该买resale or DBSS?我刚拿到SC，老公PR，现在着急买房生子。我在西部工作，老公在北部。现金和CPF一共将近八万，到时不够的话还能再凑到一些。现在考虑：
1. BTO的话这四五年都要租房住没法生小孩。
2. 现在最想买balance flat,但是今年的还没出，而且没有小孩抽中几率较低，有幸抽中可能也是位置较偏的地方。
3. 买resale五年后再BTO，要付不少COV和中介费，而且五年后不确定resale的房价会怎样，还有薪水有极小的可能性超过一万不能再BTO.
4. 买DBSS三房式有点小不够住，四房五房又很贵付不起首付，相对HDB来说也不合算。
苦恼中，请大家给点意见，跪谢！[甜言蜜语 (3-17 16:45, Long long ago)]
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租房子同时rebalance啊，其实新bto说是四五年，两年多点也建好了 [本文发送自华新手机Wap版] [西瓜芒果好吃 (3-17 20:57, Long long ago)] [ 传统版 | sForum ][登录后回复]2楼
DBSS首付不是问题。但是得挑个好的。靠近地铁站的。 [本文发送自华新手机Wap版] [-_-|| (3-17 21:03, Long long ago)] [ 传统版 | sForum ][登录后回复]3楼
(引用 西瓜芒果好吃:租房子同时rebalance啊，其实新bto说是四五年，两年多点也建好了)现在控制外劳，BTO可能需要更长时间建成BTO flat buyers face longer wait amid labour and supply strains
Published on Mar 18, 2013
By Esther Teo Property Correspondent
HOME buyers might have a longer wait for the keys to their Build-To-Order (BTO) flats.
A combination of the construction industry labour crunch and a ramp-up in the Housing Board's building programme is stretching the completion period for new BTO projects by several months.
The private sector has already taken a hit as contractors push back deadlines and take longer to complete projects, as the industry struggles with fewer workers.
And this seems to have affected the Housing Board sector as well, with estimated waiting times for some recent standard BTO projects of 20 storeys and below being stretched to as long as 43 months.
The National Development Ministry said in 2010 that the waiting time - from booking a flat to collecting the keys - for such BTO projects launched after the middle of 2011 would be about 2 1/2 years, or 30 months.
But this seems to be no longer the case, despite the Housing Board moving to a building "ahead of order" system.
A quick check of January's BTO launches shows that estimated completion times for projects of under 20 storeys range from 32 to 43 months.
For bigger projects - with more storeys and units - the waiting time stretches to as long as 58 months, or nearly five years.
The 1,058-unit Fengshan Greenville in Bedok, for instance, comprising eight blocks that are 16 to 19 storeys, has an estimated waiting time of 54 to 58 months for some of its blocks.
But even for typical standard BTO projects comprising five blocks of not more than 20 storeys, the 30-month timeframe seems unlikely to be met.
Tampines Greenforest, for instance, comprising 424 units in four blocks of 15 storeys each, has an estimated waiting time of 35 to 37 months. It was launched in January this year.
Similarly, Punggol Opal with four 17-storey blocks comprising 526 units also has a waiting time of 35 to 38 months, while GreenTops @ Sims Place in Geylang - a 19-storey block with 338 units - is expected to take 36 to 38 months. Both were launched in last July's BTO exercise.
A Housing Board spokesman noted that the construction time for each project depends on many factors, such as the complexity of the design features, soil conditions and other site constraints.
For standard BTO projects of 20 storeys and below completed from 2010 to last year, however, the average construction time was 30 months, he said.
Accountant K.C. Lee, 27, applied for a five-room flat at Keat Hong Mirage in Choa Chu Kang last November. The 1,159-unit development has an estimated waiting time of 39 to 43 months.
Mr Lee said that while the waiting time is quite long, it works for him. "It also gives me some time to get our finances ready for expenses like the honeymoon, renovation and deposit.
