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Buying House guide

Buying House guide

Ratings: (0)|Views: 402|Likes:
Published by rt_computech
step by step guide in buying house
step by step guide in buying house

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Published by: rt_computech on Feb 09, 2010
Copyright:Attribution Non-commercial

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05/24/2012

 
HDB
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HDB Resale Flat
 vd kUac:wJ  h
HDB Flat
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HDB Flat
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HDB Flat
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Flat
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HDB Resale Flat
 vdkUac:ygw,f/ puFmylrS m
HDBResale Flat
 aps;uGufu t"duygyJ/ 'D ae&mrSm yD tm vl ysdKMuD;?tysd LMuD;awGtaeeJ U 0,f csif &if awmh  0,fvdkUr&ygbl;/ pkHwGJ rSom 0,fvdkU&ygw,faemf/ (2) vlrsdL;a&;rQwmrSK wu,fawmh tJ'D pnf;urf;csufuawmh uRefawmfwdk UtwG uft"du rusvSygbl;/ e,f ajrwckrSm w&k yf  &mcdkifESKef;? rav;&mcdkifES Kef; eJU wrD;vf &mcd kifESKef;owfrSwf csufav;awG &Sd ygw,f/ owfrS wfcsufwJh  ausmfae&if awmh0,fcGifh r&S  dygbl ;/ jref rmvl rsdK;twGufawmhodyfpdwfyl p&m r&Sdygbl;/ tdrf 0,fjyDqdkwmeJU  uRefawmfwdk UwpfawG[m yGJ pm;ud k tyfvdk ufwmjzpfvdkU 'Dvdkud pö rsKd;awG twGuf olu avhvmxm;jyDom;  jzpf aerS myg/ (3) pDyDtufzfu ay;wJ  h
Housing Grant-
 'Dae&mrS m uRefawmf u yDtmawGudk t"duxm;jyD; ajymrS mjzpfvdk U uRef awmfwdkUvdk yD tmawGu
HousingGrant
 r&ygbl;/ aemufjyD ;awmh 2003 u rS ajymif;vdkufwJh Oya' t& uRefawmfwdkUyDtmawGu yxrqk  H;tMudrf tdrf 0,f,lwm jzpfayrJh 
HDB
 uae aiGacs;vdkU r&ygbl ;/
HDB
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Finance Company
 awGqDuom aiGacs;vdk U&ygw,f/ (twdk;ES Kef;eJU ygwfoufvdkU aemufydk if;rSm tao;pdwfaqG;aEG;ygr,f)/ (4) uJ tdrf0,f awmhr,f qdkawmh t&if qk  H; b,fe,fajr rSm0,f rvJqd kwm t&ifqkH; pOf ;pm;&ygw,f/  puFmyl rSm e,fajray: rlwnfjyD; aps;ESKef ;tajymif ;tvJ &Sdygw,f/ jrKd UxJeJU eD;w,fqdk&if awmh  aps;tMuD;qkH;aygh/ vif r,m; 2a,muf wdkifyifjyD; b,fvdka'orS m0,f rvJqdk wm aoaocsmcsm  pOf;pm;wmaumif;ygw,f/ td rfwvkH;0,fjyDqdkrSawmh [if;&G ufuefpG ef;vdkU awG U&maumuf0,fvdkUr&ygbl;/  aoaocsmcsm pepf wus jyif qifjyD;rS 0,f &ygw,f/ tJ'D vdk pOf;pm;jyD;jyDqd k &if aemuf wcsuf pOf;pm;&rS mu  b,fvdktcef;rsdK;0,frvJ qdk wm pOf;pm;&ygw,f/ ud k,f&J U0if aiG? udk,fay;EdkifwJh yrmP ay:rSm  MunhfjyD;awmhtdrf t&G,f tpm; udk a&G;cs,faygh/ ol rsm; 4 cef;rdkvdk igwkd U 4 cef;0,f wmrsdK;awmh  rjzpfapcsifbl;aygh/ [kwf jyDb,fvdktdrftrsdK;tpm;awG &Sd ovJqdk&if 
 
