do? </p>

michael8330

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>liaoran</i>在2007-8-13 15:50:00的发言：</b><br/><p>need help: I am a PR, i bought a condominium recently, this is the second condo i bough, the OTP already signed, but the loan wasn't approved by bank, what should i do? </p></div><p>1. u only put the option money of 1%?</p><p>2. or u have already ex. the option by paying the 4% to yr lawyer after the 2 week?</p><p>for no.1 , u only loss the 1% and the seller have nothing against u and the seller have the freedom to sell to other parties.</p><p>for no.2 mean u have already ex. the option and have enter into contract with the seller, </p><p>u can:-</p><p>a. get the buyer-agent to re-sell the apt for u asap,</p><p>b. inform the seller-agent that u want to resell this unit,</p><p>in the event , that u cannot get a buyer, after the agreed completion the owner have the right to get another buyer,</p><p>if the price is higher than what u paid than the seller only take away yr deposit, if seller sell lower than what u have pay for [within 1 year] , he is entitle to claim the losses against u.</p><p>if u like the condo very much , try to get other bank to finance u , maybe u have pay slight more up-front.</p><p>for legal issue, please get yr lawyer to advise u.</p><p></p>

[此贴子已经被作者于2007-8-15 10:18:14编辑过]

爱吃猫的鱼

<p>Michael，你好!</p><p>我本人最近刚刚成为新加坡公民，太太是新加坡PR, 我母亲持有5年期的LSVP, 我在新加坡已经工作6年，我太太跟我母亲都是最近才来新的.</p><p>由于我跟太太最近2年来婚姻生活一直不理想，今后也有可能会离婚，因为不了解新加坡关于政府租屋的产权分配所以想请教几个问题.</p><p>1) 我的情况是否可以跟我母亲联名购买租屋而不是跟我太太联名, 跟我母亲联名的话我是否还可以购买新租屋或者获得3万元的政府津贴.</p><p>2) 如果政府允许我跟我母亲联名购买租屋，那么如果将来我跟太太离婚，房子是否还可以保留.</p><p>3) 如果上面的2个条件不成立，假设我必须跟我太太联名购买租屋，那么我是否可以把我母亲的名字也一起写进去， 就是说我母亲会跟我一起居住。</p><p>由于最近就要买房子，所以想了解一些这些细节问题，希望您可以不吝赐教，感激不尽!!!</p><p>&nbsp;</p>

[此贴子已经被作者于2007-8-17 15:48:02编辑过]

michael8330

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>爱吃猫的鱼</i>在2007-8-17 15:46:00的发言：</b><br/><p>Michael，你好!</p><p>我本人最近刚刚成为新加坡公民，太太是新加坡PR, 我母亲持有5年期的LSVP, 我在新加坡已经工作6年，我太太跟我母亲都是最近才来新的.</p><p>由于我跟太太最近2年来婚姻生活一直不理想，今后也有可能会离婚，因为不了解新加坡关于政府租屋的产权分配所以想请教几个问题.</p><p>1) 我的情况是否可以跟我母亲联名购买租屋而不是跟我太太联名, 跟我母亲联名的话我是否还可以购买新租屋或者获得3万元的政府津贴.</p><p>2) 如果政府允许我跟我母亲联名购买租屋，那么如果将来我跟太太离婚，房子是否还可以保留.</p><p>3) 如果上面的2个条件不成立，假设我必须跟我太太联名购买租屋，那么我是否可以把我母亲的名字也一起写进去， 就是说我母亲会跟我一起居住。</p><p>由于最近就要买房子，所以想了解一些这些细节问题，希望您可以不吝赐教，感激不尽!!!</p><p>&nbsp;</p><br/></div><p><font color="#ff0000" size="4">1. once u are married in singapore u have&nbsp;to[must] include yr wife, minimum as occupier [ u can include yr mother as occupier also , it will not effect anything to include or exclude yr mother] in another word, u can be the only owner of the hse, but yr wife cpf [OA Account]cannot be use to service the loan and next time when u sell the hse , she have to sign the 'spouse consent form' if u are still with her.</font></p><p><font color="#ff0000" size="4">2. u can retain the hse as long as u can form a family.[non-citizen family scheme]</font></p><p>copy and paste for hdb website:-</p><p>The Non-Citizen Family Scheme allows a single citizen with non-citizen family members to buy an HDB flat from the open market. If you wish to buy a resale flat under the Non-Citizen Family Scheme, you must meet the following eligibility conditions:<br/><br/><b><font color="#a16252">Citizenship</font></b><br/>You must be a Singapore Citizen.<br/><br/><b><font color="#a16252">Age</font></b><br/>You must be at least 21.<br/><br/><b><font color="#a16252">Family Nucleus</font></b><br/>You must form a family nucleus, such as:<font color="#ff00ff">
                </font></p><ul><li type="disc">Your parents and siblings; or </li><li type="disc">Your children under your legal custody, care and control (for widowed, divorced or separated persons).</li></ul><p><br/>The non-citizen family member listed as occupier must have a social visit pass (including work permit) of at least 6 months.<br/><br/>If the social visit pass expires during the resale transaction, you have to produce the renewed social visit pass at the point of completion of the resale transaction.<br/></p><p>3. please refer to point 1<br/></p>

tke0125

我想找两房一厅，有吗？