"But the long waiting time of three to four years might cause unpredictability for some relationships. I'm sure there are also some buyers who want a ready flat sooner so that they can start leading private lives."[solo_estoy (3-18 9:16, Long long ago)]
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(引用 -_-||:DBSS首付不是问题。但是得挑个好的。靠近地铁站的。)DBSS可以Staggered Down payment Scheme吗？如果楼主夫妇一人年纪在30岁以下，首付只需要5%?[solo_estoy (3-18 9:21, Long long ago)] [ 传统版 | sForum ][登录后回复]5楼
bto等待时间太长了而且抽签不一定一次能中。楼主的情况恐怕等不起。
买resale需要的现金恐怕比dbss多吧，因为有cov.
Dbss的问题是现在剩下的房子不多了,楼主有去看过吗? 买三房也比租房划算啊。拿了housing grant说不定能买四房呢。
楼主也可以考虑一下ec, 有些ec的价钱跟dbss差不多，ec的升值潜力比较大
[本文发送自华新手机Wap版]
[dragon12 (3-18 11:17, Long long ago)]
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(引用 dragon12:bto等待时间太长了而且抽签不一定一次能中。楼主的情况恐怕等不起。
买resale需要的现金恐怕比dbss多吧，因为有cov.
Dbss的问题是现在剩�...)是可以考虑一下EC，找那些在卖尾房的快要TOP的
Arc at tampines算是价格较低的，还剩16间
1 Canberaa 还有239间
[solo_estoy (3-18 11:52, Long long ago)]
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非常感谢大家的建议现在我和老公都没到三十岁。EC感觉还是比DBSS贵多了。如果DBSS首付只需10%的话就考虑买个大点的DBSS了。但是看HDB网站上好像说不管拿 HDB loan 还是 bank loan 都要付20%的首付？我们还没有看过DBSS, 打算最近去看看。[甜言蜜语 (3-18 20:41, Long long ago)] [ 传统版 | sForum ][登录后回复]8楼
(引用 甜言蜜语:非常感谢大家的建议现在我和老公都没到三十岁。EC感觉还是比DBSS贵多了。如果DBSS首付只需10%的话就考虑买个大点的DBSS了。但是看HDB网站...)HDB贷款10%首付。 [本文发送自华新手机Wap版] [-_-|| (3-18 21:57, Long long ago)] [ 传统版 | sForum ][登录后回复]9楼
(引用 -_-||:HDB贷款10%首付。)DBSS 和 EC如果用HDB贷款，首期都是10%？？[开始了 (3-19 0:03, Long long ago)] [ 传统版 | sForum ][登录后回复]10楼
(引用 开始了:DBSS 和 EC如果用HDB贷款，首期都是10%？？)EC没可能首付10%，貌似也不可以HDB loanFor the purchase of EC, you need to obtain a bank loan.
If your average gross monthly household income is more than $8,000 a month and buying a DBSS flat from DBSS projects launched for public sale after 30 Aug 2010 onwards, you will have to apply for a housing loan from banks.[solo_estoy (3-19 9:19, Long long ago)]
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(引用 solo_estoy:EC没可能首付10%，貌似也不可以HDB loanFor the purchase of EC, you need to obtain a bank loan. If your average gross monthly hou...)thanks for your info.[开始了 (3-19 9:31, Long long ago)] [ 传统版 | sForum ][登录后回复]12楼
dbss估计现在剩不下什么了吧。。bedok dbss已经卖出去95%，剩下的10几套房子估计都是底层5房。3房估计不会剩下的，3房4房卖的是最快的，因为便宜。并且别忘了dbss也有种族限制，这10几套房子你也不一定能买（必须马来族印度之类的才可以买）。你可以打电话调查一下先。