  2 +1 = 3 cef ; / tdyfcef ; 2 cef; ESifh{nfcef; wcef ; (þae&mwGif rD;zdkacsmifudk tcef;[krowfrSwf yg/  tus,ft0ef; rSm (60 pwk&ef;rDwmrS 85 pwk &ef;rDwmcefU t&G,ftpm;trsKdrsd K;&Sdygonf/ tdrf a[mif ;  (tenf;qkH; 10 ESpf oufwrf; ) rsm;rSm 85 cefU&Sd í td rf opfrsm;rS m 60 cefUom &Sd ygonf/)  3+1 = 4 cef; / tdyfcef; 3 cef; ESifh {nfhcef; xrif;pm;cef ; (92 pwk&ef;rDwmcefUrS 110 pwk&ef;rDwmcef Y) 4+1 /5 cef; td yfcef; 3 cef;? tcef;rzGJ &ao;aom (0g) tcef;zGJxm;aom pmMunfcef;tao;wck? {nfhcef; xrif;pm;cef;/ (110 pwk&ef;rDwmrS 137 pwk&ef;rD wm cef Utxd)
EC = Executives
 td yfcef; 3 cef;? tcef;rzGJ &ao;aom (0g) tcef;zGJxm;aom pmMunf cef;tao;wck?  {nfhcef; xrif;pm;cef;/ 0&ef wm? wcgw&H xyf cdk ; ? tapcHtcef; ponfwdkU yg0if ygw,f. tus,ftm;jzif  h  125 pwk&ef;rDwmuae 155 pwk&ef;rDwm txdus,fwwfygw,f/ tcktxd r&S if;wmrsm;&Sd&ifar;Edkifygw,f/ tckquf jyD;awmh puFmyl rSm tdrfcef ;trsd K;tpm;ay:rSm  rlwnfjyD;? ae&ma'oay:rSmrl wnfjyD; wnf &SdwJh vuf&Sd 6 vtwGif;aps;ES Kef;awGudk
HDB
 0ufbfqdk'frSm oGm;a&muf avhvmEdk ifygw,f/ 'grSvnf; b,fe,fajrrSmaexdkifrvJ? aiGb,favmufvdkufEdkifrvJ qd kwm  u cef UrS ef;Edk ifrS myg/
http://services2.hdb.gov.sg/webapp/BB33RTIS/BB33PReslTrans.jsp
 (5) tdrf 0,fcsd efwGif ukef usEdkifrnfh aiG ESifh vpOfay;qyf &rnfhaiGudkcef UrS ef;jcif;/ udk ,f0,f,lrJhtd rfae&m  e,fajreJU t&G,f tpm;udk avh vmjyD;&if td rf 0,fwJh tcsdefrSm aiGb,favmuf pdkufxk wf&rvJ? vpOf  b,favmufay;&rvJqdkwm udk uRefawmfwdkU pOf ;pm&rSmyg/ yGJpm;udk rqufoG,fao;ygbl;/ tdrf0,f &ef jyif qifaecsd ef? udk ,f&J Utdrfaxmifzuf eJU wdkifyif csdefrSm jyifqifcsufawGyg/  (u) pD yDtufzf rSmaiGb,favmuf&Sd rvJ/ yD tm&jyD;wJholwdkif;rSm pD yDtufrSm aiG pwif   pkaqmif;rdvmMuygjyD/ tm;vkH;odxm;wJh twdkif; pD yD tufrSm tydk if; 3 ydkif;&Sdygw,f/
Ordinary,Medisave and Special account
 qdkjyD; &Sd ygw,f/ td rf0,frJhol awGu pDyD tufzf xJu aiGud k  xkwfokH;r,fqdk&if 
Ordinary account
 xJu aiGudkyJ xk wfcGifh&Sdygw,f/ usefwmudkxd vdkUr&ygbl;/ (c) td rf0,fjyDqdk&if 80&mESKef; aiGacs;jcif;? 90 &mESKef;aiGacs;jcif; qdkjyD;&Sdygw,f/ tdrf wef zdk;&JU 80  &mES Kef;udkbPfu aiG &,l jyD; usefwJh 20 &mES Kef;udk pDyDtuf zf ESifh rdrdudk,f ydkifaiGrsm;xJu ay;&wmyg/  Oyrmqdkygpdk U/ puFmyl a':vm
320K (320,000)
 wefzdk;&Sd wJh tcef; 4cef;udk 0,f,l r,f qdk&if 80 &mES Kef;  bPfu aiG acs;jyD; 20 &mESef; ay;r,fqdk &if? pDyDtufzfeJU udk ,f &JU aiG64 000 a':vm &Sd&ygr,f/  (*)
Resale Flat
 awGudk 0,fwJhtcgrSm
valuation Price + 10K
 qdkwm ajymMuygw,f/
valuationPrice
 qdk wm
HDB
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10K
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320K +10K
 qdk &if udk,fvuf xJrSm 64000 + 10000 = 74000 pD yDtuf+  vufxJrSm &Sd&ygr,f/ 'gu 80 &mESKef;bPfu acs;wmudk tajccHajymwmyg/ (C) tJ'gawGtjyif yGJpm;c wpf&mcdkifES Kef; (3300 a':vm)? wqdyf acgif;aMu; (
Stamp duty) (
 4600
 
