【房屋】免费咨询租房/买房/卖房/出租/房款等各种问题-第75页-投资理财-新加坡狮城论坛

michael8330 LV5

发表于 28-11-2007 14:28:00 | 显示全部楼层

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用桔子树在2007-11-28 13:34:00的发言： 想问下铜牌：我和老公现在都是PR,我拿到一年半，老公今年七月刚刚拿到，然后在九月份我们辞职回国住了两个月，十一月份回到新加坡后老公现在已经在新公司开始工作，我将于十二月份开始进入新公司。。两个人的月入底薪＋commision六千左右。。我们的情况现在可以买二手组屋吗？申请贷款会不会很难？我们问的中介说银行贷款要求出示的六个月薪水单要求是同一公司的，我们本来是计划近期就买房子的。。现在觉得好像自己条件不够。。希望给点建议。。谢谢你哦^_^</div>可以买二手组屋.
get one banker and get in-principle approval from the bank. [ if yr 'new company' is belong to MNC, ex. citibank, NTU ,NUS, Temasek holding etc.,] u just need to show them yr employment letter [ in yr case , u may not have cpf statement, or payslips] , i think should be good enough, should be able to loan up to minimum 80% of the hse loan.
no harm trying.[em01]

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michael8330 LV5

发表于 28-11-2007 14:30:00 | 显示全部楼层

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用桔子树在2007-11-28 13:47:00的发言： ah~~~sorry,I sent the msg to wrong place...but really appreciate if michael8330 can give us some advice about our problem...can our problem be solved by this situation? thanks..</div>[em06][em01][em05]

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liumao LV4

发表于 28-11-2007 17:06:00 | 显示全部楼层

during the 14 days(aft OTP before exe) ,buyer can quit or not?thanks.

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michael8330 LV5

发表于 28-11-2007 18:37:00 | 显示全部楼层

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用liumao在2007-11-28 17:06:00的发言： during the 14 days(aft OTP before exe) ,buyer can quit or not?thanks.</div>can , the option fee will be forfeit.

[此贴子已经被作者于2007-11-29 10:11:58编辑过]

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michael8330 LV5

发表于 28-11-2007 15:09:00 | 显示全部楼层

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用liumao在2007-11-28 13:56:00的发言： cau u tell me means of OTP ,in OTP duty of seller and buyer?thks</div>otp==> option to purchase.The Option to Purchase provides buyers with an option period of 14 days to consider their prospective purchase. During this period, they can check on their eligibility, financing aspects, etc. before deciding whether to proceed with the purchase. Upon exercising the Option to Purchase, a binding contract is entered into between the seller and the buyer for the sale and purchase of the flat. The buyer and seller can then submit their resale application to HDB for processing.in the event that the buyer back out of the sale :-during the option period:- [during the 14 days] , the option pay to the seller will be forfeiture, and there will be no claims against each parties. [ clause 4 and clause 6 of the HDB standard option to purchase]during the period where the 14 day have pass and ex. fee have already paid:-  under singapore law society of singapore's condition of sale 1999, clause 29.9:- the following term apply to the vendor's  right to re-sell the property: a) if on any re-sale contracted within one year after the date fixed for completion the vendors incurs a loss, the purchaser must pay to the vendor as liquidated damages, the amount of such loss;b) the liquidated damages payable by the purchaser will include all costs and expense reasonably incurred in any such re-sale or any attempted re-ale but the vendor must give credit for any deposit and any money paid on account of the purchase price, and,c) the vendor will be entilted to retain any surplus money from the re-sale .in short , if the buyer back-out from the sale after the 14 day cooling off  period , and the seller re-sale the hse within one year and incurre loss, the seller can claim the buyer , if the seller manage to sell higher price , the seller will keep the surplus.duty of seller:-once the seller sign the otp, he have no right not to sell the hse.a) the buyer can sue for 'specific performance', i.e. request the high court to 'force' the seller to sell the hse to u,b) sue for liquidated damages.

