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~~~

贷款也差不多

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。

考虑一下pioneer的，或者是jurong west ave 1的，比较老，也便宜一些

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

计划往往赶不上变化，三年后的事，说不准。

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~~~

-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。。。

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？

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。

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。

多谢树冷兄敲响警钟。。。

当然，之前我已经对西部比较熟悉了

4个月的时间里面主要是看房

省了钱以后都是老婆的

现在都他妈花了它，哪怕有那么一点烧钱的兴趣爱好，结婚后都要老老实实的放弃，所以趁着没结婚，喜欢买啥，就买吧

我最近卖掉一个房子,卖了一段时间,价钱是越卖越便宜,最后赶紧出售.估计这市场有问题了

我的理解是：政府的补助是用于资助买不起房的人，而不是帮助房产投资。如果拥有第二套房这个政策依然成立，恐怕新加坡目前人人都至少会有两套房了吧。

看多看空都大有人在。我想这一套房子就是买来自己住，所以不想从投资方面考虑太多。生活的舒心就好。

胡言一句：万一有那么一天房价真垮了，我觉得留着新币也不会好到哪里去。

不过现在不省也不是自己一个人花了~~~

比如说我