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michael8330 LV5
发表于 2-12-2007 18:57:00
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<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>qweisong</i>在2007-12-2 14:49:00的发言：</b><br/><p>Michael，你好，看了你的很多回复，受益匪浅，首先感谢你！我现在有几个问题，想请教你</p><p>我打算明年申请公民（这个没什么问题），月薪3000多，太太现在在中国。当我拿到公民身份后，是不是不管我太太是否是PR，我都可以买二手HDB，并申请30k的grant和享受HDB的优惠贷款利率呢？</p><p>如果可以，由于工作的关系，在我们去中国生活期间，由于没有CPF，我们是不是可以先通过CPF付月供（在新加坡工作期间），之后换成通过银行付月供（在中国工作期间）？</p><p>如果我们把房子出租，5年之内不能把整间屋子全部出租，对吗？这样，我们只要锁住一个房间，是否就可以应付HDB的检查，会不会有问题？</p><p>另外，如果申请80%的贷款，首付20%，这20%中，可不是可以是15%的现金，5%的CPF？还是必须是10%的现金+10%的CPF？</p><p></p><p>静候答复！谢谢。<br/></p></div><p>我打算明年申请公民（这个没什么问题），月薪3000多，太太现在在中国。当我拿到公民身份后，是不是不管我太太是否是PR，我都可以买二手HDB，并申请30k的grant和享受HDB的优惠贷款利率呢？</p><p><font color="#ff0000">可以买二手HDB和享受HDB的优惠贷款利率, 不可以申请30k的grant, if yr spouse is a non-PR u will be qulify under <strong><em><font size="4"></font></em></strong></font></p><p><strong><em><font color="#ff0000" size="4">Non-Citizen Spouse Scheme (NCS), u only can apply for 11k if u meet the term and condition:-</font></em></strong></p><p><strong><em><font color="#ff0000" size="4">please see the word in red.</font></em></strong></p><p><strong><em><font color="#ff0000" size="4">cut and paste from hdb website:-</font></em></strong></p><p>The Non-Citizen Scheme allows a citizen with a non-citizen spouse to buy an HDB flat from the open market. If you wish to buy a resale flat under the Non-Citizen Scheme, you must meet the following eligibility conditions:<br/><br/><b><font color="#a16252">Citizenship</font></b><br/>You must be a <font color="#ff0000">Singapore Citizen</font>.<br/><br/><b><font color="#a16252">Age</font></b><br/><font color="#f70909">You must be at least 21 if your spouse is holding a social visit pass (including work permit) of at least 6 months. <br/><br/>You must be at least 35 if your spouse is holding a social visit pass (including work permit) of less than 6 months. <br/></font><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/><br/><b><font color="#a16252">Family Nucleus</font></b><br/>You are married to a non-citizen.<br/><br/><b><font color="#a16252">Income Ceiling</font></b><br/>There is no income ceiling <font color="#f70909">(unless applying for CPF Housing Grant).<br/></font><br/><b><font color="#a16252">Ownership of Private Residential Property</font></b><br/>You can own private property (unless applying for CPF Housing Grant) but must live in the HDB resale flat.<br/><br/><b><font color="#a16252">Ethnic Integration Policy</font></b><br/>You can buy an HDB resale flat in any town/estate as long as the approved proportion of your ethnic group has not been reached.<br/><br/>To check, click <a href="http://www.hdb.gov.sg/fi10/fi10201p.nsf/WPDis/Buying%20A%20Resale%20FlatEthnic%20Group%20Eligibility?OpenDocument" target="_blank">Ethnic Group Eligibility</a> or call HomeLink at 1800-8663060.<br/><br/><b><font color="#a16252">CPF Housing Grant for Singles</font></b><br/>You may apply for the CPF Housing Grant for Singles if you meet all the eligibility conditions under the <a href="http://www.hdb.gov.sg/fi10/fi10201p.nsf/WPDis/Buying%20A%20Resale%20FlatCPF%20Housing%20Grant%20for%20Singles?OpenDocument" target="_self"><b>CPF Housing Grant Scheme for Singles</b></a>.</p><li type="disc"><font color="#ff0000">A Singapore citizen aged 35 and above who marries a non-citizen spouse can buy a resale HDB flat under the Non-Citizen Spouse Scheme and apply for a singles grant of $11,000</font></li><li type="disc"><font color="#ff0000">21 years old and above - for buyers under the Non-Citizen Spouse (NCS) Scheme and added condition that the non-citizen spouse holds a social visit pass (including work permit) of at least six months’ validity</font></li><li type="disc"><font color="#ff0000">Having a gross monthly household income of $8,000 and below, no flat type restriction - applicable for JSS Scheme, Non-Citizen Spouse Scheme, Public Scheme (singles who include their parents as co-buyers or flat occupiers)</font></li><p>如果可以，由于工作的关系，在我们去中国生活期间，由于没有CPF，我们是不是可以先通过CPF付月供（在新加坡工作期间），之后换成通过银行付月供（在中国工作期间）？</p><p><font color="#ff3300" size="4">u will be taking loan from hdb, so nothing to do with the bank, when u work in s'pore, u will have cpf to services the loan, when u are not in singapore, u will have to pay in cash.</font></p><p>如果我们把房子出租，5年之内不能把整间屋子全部出租，对吗？</p><p><font color="#ff0000" size="4">对, but if your whole family + u are working in overseas or studying , u can apply for approval [ it is under one of the condition to lease out the flat with approval, just need to take note that this period of time-- {sub-let period } will not be taking into the 5 year physical period.,</font></p><p>这样，我们只要锁住一个房间，是否就可以应付HDB的检查，会不会有问题？</p><p><font color="#ff0000" size="4">不可以, but in the market a lot of owner is doing this, please be reminded once u get caught by the hdb, u may be ask to pay 150% of the monthly rental , or the hdb may take back the hse.</font></p><p><font color="#000000" size="2">另外，如果申请80%的贷款，首付20%，这20%中，可不是可以是15%的</font>现金，5%的CPF？还是必须是10%的现金+10%的CPF？</p><p><font color="#f70909" size="4">if u taking loan from hdb, u can use all 20% from yr cpf account [ please be remind COV have to be in cash]</font></p><p><font color="#f70909" size="4">if u take bank loan, 5% cash +15% cpf [if u have no enough , top up with cash]</font></p><p><font color="#f70909" size="4">if no clear , please ask again , as the cut and paste is a bit blur</font></p><p><font color="#f70909" size="4"></font></p><p></p> |
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