买房子,请大家来看看提提意见


我们的情况:

目前, 女朋友是pr, 刚开始工作,工资~2.5k; 我本科毕业还在读phd,student pass。2009年结婚,我转成pr。到时候手头大概有cash 60k。10年之内应该都留在新加坡。

关于买房子,现在是这么考虑的:若是一个人换国籍想要享受政府30k的补贴的话,最早也是3年以后,那时候我们交的房租也大概是30k+了,不如先买一套二手的住着。

所以大概计划是:2009年先买一套二手的HDB,我们自己住一间,租出去一到两间给朋友。买这套主要是图住着舒服,怎么也算是自己有个小窝了。这几年我们都还在西部,所以打算在boon lay – jurong east 沿线找一套就好了。关于这一套,我们现在倾向于先买一套小一点的,比如4房式的。到了2013年,我加入新加坡国籍,可以享受政府的买房补贴了,那时候再换一套舒服点的房子,比如5房的HDB/EA。

不知道这个方案可不可行。想听听大家的意见。

再就是像我们这样,只有老婆工作,月工资~2.5k,贷款大概能贷多少啊?除了放假,中介费等等乱七八糟的钱大概还有多少啊?

多谢各位指点了~~~
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12 个回答

苏雨绍

按你目前的情况, jurong west的4房好像刚刚买得下
贷款也差不多

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司婉

多谢斑主百忙之中解答
刚看看HDB网上的resale price, jurong west基本在230-350波动着。

希望明年不要涨得太离谱就好。

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冯毓

如果买地铁沿线的4room
考虑一下pioneer的,或者是jurong west ave 1的,比较老,也便宜一些

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纪程振

如果你已经有房了,买房可能无法享受政府补贴
Singapore citizen households can qualify for the CPF housing grant for family if they are:

Married couples where both are Singapore Citizens; or a Singapore Citizen who marries a Singapore Permanent Resident; or

Fiance-fiancee couples about to get married and are able to produce their marriage certificate, latest by the date of resale completion; or

Widowed or divorced persons with children under their legal custody


21 years old and above


First-timer households: one where all members of the family have not enjoyed a housing subsidy before
A 1st-timer citizen (with a spouse who is a 2nd-timer, ie. has enjoyed a housing subsidy), can apply for half of the grant amount (Half-Housing Grant), if the family meets the eligibility conditions of the CPF Housing Grant Scheme for Family.

Having a gross monthly household income of $8,000 and below. For extended families, the income ceiling is $12,000. If the average monthly household income over the last 2 years is $4,000 and below, they can apply for Additional CPF Housing Grant (AHG) as well, ie. on top of Family Grant.


Not owning any private residential property (including HUDC flat and/or Executive Condominium), house, building or land (whether local or overseas) or have disposed of such properties within 30 months before the resale flat application.


Not buying a 1-room flat or a resale flat (of any flat type) that has been announced for redevelopment under the Selective Enbloc Redevelopment Scheme (SERS). Pls click here for the list of SERS sites


Not undischarged bankrupt

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汪菊

估计三年后,你二人薪水已过8K
计划往往赶不上变化,三年后的事,说不准。

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司婉

en, 看来3年以后若是能拿到补贴
那就当作是天上掉的馅饼吧。

拿不到,钱又不够用,就只能先将就着了~~~

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司婉

仔细读了一下
-Not owning any private residential property (including HUDC flat and/or Executive Condominium), house, building or land (whether local or overseas) or have disposed of such properties within 30 months before the resale flat application.

30个月前就要处理掉。这下彻底不抱希望了。。。

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司婉

漏了private,HDB不算是private吧?另外

First-timer households: one where all members of the family have not enjoyed a housing subsidy before。

像我们这样第一次买的是resale HDB, 算不算享受subsidy呢?

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盛厚以

买房很快的,不用这么早考虑。现在省钱就行了。
接完婚再看还有多少钱买房子,然后按照经济考虑,能买就买。

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司婉

多谢斑主指点。从开始考察房子到最后确定,大家一般都用了多久啊?
现在还没有考虑位置,只是觉得应该规划一下,乱七八糟的钱该整理一下了。

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  • 司婉 提出于 2019-07-19 21:46