 a':vmcef U)? a&SUaeaMu; (500-600 cefU) wdkUudk vnf; jyifqifxm;zdkUrarhygeJU
HDB Resale Flat
 ud k bPfuae 80 &mES Kef; acs;rnfholtaeeJU
330K
 tdrf cef;0,f,lr,fvdkU jyifqifol [m pDyDtuf zf +  udk,fydkifaiG 82 000 a':vmavmuf &Sdr,fqdk&ifuRef awmf wd kUyGJpm;udkqufoG ,fvdkU&ygjyD/  (6) td rftwGufbPfuae b,fESpfESpf aiG acs;vdk UY&ygovJ/ 'Dae&mrSm 0,f,lol xJu  i,fwJhtouf &Sd ol uae tajccHjyD; touf65 ESpf txdwG uf Muygw,f/ td rf0,frJhol vifr,m;2  a,mufrSm wpfa,mufu touf 34 ES pf? aemufwpfa,mufu touf26 ES pfqdk&if? 65 ES pf- 26 ES pf =  39 Espf Mumonftxd aiGacs;vdk U&ygw,f/ (7) puFmylyD tmawG taeeJU td rf0,fjyDqdkrSawmh bPfeJ U rjzpfrae qufoG,faqmif &G uf &wmygyJ/ yGJpm;udk  ar;jyD;qdk&if yGJpm;uawmholeJU odwJhbPfeJU t&if rdwfqufay;wwfygw,f/ 'gayrJhvnf;  udk,fuavhvmxm;w,fb,f bPfudkqufoG,fr,fqdk&if awmh ol wd kUvJ ulnDay;Muygw,f/ 'gaMumifh  puFmyl rSm tdrf0,frJ  h
HDB Flat
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POSB HomeLoan, OCBC Home Loan and HSBC home loan
 awGu emrnfMuD ;ygw,f/ twdk;ES Kef;awGrSm  b,fvdk&SdovJqdk&ifuRef awmfOyrmtaeeJ U
POSB Home Loan
 udktajccHjyD; ajymjyygr,f/ tdrf&J Urlvwefzd k; 90 &mESKef;acs;wJhol eJU 80 &mES Kef;acs;wJhol twd k;ES Kef;awG rwlygbl ;/ 90&mcd kifES Kef;  bPfu acs;aiG,lolawG u twd k;ESKef;ydkrsm;ygw,f/ bPf awGrSm yxrtqifh taeeJU 1ESpf? 2 ES pf ? 3 ESpf  twdk;ESKef;udk ykHaoxm;ol? awGudk 
Lock in Period
 vdkU ac: qdk ygw,f/
Lock in Period
 twGif ;rSm tdrfudk jyefa&mif;jcif;?
Capital
 (t&if;) jyefqyf jcif;? aemufbPfwckudk ajymif;jcif; rvkyf &ygbl;/
noLock in Period
 orm;awGtwGuf twdk;ESKef ;u wrsdK;yg/ pmeJUcsa&;jyD ; &Sif;jy&wmxuf uRef awmf  atmufrS mjyxm;wJh ykHudk Munh  f vdk uf yg/  twdk;ESKef;udk tMurf;zsOf;ajymjyD ;oGm;awmh
Installment
 udk ajymjyygr,f/
Installment
 u udk,facs;wJh aiGyrmP? udk,facs;wJh ESpf? twdk;ESKef;wdkUtay:rSm rlwnf jyD; wpfa,mufeJ Uwpfa,muf rwlnDMuygbl;/ 'Dae&mrSm tMuHay;csifwmu vpOfudk,feJU tdrf axmif zuf&JU pDyD tufzf
Ordinary account
 xJud k b,favmuf0ifrvJay:rSm udk,fa&&S nfay;EkdifrJh aiG yrmPudk qkH;jzwf zdkUvnf; vdk ygw,f/  wckowday;vdkwmu udk,fvpOfay;&rJhaiG ud k csif  hcsdefEdk ifzd kUyg/ cPwm umvav;udk rMunhfyJ? ESpfaygif;  15 ESpf 30 ES pf ay;&rSmjzpf vdkU aoaocsmcsm pOf;pm;qkH ;jzwfapvdkygw,f/ uRefawmfrQa0csifwmum  uRefawmf ,ck tcsd efxd tokH;jyKaewJ  h twdk;ES Kef;? acs;aiG? ESpfumv wdkUudk xnfh vdkuf&if wpfvud k  b,favmufay;&rvJ qdk wm wGufay;wJh
Excel File
 wpfckukdwifay;ygr,f/ t&rf;tok  H;0ifygw,f/ prf;Munfhvdkuf yg/ em;rvnf&ifvnf ;ar;vdkU&ygw,ftJ'DzdkifxJudk xnfhjyD; wGufvdkuf&if  bmudkoGm;awGU&rvJqdk &if wESpftwGif;rSm udk ,f u ay;&wJhaiGrS m t&if;qyfvdk uf&wmaiGyrmP?  twdk;ay;vdkuf&wJhaiG yrmPudk awGU&rSmyg/ tJ 'DrS m bPfawG bmvdkU csrf;omwmvJqdk wm  oGm;awGU&ygvdrfh r,f/

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