Prepaid ? prepaid card around $15 (3g). Remember that after the free incoming call period, accepting calls will deduct your credit. I don't use the phone too often, so I top up like $10 a couple of weeks.

Postpaid fees goes around $30 ++ a month depending on plans / usage.

Use Skype or other internet enabled options.

Some of these figures makes me go ...

Example Chief information officer/ Chief technology officer is listed as $7,000 as median salary. dafuq? 7k?

First get a banker to evaluate your credit and give you an AIP (approval in principle), using that you know how much can you loan.

For HDB, ensure that you do not have a long term plan to invest anywhere elase for the next 5 years. For PR, you can only buy resale HDB/EC.

i suggest you to buy EC (5 year old EC), those will be a full fledge condo after 10 years.

2 bedder are very hot, if you want very dirt cheap, check out Melville Park, 750k for 2 bedder. But downside, its a little india there. Price stagnant for very long.
Else, airstream, just TOP this year, but 2 bedder there very small, hardly a real 2 bedder. Or Beacon Height, newly TOP too, hovering around 1.1m

Or places like changi or flora drive, mostly still below 1mio for 2 bedder and spacious. One thing all these are very far from MRT and a distance from bus stop.

Usually can appeal for extension from govenment but also depends, if its a prime area, very likely gov will take back.

The AIP only an in principal approval at the point of submission, you need to get a new ones after you sign your OTP (option to purchase).

while Sg govern restrict the purchase of  foreign property, just pandai pandai dont get caught. However, if you do, you will get heavy penalty to the point of repossession of your HDB. I just attended RES course (real estate sg course) and most of the repossess case are reported by neighbours and friends (jealousy).

No reimbursement for expired leasehold, you are buying a leasehold property hence value correspond with the lease tenure. Maybe reimburse you the balance of lease according to market value.

AIP is free. But banks should give the same AIP. remember to get valuation as well!

Yes, those within affordable level are Pasir Ris/Flora Drive.
Flora Drive
Carissa Park
Estella
The Gale (TOP soon)
Ferraria
Dahlia
Avila
Azalea

City Fringe/Boon Keng
Airstream
iSuites @ Tani
Vetro
Callista
Beacon Heights
City Regency

I have seen most of the above for the past 6 months. The above are all resale units (existing condo) and are within 900-1100psf depending on your size and freehold/999 leasehold. I bought one of the development in the list.

My criteria of selection, the current rental must be able to cover the installment and the lowest psf within that area. You must be fast though, ppl buy property here like beli sayur, a few that I missed out cause my bf PR was still pending. The day he got his PR letter, I straight call the agent and pay him the 1%.

HDB procedure

1) View property, pay SGD1K (Maximum deposit) can negotiate but max is SGD 1K.
2) Then the rest can ask HDB agent. Not familiar

Condo procedure
1)1% downpayment sign acceptance letter (Seller's name)
2) 4% downpayment (to seller's lawyer), execution of OTP  (within 14 days) (Option to Purchase) (TOP - Temporary Occupancy Permit - means can move in and stay, something like CF in Msia)
3) Another 3% (minus SGD5.4K) for stamp duty - pay to lawyer
4) Balance of 15% before signing of SPA (2 - 3 month from signing of OTP) - You can apply for CPF if your CPF is enough.

Look for 3/4/5/etc box layouts. Stay away from corridors, bay windows, store room/utility room/bomb shelter/study, wet/dry kitchens, immovable islands (eg. counter tops, decoration cabinets, room dividers, indoor gardens etc) etc. Smallest possible aircond compressor 'balcony' and washing machine/dryer area.

And these days, they sure whack you with a useless balcony. So I look for the narrowest, shortest one or one with unblocked view so that you can open the sliding doors and actually extend the space abit. But on the other hand... think of the dust.

I would imagine the limiting factor for most people isn't the monthly repayments, but the amount of cash you need to save up for the downpayments for each property. I mean, like a HDB, I'd say most couples could easily afford the 1.5k or whatever monthly repayment. It takes a lot more discipline and financial planning to save up the (close to) 100k to actually buy it in the first place, though.

When the bomb shelter is the stair well, you're not charged. When it's your "utility room", you pay the psf. When the corridor is the lift lobby, you're not charged. When they put a corridor inside your flat (instead of say, having all the bedrooms open directly into the living room), you pay the psf.

Stamp duty is calculated base on higher of both.

Is that normal that agent fee is imply to both seller and buyer? Any chance buyer don't pay the agent fee when purchase a property?

Yeah i also work at tanjong pagar, this week everyday travel from jb, its damn killing me of    total spend 5 hours on travel, 5am wake up and reach home 9 or 10pm.

Think of move in sg already , btw u guys know nearly food court that cheaper food in tanjong pagar? can intro me? cause plaza food all min 7sgd per meal 

Taking into consideration if I were asked in for interview the travel cost (and possible overnight accommodations) I could be spending quite a large amount on just a possibility. And with the recent tightening of the foreign worker quota...

PS: I think most people would've start looking through online job market when job hunting, its just that obvious a step. But I'm asking about renting a place in Singapore whilst looking for one. Staying in a hotel is way too expensive to consider.

Sounds like you went for your first "open house" organised by the agents. That usually deteriorates into a bidding war. But you're right. You have to be quick. You need to be firm on your budget (ie. pay right to limit of your budget without having to think, think, think) and you need to target a location, not a flat. If you're going for HDB and mass market condos - know that no flat will be perfect for your family/circumstances, and you can always compromise/improve once you move in. So don't fuss over small stuff like room layout, wall colour, slightly small size of this room/that room etc.

My last 2 flats... I took it the moment I walked in the front door. The living room was bright, inviting and it felt comfortable to come home to (no hantu, damp, dark, lonely feeling etc). Location and budget was right,.. so other stuff can be managed.

Unless you're buying very high end, there's no use fussing over too much feng shui for SG properties. They are built at such high density that there's ALWAYS something that will be at odds with one feng shui covenant or another. IMO, as long as the very basic principles are okay, it's a go.

All new launches are purchased sight unseen, on the basis of some pictures and a Lego building. So, that's even worse than wet market. So, at the end of the day, it's all about location, amenities and facilities. That's the primary basis for the rental as well. Don't sweat the small stuff.

singapura memang stress, all u do is work work work

Exactly.. come singapore for the sake of S$$$$$$.. haha