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michael8330 LV5

发表于 29-11-2007 10:17:00 | 显示全部楼层

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用桔子树在2007-11-28 22:31:00的发言： so fast got the answer...thanks ..really help us a lot..we ll try^_^[em17][em17][em04][em04]</div><div> </div><div>老鼠版主 want me to work harder , so i think i have to work harder lor.</div><div> </div><div>i will try my best to give answer asap, accurate and updated.</div><div> </div>[em01]

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kidult饰品居 LV5

发表于 30-11-2007 14:06:00 | 显示全部楼层

楼主真是好人<img title="dvubb" alt="图片点击可在新窗口打开查看" src="http://bbs.sgchinese.com/Skins/Default/emot/em02.gif" align="middle" border="0"/>我也有几个问题想要请教你。1.SC+PR工作2年左右，2个人的月薪不到6000适合买HDB吗？考虑到还贷这些。如果是SC+SC，比较SC+PR有什么优惠吗？2.二手房买后多久可以出租？3.因为准备1-2年后去国外继续读书，到时候没有CPF，想通过收租金的方式还贷可以吗？4.如果是SC+SC，买250K左右的房子，90％可以向HDB贷款吗？如果不可以，首期要付多少？其中多少%得付现金呢？现在房子的租金是越来越贵，就考虑着自己买房子租给别人，不知道行得通不。不好意思哦，如果问题有点“笨”请谅解<img title="dvubb" alt="图片点击可在新窗口打开查看" src="http://bbs.sgchinese.com/Skins/Default/emot/em04.gif" align="middle" border="0"/>

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michael8330 LV5

发表于 30-11-2007 16:24:00 | 显示全部楼层

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用kidult饰品居在2007-11-30 14:06:00的发言： 楼主真是好人<img title="dvubb" alt="图片点击可在新窗口打开查看" src="http://bbs.sgchinese.com/Skins/Default/emot/em02.gif" align="middle" border="0"/>我也有几个问题想要请教你。1.SC+PR工作2年左右，2个人的月薪不到6000适合买HDB吗？考虑到还贷这些。如果是SC+SC，比较SC+PR有什么优惠吗？2.二手房买后多久可以出租？3.因为准备1-2年后去国外继续读书，到时候没有CPF，想通过收租金的方式还贷可以吗？4.如果是SC+SC，买250K左右的房子，90％可以向HDB贷款吗？如果不可以，首期要付多少？其中多少%得付现金呢？现在房子的租金是越来越贵，就考虑着自己买房子租给别人，不知道行得通不。不好意思哦，如果问题有点“笨”请谅解<img title="dvubb" alt="图片点击可在新窗口打开查看" src="http://bbs.sgchinese.com/Skins/Default/emot/em04.gif" align="middle" border="0"/></div>1.SC+PR工作2年左右，2个人的月薪不到6000适合买HDB吗？考虑到还贷这些。如果是SC+SC，比较SC+PR有什么优惠吗？  same , no different.   if u take housing grant, the hse grant will only goto the SC, if 2 SC, will split the hse grant into half.2.二手房买后多久可以出租？  room rental, [u have to stay in the hse] ==> immediate  whole unit without grant ==> 3 year  whole unit with grant ==> 5 year3.因为准备1-2年后去国外继续读书，到时候没有CPF，想通过收租金的方式还贷可以吗？可以, but u still have to pay S&C fee, have to make sure that the rental enough to cover the mortgage month loan.4.如果是SC+SC，买250K左右的房子，90％可以向HDB贷款吗？如果不可以，首期要付多少？其中多少%得付现金呢？可以. use 12.5% cpf account.[ legal fee + stamp duty+ misc] no enough cover with cash.在房子的租金是越来越贵，就考虑着自己买房子租给别人，不知道行得通不。不好意思哦，如果问题有点“笨”请谅解行得通, clever move if u can afford. [em17]

[此贴子已经被作者于2007-11-30 16:26:12编辑过]