Warrior88

16,000-12876=3124 to go. But I thought MBT says some will be in mature estates? Guess ppl are waiting for those. Easily 10 times oversubscribe

Within 6 years. Quite an achievement Wonder whether this generation can do that ? You undertable donations to school ah ?

Wah, your customary date swee le. No wonder, stay so long...haha Oh yes, I remember those times, go HDB many times to cancel cos keep changing girl friend. HDB office in Bukit Merah is like my parting ground

I traditional man, buy New Flats, bank account=$0, stay with Parents first. Even reno must loan. Money all spend on wedding and honeymoon. After loan complete, spend on maid and baby. Then...slowly can buy car... Haiz..those were the days. Later part, chiong resale HDB, cos children school locality. Where got time everytime pickup at 3~4 pm. School bus dun service. Book taxi also dangerous. Haiz.. who ask my wife must go to branded school. Now kena stuck with the resale, like travelling on the highway, exit for U turn so far away.

Oh... so I see. My time flat built liao, then we choose, but waiting time also very long. Maybe HDB built rental HDB for cases like yours, "BTO QUERs" at affordable cost. OR for dinobros case. Resale FIRST timer, MOP=2.5 years if buy BTO. Will surely win a lot of vote for the next GE

Besides the 5k as bepgof says, also got bank penalty. " You worry price drop when you sell " COV 34k is on the conservative side. Not only you, tons of ppl will face this problem. If that happen, then it will be garment problem not yours

Guess its correct, temper glass no pointed edge, although it remain sharp. If temper with frosted laminates, then broken pieces remain intact. Guys! never see the Hong Kong hostage in Phillipines. Check out the glass panel. Hmm... my toilet partition no "Temper" letters, just the company logo. Although my ID claim that it is tempered glass

A clear signal that ppl want to possess flat fast. Opportunity cost for 3 years? In the past, most cycle goes like 1.BTO,2.resale HDB,3.Pte, then 4.Pte+resale HDB. Wonder what is the trend now ? In the past, I had never consider resale HDB for my first purchase. Now maybe parents rich liao. Support children, jump straight to 2. Cos you should be in your forties if you take the traditional route. First timer also chiong resale HDB... Haiz:(

If you are in no need of buying. Very hard, but can still try. Back 10 years ago, went viewing for more than 10 houses in the same development. Agent says view to offer. I casually reduce the price by 100k, and look away. Guess what? Seller accepted my offer. Til today, I still wonder why he sold me at that ridiculous price. Must be thick skin la, just like in the forum, kena whack, but it may just happen. I give you my vote of confidence

Yishun BTO, ratio 3 in 1, below expectation. PPl still wait and see, hoping for resale price to drop. Bottom line, ppl still prefer resale HDB cos of the location and amenities. Chicken and Egg issues. Built amenities to bring in ppl ? white elephant issues ? or built amenities only when dwellers grow. Sengkang so long liao, amenities still an issue.

What trend ? which market ? Writer is trying to stir panic thus create more transactions. I don't see any facts anf figures. Just the writer paranoid thinking. Good writer would have break the trend into different phases. Rental good=true, supply is limited, new flats not for immediate possession. Besides, with HDB ruling not everybody is entitle to New ones. Rental demand base on supply & purchase price. Tenant weights the cost of opportunity of rental fees vs purchase price. No such thing as rental good, purchase price increase. It is the other way round. Purchase price increase, rental fees goes up. Purchase price is to do with the economy and supply/demand thingy. By the way for resale HDB to drop, all category must also adjust, BTO,DBSS,EC,Pte...etc. If resale gap close to BTO, resale HDB demand picks up again due to location and amenity. So, is BTO price coming down ?

Bro, I apologise if it is misleading. Cos, I would have thought that it is logical if one had no CPF, cash is the next option. Not only downpayment, your legal fees, stamp duty and mortgage loan can use cash By the way, touching on those who buy first with no CPF, can use cash first for DP. After selling, can apply to get back cash refund.

Woh.. you super luan Lets do it step by step. Your case, sell hdb w/o grant, buy resale with grant using HDB loan. Sell House Cash proceeds = 100k A. 50k=Cash you keep B. 50k, use for your 2nd home Buy House COV=30k (Cash) ... Use from (A) so you left 20k cash Down payment=10% down payment, 90% mortgage loan (All CPF) + Stamp duty & legal fees (CPF) Can use from (X)=Grant + (B) + Bal CPF in OA. So most likely you will exceed the min 10% down payment. Eg if X =30%, your mortgage loan=70% So if you wanna keep some cpf in OA for future use, Better park your cpf before buying. Whether 1st house still got bal loan nothing to do with 2nd HDB loan, still 10% down payment CPF.

Most agents out there got no license from CEHA. Just helping out. 10 agents for 1 house is not many. Many agents also sell 10 house at 1 time. Network, hardwork, dummy and luck also play a part. Agent also do rental, commercial property and a bit of side line. Asian are savers unlike the Americans. Though recently Asian had increase on spending. Spending is one way of improving the economy

If eligible 2nd HDB loan. Basic rule=Got 50% cash proceeds rule, & 10% CPF down payment. Cash Proceeds=(Selling Price-Buying Price)-(Grant)-(Accrued Interest)-(Bal Loan) 50% rule=keep the greater of $25,000 or half of the cash proceeds (including cash deposit) 50% keep=pay for COV if any, bal keep for reno or give to me. 50% to finance the purchase of the next flat, can be use for down payment & mortgage loan. Sales must complete 1st home first. Then above can happen. (Timing crucial) Don't forget (all CPF balance to finance the purchase of the next flat) wipe out

Why, I think property agent line is very good. Only worry if market is stable. They like big correction, either way, they make. Just like stock market.

Good govt will implement rules that curb and results in SMALL corrections. After that slowly market sentiments will adjust GRADUALLY. As any major drastic corrections becomes govt problem. Like thay say, if you owe bank $100k, that is your problem. But you if owe bank $1million, thats banks problem.

Yo... you are not new, so no need welcome. By the way, got 40 years old flat ? Di mana ? Quite swee le, got utility some more How much you buy ?

I am still on top the mountain, no tiger, havn't come down. Big bro OBM very quiet, better still. Worry EU bank health, need steroid. Asia is my best take for now. I no cctv, use crystal ball

If they are eligible to buy HDB

What mountain? You go up there cos of the flood? I am also a tiger, next time bring me there. Foreigners 1 in 3, where you heading. UP? Got kang tao, PM leh:)

Cannot buy HDB, but can buy pte mah? so pte sector go up. Also, if cannot afford to buy HDB, rental go up.

Heard there is this blog from a PR laughing at Singaporeans, citing how they have the best of both world while Singapore Government are treating Citizens as a child that must be control.

SGX index > 3000 points, COV up, even garlic price also increase. Looks like Ppl are filthy RICH now. NV is $830 cheaper than the simi name in Tanah Merah $1,000. Chiong lah ....

This link touch not only on the microeconomics but also the macroeconomics. Clearly I believe it is the macro impact that really drive the property market http://smartpropertybuyer.blogspot.com/200...ngapore_09.html