(引用 Martin1983:我也喜欢金沙，要不一起去加纳淘金吧。😄)可考虑。找几个当保镖。刚刚的 [本文发送自华新iOS APP] [king (9-12 14:38, Long long ago)] [ 传统版 | sForum ][登录后回复]261楼
(引用 -_-||:赶快卖的你的组屋然后买这个。Hurry up!!!
Launching Now
Sky2 Bishan Centra-MRT
1br 484-592 sqft fr $6xx K
2br 680-850 sqft fr $8x...)我也收到消息了，在微博求组团去看房呢，你居然跑这里来组团了这个真的是好好好心动啊，我理想的学区房啊，尼玛三卧还是周边最便宜的起价啊！！两卧居然不到100万，跟我家对面的价格有的一拼，情何以堪。。。
巴过，因为是期房，我刚刚收到消息去四处打电话去跟banker,我老公，还有这个项目的AGENT都算了帐，想了各种办法，除非我能借到几十万，否则别想了。一大障碍：我必须要等到明年拿到income tax才可以贷款，所以今年既不能贷款买房也不能做HDB ownership transfer.因为我目前的情况一分钱房贷也拿不到。
有可能的话，把HDB贷款还清再去做Ownership transfer，然后脱一个人名字出来去买这个，也问到收入不够的话可以用show fund从别的银行另外贷一份款补充不够的那部分的贷款。这样算下来除了CASH金额巨大，另外一个问题是我清偿贷款再做完ownership transfer，这花费的时间都够我等到明年Income tax出来了。到时候这项目估计都要卖光了。
capitalland为神马不要等等我。。。等我卖了组屋或者等我可以贷款再开盘嘛，讨厌。。。肝肠寸断的赶脚有木有？[凡人 (9-12 15:25, Long long ago)]
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(引用 宫崎骏:这就来啦 ...)妈妈呀，厉害了，什么数据多有！！那能不能interpret一下撒[一点不懂 (9-12 15:27, Long long ago)] [ 传统版 | sForum ][登录后回复]263楼
(引用 Martin1983:我也喜欢金沙，要不一起去加纳淘金吧。😄)报名。哈哈！ [本文发送自华新iOS APP] [天彳亍 (9-12 15:30, Long long ago)] [ 传统版 | sForum ][登录后回复]264楼
(引用 宫崎骏:贴张图给大家分析分析看上去一个基本的原则是，组屋和私宅大势是一致的。 区别来看的话，私宅起得快掉得也快，起得多掉得也多，比组屋的�
...)很好！我刚想来更新好消息：我可以买组屋了。。。因为马国银民很好心的宣布允许我把小公寓转名给家里人。收费还巨便宜！
等我办完这个就可以去换组屋搬家了。
大家别扔西红柿。。。[凡人 (9-12 15:35, Long long ago)]
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(引用 -_-||:嘉德在那里拿了两块地。一高一低搭配着卖。类似iphone 5C 5S。 我刚拿到价格。具体情况不明。月底要开盘的Thomason 3 反响不错。估计这两...)这面积已经比j gateway, kingston square好很多了capitalland的单位面积相对来说已经算比较大的了。[凡人 (9-12 15:38, Long long ago)] [ 传统版 | sForum ][登录后回复]266楼
(引用 凡人:我也收到消息了，在微博求组团去看房呢，你居然跑这里来组团了这个真的是好好好心动啊，我理想的学区房啊，尼玛三卧还是周边最便宜的起价...)一公里内只有一个男校吧 [本文发送自华新手机Wap版] [灵山 (9-12 15:46, Long long ago)] [ 传统版 | sForum ][登录后回复]267楼
(引用 凡人:我也收到消息了，在微博求组团去看房呢，你居然跑这里来组团了这个真的是好好好心动啊，我理想的学区房啊，尼玛三卧还是周边最便宜的起价...)我可没求团。这岂是能团的起的。谁要真有意思问问，就顺便分析分析，有缘分就成一套。
话说回来，你要是真想买，就不要告诉大家嘛。大家不知道，你就可以买到了。
另外，我替你想好了，卖组屋就是了。这么好的价格机会岂能错过？便宜点，组屋还是比较容易出手的。首付就齐全了。怎么看，地基打好，也是明年4，5月后的事情了。这样，明年再做贷款也不迟。技术上完全可行。你是中介啊，这点应该小意思。加油，体现魄力的时候到了，我看好你！大家围观这么久，应该看到一出惊天地泣鬼神的大戏啊。
最后就租个舒服的房子等TOP了。最好租Bishan ，小孩上学报名什么的都齐全了。
[本文发送自华新手机Wap版]
[-_-|| (9-12 15:47, Long long ago)]
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(引用 -_-||:我可没求团。这岂是能团的起的。谁要真有意思问问，就顺便分析分析，有缘分就成一套。 话说回来，你要是真想买，就不要告诉大家嘛。大家�...)坐等后续消息顺便学习。 [本文发送自华新iOS APP] [天彳亍 (9-12 15:51, Long long ago)] [ 传统版 | sForum ][登录后回复]269楼
(引用 -_-||:我可没求团。这岂是能团的起的。谁要真有意思问问，就顺便分析分析，有缘分就成一套。
话说回来，你要是真想买，就不要告诉大家嘛。大家�...)这我也想过啊，问题是我这边的组屋你不是有在卖么，你又不是不清楚情况一时半会卖不掉啊。而且办完手续我才有钱去付公寓首付啊。
我没你那么大魄力去租房子，还是自己房子住的舒服。话说，你的MOP也满了，现在又的确租着房子，考虑出手么？
我估计这项目开盘多少回有几分J gateway的风范。延后贷款我不是没想过啊，问题是政府在这期间再出个啥新政策我就挂了，所以贷款我宁愿借钱去做showfund也不想延后贷款。今天MAS又出新政了你知道么？虽然跟房贷没关系。[凡人 (9-12 15:56, Long long ago)]
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(引用 灵山:一公里内只有一个男校吧)再下去一点两公里以内还有的这个地段作为学区房不完全是因为小学，主要是因为孩子到JC都不用倒腾换地方了。[凡人 (9-12 15:57, Long long ago)] [ 传统版 | sForum ][登录后回复]271楼
(引用 凡人:再下去一点两公里以内还有的这个地段作为学区房不完全是因为小学，主要是因为孩子到JC都不用倒腾换地方了。)呵呵， 都想到jc了不错 [本文发送自华新iOS APP] [king (9-12 16:09, Long long ago)] [ 传统版 | sForum ][登录后回复]272楼
