anything pasal HOUSING

virgomal

Originally posted by chicsee at 2004-6-28 03:50 PM:


Loli cakap pasal ni, teingat Chic pat case kawan Chic. Baru 2 minggu lepas dia citer. Dia ni sebelum kawin, apply rumah ngan mak bapak dia. Tapi mak bapak dia duduk Johor. Sekarang dah kawin, w ...

chics... selalunyer camtu ah
lain citer lain yang dorang buat
rules and regulation hdb ni tak pernah stick lama
dalam 24 jam jer boleh berubah...
kena hati

chicsee

Originally posted by deaf4ever at 28-6-2004 04:22 PM:



Chic , biar betul kawan kau?

Adakah dia ambil keputusan besar ni hanya ngan satu panggilan telepon je?

patut dia ulang alik HDB , mintak black and white rules and regulations dan tengok ...

Itu lah. Aku pun tak tanya sangat lah sebab dia tengah marah time dia citer pat kita. Nak jumpa MP pulak kena tunggu berminggu2....

SweetCandy

tumpang tanya sikit, ade this my fren dia baru beli rumah baru, konon kata dia kalau kita nak ikat w hdb loan , bleh ke dia ikat 10 tahun walaupun cpf dia ni hanya abt $35K?? setahu sc, its better to ikat w hdb loan for let say abt 25 years or 30 years, nak tau juga dari pakar2 tentang housing ni. :tq::tq:

chicsee

Originally posted by SweetCandy at 29-6-2004 02:44 PM:
tumpang tanya sikit, ade this my fren dia baru beli rumah baru, konon kata dia kalau kita nak ikat w hdb loan , bleh ke dia ikat 10 tahun walaupun cpf dia ni hanya abt $35K?? setahu sc, its better  ...

Aitttt.....CPF dia 35K nak ambik loan 10 tahun jek? Mana dia nak cekau duit? Unless dia ada cash lebih lah bayar bulan2 beribu....:hmm:

SweetCandy

Originally posted by chicsee at 29-6-2004 02:53 PM:


Aitttt.....CPF dia 35K nak ambik loan 10 tahun jek? Mana dia nak cekau duit? Unless dia ada cash lebih lah bayar bulan2 beribu....:hmm:

tulah dah bilang si my fren tapi entahlah susah org mcm gini.....:hmm:

chicsee

Ok Chic calculated, based on a flat costing 200K and HDB loan rate of 2.6% p.a., his monthly instalment is about $1732.50.  Kalau gaji dia besar, suami isteri, boleh kot....

SweetCandy

Originally posted by chicsee at 29-6-2004 02:59 PM:
Ok Chic calculated, based on a flat costing 200K and HDB loan rate of 2.6% p.a., his monthly instalment is about $1732.50.  Kalau gaji dia besar, suami isteri, boleh kot....

okie kalo rumah harga dia is $136K, mcm mana instalment dia ni

kalau you nak take loan,make sure you got sufficient money in cpf.take note,
kalau kita kena retrenched that will be a big issue later on.i got some friends who are on contracts,once contract tak renewed....dia stress...nak kena cari kerja.
dulu my inlaw nak upgrade to a bigger house,i told them economy not so good,job tak stable macam dulu.he was confortable,gaji dia besar.sekali management baru masok he kena retrenched.nasib baik dia tak commit.if you are the only one paying for the flat,please do your sums before you proceed.

chicsee

Originally posted by SweetCandy at 29-6-2004 03:03 PM:

okie kalo rumah harga dia is $136K, mcm mana instalment dia ni

Based on my calculations, dia punya instalment is around $1060.50 thereabouts lah. This is based on a loan of 101K after deducting 35K from CPF at HDB loan rate of 2.6%....kira boleh lah...

Actually the shorter the repayment period, the better coz you pay less interest. But of course you must be able to afford it lah....

Disclaimer: Calculation pat atas tu estimation jer, kalau salah jangan marah haaaaa....

chicsee

Originally posted by matz_rockz at 29-6-2004 03:05 PM:
kalau you nak take loan,make sure you got sufficient money in cpf.take note,
kalau kita kena retrenched that will be a big issue later on.i got some friends who are on contracts,once contract tak  ...

:setuju:  100%

Macam Chic baru beli rumah ni, kena ambik bank loan. Tak boleh ambik HDB loan unless I upgrade to exec. Bagus nya ambik bank loan ni, diorang tak sapu duit CPF kita semua. As long as you have enough for the 20%, yang lain kalau you tak nak, diorang tak kacau. So you can retain a certain sum for emergency.

Kalau HDB loan, diorang sapu semua. You dun have that option. :ah:

SweetCandy

Originally posted by chicsee at 29-6-2004 03:15 PM:


Based on my calculations, dia punya instalment is around $1060.50 thereabouts lah. This is based on a loan of 101K after deducting 35K from CPF at HDB loan rate of 2.6%....kira boleh lah...

