4 months on and you think of subletting?
good that you see far ahead, but bad you do not see the present.

like what yhoong mentioned, PR allows better work opportunity.
on top of that, CPF by employer.

to buy a HDB flat for PR, you need to be PR along with your spouse.
furthermore, the initial payment for buying a hdb is ...   
until you have enough dough to cough up for the initial payment, it is still a few years down the road (well, unless you are loaded..but if you are loaded, go condo)

edit: forgot this is sublet
cannot sublet hdb, sublet condo lo.

It's required for you to get an EP. Avoid importing spoilt products haha

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Added on July 11, 2012, 11:28 pm

First condo 20% subsequent property 40%
If buy hdb cannot buy any private prop be it in sg or overseas within 5 years of MOP.

can always settle for a 350k-400k HDB mah...CoV at 15k....where can get? rough average its min 25k!!

If you earn only $4K a month, you need to target those HDBs further out and smaller costing $200+K. Don't try to run with the big dogs.

Easier if your partner share the cost.

20% down payment  for 250k is 50k  (12.5k cash, 37.5k CPF)

Equal share among couple  is 25k ( 6.25k cash, 18.75k CPF)
say your combine income is 7k (3.5k each) , take home 5600.

If only save 1.5k each month for housing you need  8.3 months to reach 12.5k cash

combined CPF will be 2520 ( 1400 + 1120), you need  14.88 monts to reach 37.5k CPF

factor in your bonus, salary increment and other expenses, you need about 1.5 years of saving to purchase a 250k unit (if you can find one).

Yes, seems like impossible now for those who just started in Sg, but if you start saving now then put some cash into some investment like msia prop (that generate rental income of course), when appreciate, refinance to cash out.

Thats one way to get cash.

The one I asked you about in Simei. Supposed to TOP in 2014. Was sold on it when I stepped out of the MRT. Took 3 minutes to walk the 80m from platform to project entrance and 1 minute to cross the road to shopping mall. Figured it was a sure rental or resale.

but then cannot buy any property in malaysia 
dun understand what u trying to say, and what is the connection between the job and the force.

Thanks. Expected the market to sink after Lehman Bros but... Got tired if waiting and paying rental.

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Added on July 13, 2012, 10:31 amHDB... If I could, I would. But I can't.
Simei IS 10 stops from town leh. It's all the way in the East, physically right next to Expo.

i am googling on this 
http://www.mymanhattanresidences.com/
the way they price it from 1.5mil "only", sounded like a small figure like that  

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Added on July 13, 2012, 11:05 amwow the pool is nice 

http://www.h88.com.sg/article/My+Manhattan...view+and+Video/

even the review is good, seriously near to MRT 

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Added on July 13, 2012, 11:23 amjust follow the accountant, they cant be wrong 

my HDB loan interest is 1.43%, SG Inflation rate is higher than that. Even if you have the cash, why will you pay more than the minimum?   

you are better of to use the balance to finance another property or clear some of your loan with much higher interest rate.

dont mix up down payment and loan interest rate.

Mine was total 10% down payment (before 2010) and there was many loan package available.

Last time have more retriction on loan, now many bank can offer HDB loan package to you.

Last week??? wait la dude. My first application took me 2 weeks. My friends took 6 months, until I submitted hers to my Partner to cut queue.

Sorry ya, only experienced (4 years) applicant can jump queue. Junior level need to follow the normal route. But I think the new recruits should be in already. For KPMG Sg, I think the recruitment starts in March - June, orientation in July.

haihzz... 2nd week. no news..

why no news?? Hire me leh..

Why nowadays room with full furnish does not include bed ?seriously no idea why would this happen...

sad sia....i look thru all the available link on 1st page of the thread, sms them, all say furnish but without bed. sad...

left only one choice that is go to mrt notice board to see got any adv there.

Dear All,

1) Is agent fees inclusive of GST when quoted?

2) Stamp duty is based on valuation report or transacted price (Valuation + COV) for HDB

For HDB i think both have to pay (if both engage separate agent). But for private property usually agent gets from seller's agent.