(引用 凡人:很好！我刚想来更新好消息：我可以买组屋了。。。因为马国银民很好心的宣布允许我把小公寓转名给家里人。收费还巨便宜！ 等我办完这个就...)扔害我要输1块钱 [本文发送自华新iOS APP] [king (9-12 16:13, Long long ago)] [ 传统版 | sForum ][登录后回复]273楼
(引用 凡人:这我也想过啊，问题是我这边的组屋你不是有在卖么，你又不是不清楚情况一时半会卖不掉啊。而且办完手续我才有钱去付公寓首付啊。
我没你...)一听你说完，立刻去找，原来credit card也不好申请了，才cancel了个ready credit lineSINGAPORE: The Monetary Authority of Singapore (MAS) has finalised changes to credit card and unsecured credit rules aimed at improving lending practices by financial institutions and enabling individuals to make better borrowing decisions.
The policy changes follow a public consultation in which respondents generally supported the proposals, said MAS in a statement on Wednesday.
According to the key policy changes, financial institutions will be required to review a borrower's total debt and credit limit before granting a new credit card or unsecured credit facility, or increasing the credit limit on such facilities.
This would enable a more realistic assessment of an individual's borrowing capacity.
Secondly, financial institutions are required to disclose to borrowers the total amount and time needed to fully pay off their debts if they pay only the minimum payment each month.
Financial institutions are also to disclose to borrowers the amount of debt that would accumulate by the end of six months if they fail to pay in the next six months.
MAS said this will help borrowers make more informed credit decisions while taking into account the total cost of borrowing.
Thirdly, financial institutions will be required to obtain a borrower's express consent for the amount of each credit limit increase.
This is to ensure that credit limit increases are not extended to borrowers unless they agree to such an increase.
In addition, financial institutions will not be allowed to grant further unsecured credit to individuals who have outstanding unsecured debt of more than 60 days with these institutions.
Similarly, other financial institutions will not be allowed to grant new cards and unsecured credit facilities or increase credit limits on existing facilities.
MAS said this will help individuals who already have difficulties repaying their existing debt avoid getting into further debt problems.
Financial institutions will also not be allowed to grant further unsecured credit to individuals whose aggregate interest-bearing outstanding unsecured borrowings across all financial institutions exceed 12 months of their income for 90 days or more.
This includes not being able to charge further amounts to all existing unsecured cards and unsecured credit facilities as well.
MAS said this would help individuals who have already accumulated high levels of debt through credit cards and unsecured credit avoid accumulating further risk.
MAS added that the total limit on what an individual can borrow through all his credit cards and unsecured lines is aimed at instilling financial prudence.