...

tks chic, dun worry kalo salah sc tak mare u, hehehe its been great help

SweetCandy

last sat sc terperanjat bila tengok berita kat tv, ade this couple dah move in kat jurong west, kecian wen they found out their floorings semua dah jadi rosak, rumah dorang tu si premier one & dah pasang siap oleh hdb. Skrg punya time pade sesiapa yg nak beli rumah baik rumah baru atau rumah resale kena check for any defaults jgn samapai ke tehap yg serius:no::no:
Smetimes kita pun tak sangka benda mcm gini bleh berlaku, all tis shld blamed hdb cos nak cut cost of labour for the contractors yg naikkkan rumah2 ni.

chicsee

Originally posted by SweetCandy at 12-7-2004 04:41 PM:

last sat sc terperanjat bila tengok berita kat tv, ade this couple dah move in kat jurong west, kecian wen they found out their floorings semua dah jadi rosak, rumah dorang tu si premier one & dah pasang siap oleh hdb. Skrg punya time pade sesiapa yg nak beli rumah baik rumah baru atau rumah resale kena check for any defaults jgn samapai ke tehap yg serius
Smetimes kita pun tak sangka benda mcm gini bleh berlaku, all tis shld blamed hdb cos nak cut cost of labour for the contractors yg naikkkan rumah2 ni.

:setuju:

Diorang tau cut cost, rumah makin kecik, harga makin tinggi....nf:

chicsee

Last Friday Chic pegi 1st appt untuk jual rumah pat HDB, belum apa2 diorang dah tanya nak bayar HDB levy (which is about 25% of the selling price of your house) sekarang atau bila kita beli rumah baru dari HDB in future. :agr: Entah apa aje lah diorang ni, nampak sangat mata duitan. Baru 1st appt, duit kita diorang belum bagi, dah mintak untuk future purchase pulak...nf:

deaf4ever

Originally posted by SweetCandy at 12-7-2004 04:41 PM:
last sat sc terperanjat bila tengok berita kat tv, ade this couple dah move in kat jurong west, kecian wen they found out their floorings semua dah jadi rosak, rumah dorang tu si premier one &  ...

kadang2 kesian kat penghuni flat baru,
mereka harapan tinggi, dapat kunci, terus boleh pindah masuk rumah...

tapi bila ada macam2 defect, eg - ceiling leak, wall tiles retak, flooring retak, flooring rosak.....
memang HDB akan ganti baru, pasal ada defect liability period,
tapi ia dah susahkan penghuni tu.... time consuming...
lagi kalo tukar tu tukar ni, kadang2 original punya materials dah habis, last2 kena ganti kaler lain...

ni semua boleh dielakkan, jika semua pihak utamakan proper QC dan jugak proper checks sebelum kasi kunci..


;)

deaf4ever

aku punya terkejut,

ada soalan cam gini boleh keluar kat sokkabar straits times....

dan ni soalan aku rasa akan buat semua orang fikir jugak dan tunggu jawapan...


korang semua belum baca, sila baca ye...  :bgrin::bgrin::bgrin:



How does HDB price its flats?
I REFER to the article, 'Contractors' 'suicide bids': a gamble for survival' (ST, July 8).

I read with interest that Chip Eng Seng Contractors built 824 flats in Bukit Batok for $39.78 million in 2000. Simple division tells us each flat was constructed at a cost of about $48,000.

This same company is also completing, in the same area, a 456-unit project for $23 million. This works out to be about $50,400 per flat.

Many modern HDB-dwelling Singaporeans are interested to know how much more they are paying above the cost price of their flats.

It is common knowledge that new HDB four- and five-room flats sell from $200,000 upwards. Why are Singaporeans paying so much more for their flats when the unit cost price hovers around only $50,000? This is despite the subsidies the housing authorities grant to public housing.

What are the additional costs HDB buyers are paying for? If the land cost is factored in to the final purchasing price, it implies the cost of the land is four to five times the construction cost. This does not make market sense.

Private developers' construction cost generally does not differ too much from the land cost. These developers bid for the land parcel competitively, hence we can assume they have paid the optimum price for their winning bid.

Let's take a typical low- to mid-range 99-year leasehold condominium for comparison. Winning bids for land parcels go at $150 to $250 psf. Construction cost hovers around $200 to $250 psf and the final price goes at about $400 to $550 psf after including allowance for profits and other miscellaneous costs such as legal fees and marketing.

Land for HDB flats is not bid for competitively and so the 'price' paid for it cannot possibly be four to five times the construction cost. This is an aberration when compared to the private market.

Can the HDB explain how its flats are priced? The huge difference between the selling price and the cost of construction is worrying. What else are we paying for?


DOUGLAS CHOW TUCK KHEONG
  



dah baca? aku baca, memang betul punya mind boggling la...:gila::stp::gila::stp:

SweetCandy

mind aku pun dah jadi :stp::gila::stp::gila:

we over paid our pigeon hole ............... liau alreadi .....

chicsee

Fuyooo....teruk gakz kita kena ketuk ek? Tak agak2 sampai 4x over.....

SweetCandy

Originally posted by chicsee at 14-7-2004 12:04 PM:
Fuyooo....teruk gakz kita kena ketuk ek? Tak agak2 sampai 4x over.....

pengsanlah kita mcm gini.