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MIY

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>michael8330</i>在2007-12-2 23:15:00的发言：</b><br/><td></td><tr></tr><tbody></tbody><table></table><p></p><br/></div><p>Hi Michael, a few questions if you can help:</p><ul><li>Is it ok if my wife quit her job to reduce the household income level and apply for additional cpf grant? can you give some suggestions? </li><li>what happen if in future I renounce singapore citizenship? do I need to refund the cpf grant?</li></ul><p>Many thanks</p>

michael8330

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>MIY</i>在2007-12-16 10:47:00的发言：</b><br/><p>Hi Michael, a few questions if you can help:</p><ul><li>Is it ok if my wife quit her job to reduce the household income level and apply for additional cpf grant? can you give some suggestions? </li><li>what happen if in future I renounce singapore citizenship? do I need to refund the cpf grant?</li></ul><p>Many thanks</p></div><strong><p></p><li>Is it ok if my wife quit her job to reduce the household income level and apply for additional cpf grant? can you give some suggestions? </li><p><font color="#ff0000" size="4">can, after first appt , she can go for new job, the credit assessment only do it on first appt. </font></p><li>what happen if in future I renounce singapore citizenship? do I need to refund the cpf grant?</li><p><font color="#ff0000" size="4">no need to pay back, but have to stay after 5 year.</font></p></strong>

老鼠爱小米

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>不是不小心</i>在2007-12-16 11:54:00的发言：</b><br/>我们两个人有一个是公民。&nbsp; 建屋局是基于什么标准贷款给我们呢？ 是不是只有80％或90％。 可不可能贷得更少呢？ （比方说由于工资，年龄，只有一人工作等原因）&nbsp;工资不够一个数额是不是就只能贷款80％或更少？&nbsp;[em04][em04][em11][em11]</div>

michael8330

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>老鼠爱小米</i>在2007-12-17 0:26:00的发言：</b><br/></div><div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>不是不小心</i>在2007-12-16 11:54:00的发言：</b><br/>我们两个人有一个是公民。&nbsp; 建屋局是基于什么标准贷款给我们呢？ 是不是只有80％或90％。 可不可能贷得更少呢？ （比方说由于工资，年龄，只有一人工作等原因）&nbsp;工资不够一个数额是不是就只能贷款80％或更少？&nbsp;<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"/><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"/><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/em11.gif" align="middle" border="0"/><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/em11.gif" align="middle" border="0"/></div><p><font color="#ff0000" size="4">the maximum loan will be 90% of the valuation,[they will deduct all yr cpf and grant u a loan]&nbsp;10% will be cpf [base on hdb loan]工资，年龄 will be one of the credit assessment.</font></p><p><font color="#ff0000" size="4">to make it simple:-</font></p><p><font color="#ff0000" size="4">every $1000 household income , hdb will grant u a loan of approx. 100k, base on 30 year, monthly repayment will be S$400.</font></p><p><font color="#ff0000" size="4">年龄&nbsp; will be [65 - the younger applicant age , up to maximum 35 year] eg. 65 - [40 , age of applicant]= maximum will be 25 year loan.</font></p><p></p>

yenfong

<p><font color="#000000">Hi michael,</font></p><p>我是Bank Loan的.</p><p>我的First appointment 是在12月29日,然后我会第一次去见lawyer在12月31日,我想知道我的20%的屋价的CPF和CASH需要在几时准备好? 因为我的CPF有投资一些单位.</p><p></p><p>Thanks for your help</p>

[此贴子已经被作者于2007-12-19 13:17:03编辑过]

michael8330

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>yenfong</i>在2007-12-19 11:04:00的发言：</b><br/><p><font color="#000000">Hi michael,</font></p><p>我是Bank Loan的.</p><p>我的First appointment 是在12月29日,然后我会第一次去见lawyer在12月31日,我想知道我的20%的屋价的CPF和CASH需要在几时准备好? 因为我的CPF有投资一些单位.</p><p></p><p>Thanks for your help</p><br/></div><p></p><p><font color="#ff0000" size="4">02 week before the completion.</font></p>

hahaha99

请问向银行贷款时是否有什么方法和银行讨价还价的，还有，有便宜的律师介绍吗，谢谢!

best98

<p>现在买了房，是银行贷款的，如果两年内夫妻有一方入籍，是否可转为向HDB贷款，谢谢!</p>

michael8330

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>hahaha99</i>在2007-12-26 22:13:00的发言：</b><br/>请问向银行贷款时是否有什么方法和银行讨价还价的，还有，有便宜的律师介绍吗，谢谢!</div><p>new promotion alway get the best rate, when come to re-finance maybe u got better position to talk to them</p><p>my lawyer is sick, over-work and not taking new cases, if u want there is any lawyer but they charge 2K +gst</p>