The limit has been set at 12 months of income.
MAS said most borrowers of unsecured credit should aim to stay well within the 12-month limit, as such borrowings typically attract high interest costs.
MAS will also closely monitor the situation and lower the limit if necessary.
The proposals will be implemented in stages with some taking effect as soon as the revised rules are issued.
Others are expected to come into effect over time to give borrowers and financial institutions some time to adjust.
MAS added that borrowers will have a transition period of 18 months to re-evaluate and pay down their existing borrowings to stay within the aggregate limit on credit card and unsecured borrowings.
MAS expects financial institutions to work actively with affected borrowers to facilitate debt refinancing and restructuring in order to reduce their debt burden.
The Singapore central bank is studying if more time should be extended to borrowers whose current aggregate unsecured debt exceeds 12 months of their income.
The MAS is seeking public feedback on the draft amendments to the Banking (Credit Card and Charge Card) Regulations and to the relevant MAS Notices arising from these rule changes.
The consultation paper can be found at MAS website. MAS invites interested parties to give their views and comments on the consultation paper by 10 October 2013.
When contacted by Channel NewsAsia, UOB said "it remains prudent and disciplined in its credit evaluation processes". It sees the new measures as a proactive move to mitigate the risk of consumer over-leverage.
Meanwhile OCBC Bank said it "welcomes the policy change to further strengthen the criteria to prevent over-borrowing".
The banks did not comment on whether the new measures would lead to higher manpower or IT costs as more thorough background checks are required.
Meanwhile data from Singapore's Credit Bureau showed that from January to July 2013, the percentage of credit cardholders with credit card delinquencies was 4.9% per month, compared with 4.7% in the same period in 2012.
Meanwhile the percentage of credit cardholders who defaulted on their credit card from January to July in 2013 was 0.13% per month on average.
[shellyshelly (9-12 16:13, Long long ago)]
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(引用 shellyshelly:一听你说完，立刻去找，原来credit card也不好申请了，才cancel了个ready credit lineSINGAPORE: The Monetary Authority of Singapore (...)晕，怎么这么长？[shellyshelly (9-12 16:14, Long long ago)] [ 传统版 | sForum ][登录后回复]275楼
(引用 凡人:很好！我刚想来更新好消息：我可以买组屋了。。。因为马国银民很好心的宣布允许我把小公寓转名给家里人。收费还巨便宜！ 等我办完这个就...)什么意思，没懂[一点不懂 (9-12 17:08, Long long ago)] [ 传统版 | sForum ][登录后回复]276楼
(引用 凡人:这我也想过啊，问题是我这边的组屋你不是有在卖么，你又不是不清楚情况一时半会卖不掉啊。而且办完手续我才有钱去付公寓首付啊。
我没你...)@King 输钱的节奏。我帮凡人解决问题。首先不是每家银行看commission based的收入都是看income tax的。例如Citibank看过去6-12个月公司的佣金就行。你在我组里面，收入多少我有数，嘿嘿（悄悄告诉大家，很高的哦，哈哈）
其次，首付可以用bridge loan搞定。所以两个月能给组屋找个买家，执行了，就能搞定bridge loan，首付就不是问题。组屋两个月价格合理一定能卖，何况你的房子条件不差。
我看你对嘉德的呐喊，让他等等你，于心不忍。出手帮你安排好了。你要感谢我哈。
至于我嘛，从来不考虑卖我的组屋。而且买不起公寓才租公寓啊。你刚决定要卖组屋了，这个盘就要开了，正当其时啊！简直就是给你设计的。上吧！
[本文发送自华新手机Wap版]
[-_-|| (9-12 18:07, Long long ago)]
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(引用 -_-||:@King 输钱的节奏。我帮凡人解决问题。首先不是每家银行看commission based的收入都是看income tax的。例如Citibank看过去6-12个月公司的...)at错了。 有内幕你俩找我做助手呗，可开车，做账，报税， 数钱等，端茶倒水也行。 [本文发送自华新iOS APP] [king (9-12 18:47, Long long ago)] [ 传统版 | sForum ][登录后回复]278楼
(引用 一点不懂:什么意思，没懂)因为买二手组屋必须要卖掉私宅，可是马国那个小房子还没建好，那边规定不给卖楼花所以就卡住了。。。[凡人 (9-12 23:59, Long long ago)] [ 传统版 | sForum ][登录后回复]279楼
马国楼，真心不要买啊，坑人没商量[On (9-13 9:03, Long long ago)] [ 传统版 | sForum ][登录后回复]280楼