bedok是倒数第二套dbss，倒数第一套是clementi，估计现在也剩不下什么好房子。再早的估计更没有了，有个yishun的dbss如果我没记错，那个地脚不是很好，应该还有一些空余。
如果dbss还有房你满意，即使5房，hdb贷款首付10%加乱七八糟的税估计7，8w差不多够了。但如果dbss基本没有满意的剩房下，resale恐怕是你的唯一出路。
还有一点，最近的几个dbss的面积都很小，bedok dbss 5房也就只有105平米，还是4室2厅1厨2卫2阳台，你可以想象房间有多小。
Bedok dbss去年年初开盘卖，现在已经基本盖到10多层了（总共14层），估计明年农历新年前后就能交房。但估计你也不一定能等。。。
[hula (3-20 12:27, Long long ago)]
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(引用 hula:dbss估计现在剩不下什么了吧。。bedok dbss已经卖出去95%，剩下的10几套房子估计都是底层5房。3房估计不会剩下的，3房4房卖的是最快的，�...)纠一些错"bedok是倒数第二套dbss，倒数第一套是clementi，估计现在也剩不下什么好房子。再早的估计更没有了，有个yishun的dbss如果我没记错，那个地脚不是很好，应该还有一些空余。"
勿洛不是倒数第二，之后还有后港、裕廊西、金文泰和巴西立的DBSS
最后一套DBSS是巴西立的Pasir Ris One
义顺的DBSS已经卖完。
http://www.hdb.gov.sg/fi10/fi10321p.nsf/w/BuyingNewFlatFlatsonOfferDBSS?OpenDocument[solo_estoy (3-20 13:52, Long long ago)]
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要想所有要求满足是不可能的，看你们的取舍了，我们当时就是投BFSBFS很快，我们是3月release,4月交application,8月出结果，9月拿钥匙。
因为我9月怀孕，所以我们俩就慢吞吞装修，12月1号开工，1月出基本完成，2月底才搬进去的。其实我觉得这个都有点太快了，新房的装修气味还有。
BFS里头也有旧房子也可能有新房，看地区。
我们当时就是担心popular area BFS我们也拿不到，最后选的偏远的。理由是，毕竟偏远的，对于小孩和老人来说，没区别。是我们俩上班辛苦点罢了。当然也有可能以后换工作，就没那么远之说。
价钱来说，BTO, BFS是最便宜的。
你们俩工作地方差别远，总有至少一个人要牺牲的。
另：BTO没有四五年那么慢，现在政府会承诺你3年，但是实际上工程在2年就完成了。
如果买resale，也有好处，就不细说了。就不用以后再BTO了吧。。[simomo (3-21 12:24, Long long ago)]
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(引用 solo_estoy:现在控制外劳，BTO可能需要更长时间建成BTO flat buyers face longer wait amid labour and supply strains Published on Mar 18, 2013...)阿才看到这个。。。[simomo (3-21 12:25, Long long ago)] [ 传统版 | sForum ][登录后回复]16楼
(引用 simomo:阿才看到这个。。。)今天推出的bukit batok BTO五房最贵卖53万Estimated Waiting Time* 51 to 55 months[solo_estoy (3-21 16:09, Long long ago)] [ 传统版 | sForum ][登录后回复]17楼
(引用 solo_estoy:今天推出的bukit batok BTO五房最贵卖53万Estimated Waiting Time* 51 to 55 months)BTO都53万的话那就毫不犹豫的选DBSS了。。。实在没办法，只好再等两年了。[甜言蜜语 (3-21 23:10, Long long ago)] [ 传统版 | sForum ][登录后回复]18楼
剩下的唯一一个DBSS真心贵Pasir Ris One, 三房65平四十多万，四房86平六十万左右，五房105平七十来万。还要再等两年多的样子才能盖好。再三考虑了下，本来下定决心买DBSS现在又动摇了。[甜言蜜语 (3-22 20:29, Long long ago)] [ 传统版 | sForum ][登录后回复]19楼
(引用 甜言蜜语:BTO都53万的话那就毫不犹豫的选DBSS了。。。实在没办法，只好再等两年了。)正常，去年三月clementi BTO 四房最高到65万啊[simomo (3-25 11:42, Long long ago)] [ 传统版 | sForum ][登录后回复]20楼