【房屋】免费咨询租房/买房/卖房/出租/房款等各种问题

铜牌推广者 · 发表于 10-9-2006 01:21:00|来自：

麦克是高手，小弟学一下。Micheal, how can i tell the exact difference between condo, APT, Exe APT and Condo APT?If a Singaporean (couple, 30+ yrs old, professional) is holding a HDB unit, when he wants to buy an above mentioned, is there any constraint? Usually can he get bank loan easily or not?  Thanks [em01]

wxb69 · 发表于 10-9-2006 10:34:00|来自：

请教，PR从银行贷款（分期付款）买房，要付多少利息?举例来说，买一套市场价300K的HDB，首付至少多少？还款期如果是20年，每月还款额多少？其中的利息要付多少？到全部还款结束，总共支付了多少利息？还款期可以超过20年吗？还款期中间，能否要求增加每月还款额，以便提前还清贷款（好减少支付的利息）。

michael8330 · 发表于 10-9-2006 11:06:00|来自：

本帖最后由 michael8330 于 5-1-2010 22:19 编辑

QUOTE: 以下是引用铜牌推广者在2006-9-10 1:21:00的发言：

麦克是高手，小弟学一下。
Micheal, how can i tell the exact difference between condo, APT, Exe APT and Condo APT?

If a Singaporean (couple, 30+ yrs old, professional) is holding a HDB unit, when he wants to buy an above mentioned, is there any constraint? Usually can he get bank loan easily or not?  Thanks

condo= normally is with full facilities , security guard,  swimming pool, tennis , gym, clubhse, and other and the title is under condo status
apt, normally is only with or without car park or security (bare minimum facilities) title under apt no condo
exe apt ( is it under hdb ?) will be the one of the biggest unit under hdb
condo apt? i don't know this cats
If a Singaporean (couple, 30+ yrs old, professional) is holding a HDB unit, when he wants to buy an above mentioned, is there any constraint? Usually can he get bank loan easily or not?
he can buy any condo unit or apt unit provide he got the money, he can get bank loan provide he is making enough income (normal guide line 40% of hsehold income to services the hse loan for 2 unit), BUT

take note : he cannot buy and keep 2 hdb unit ,
and
in the event he want to buy 2nd unit , he have to set aside  a minimum sum in cpf( aorund 46k) before he can use the fund in OA account to service the hse loan for the 2nd unit ( wef from 1st july 2006)
no clear ask again

[此贴子已经被作者于2006-9-10 11:07:09编辑过]

michael8330 · 发表于 10-9-2006 11:15:00|来自：

本帖最后由 michael8330 于 5-1-2010 22:21 编辑

QUOTE: 以下是引用 wxb69
在2006-9-10 10:34:00的发言：
请教，PR从银行贷款（分期付款）买房，要付多少利息?
例来说，买一套市场价300K的HDB，首付至少多少？还款期如果是20年，每月还款额多少？其中的利息要付多少？到全部还款结束，总共支付了多少利息？

还款期可以超过20年吗？还款期中间，能否要求增加每月还款额，以便提前还清贷款（好减少支付的利息）。

5% of 300k = 15k cash 15k cpf the rest is loan (+ around 2.5% for stamp duty legal fee and misc fee , exclude agt fee)
loan 270k:
monthly : $1565.89 (3.5%)- $1636.15 (4%)
total repayment: $375 813.90total interest: $105813.90(3.5%)-$122675.25(4%)u can do partial repayment , just have to give the bank 1-3 month notice they will do up the paper work.repayment period can go up to 35 year , it depend on the age of the property and the age of the applicant/buyer.

[此贴子已经被作者于2006-9-11 18:21:45编辑过]

铜牌推广者 · 发表于 10-9-2006 20:54:00|来自：

Micheal, thanks...[em01]

wxb69 · 发表于 11-9-2006 22:26:00|来自：

再谢一下michael8330，一个回帖就全清楚了。顺便再请michael8330确认一下，仍然按上面的数字，如果后来有能力将月还款额提高到每月3200元（提高一倍），那么剩下的还款期限将会缩短一半（指剩下的部分），那么后面这部分的还款的利息也将减少大约一半，是这样吗？加速还款有两种途径：一种是增加每月还款额，还有一种是一次性填进一笔钱，每月还款数额不变。后一种是否也是允许的？

michael8330 · 发表于 12-9-2006 11:13:00|来自：

本帖最后由 michael8330 于 5-1-2010 22:24 编辑

QUOTE
以下是引用 wxb69 在2006-9-11 22:26:00的发言：

再谢一下
michael8330
个回帖就全清楚了。
顺便再请 michael8330 确认一下，仍然按上面的数字，如果后来有能力将月还款额提高到每月3200元（提高一倍），那么剩下的还款期限将会缩短一半（指剩下的部分），那么后面这部分的还款的利息也将减少大约一半，是这样吗？
加速还款有两种途径：一种是增加每月还款额，还有一种是一次性填进一笔钱，每月还款数额不变。后一种是否也是允许的？

yes. the interest will get lesser but best can get one banker to do a full caculation for u , this will be safe, u need banker i can intro some very good banker(services no good , i will not introduce and bad my name) to u (from all banks)

for Qn 2 , some bank , want u lock in for 2 year , u only can pay constantly until the lock in period over. after that than u can reduce the loan,, u mention the way , all can be arrange , it depend on banks, some allow the first way some allow the 2nd way , some allow both way , u have to ask them.

no clear ask again

michael8330 · 发表于 12-9-2006 11:20:00|来自：

本帖最后由 michael8330 于 5-1-2010 22:29 编辑

QUOTE: 以下是引用 beginner 在2006-9-12 9:23:00的发言：

如果确定要买30万左右的房子，请大家帮忙看看那种方案好呢？先谢了！

1）现在买，等一人转公民后买新房

2）一年后等夫妻其中一人转为公民后再买。坏处是要租一套房子（2＋1）一年。好处是可以享受3万补贴和HDB的低息贷款。

另外能不能拿到30k补贴的家庭月收入8k的限制，是看买房子时候的几个月还是看全年的总收入的月平均值啊？
挺难决定啊

1, u still can take grant after one person got SC, (but u have to get from resale and involve Stamp duty and legal fee ,admin fee , agent commissionetc, but the worst thing have to find time-off to scout for hse , can be very tiring) so in fact it about the same to pay for rental , since is only one year might as well u wait.

it depend what job u working as. if u have payslip ,(work for other, they will look at the monthly gross income of hsehold income.) for self employ , they will look at IR8A, income tax return.

2 cent view

fredfred123 · 发表于 12-9-2006 11:36:00|来自：

michael8330:卖家说, 没有钱付AGENT FEE (2%), 所以要从交易中,付COMMISIONＦＥＥ，例如，Ｖaluation price=250K, transaction fee=245K, 5K作为COMMISIONＦＥＥ付给ＳＥＬＬＥＲ　agent.这样情况多吗？合理吗？有风险吗？谢谢．

beginner · 发表于 12-9-2006 09:23:00|来自：

如果确定要买30万左右的房子，请大家帮忙看看那种方案好呢？先谢了！1）现在买，等一人转公民后买新房2）一年后等夫妻其中一人转为公民后再买。坏处是要租一套房子（2＋1）一年。好处是可以享受3万补贴和HDB的低息贷款。另外能不能拿到30k补贴的家庭月收入8k的限制，是看买房子时候的几个月还是看全年的总收入的月平均值啊？挺难决定啊

[房产] 【房屋】免费咨询租房/买房/卖房/出租/房款等各种问题

发表回复

精选推荐