well...im already married.......at least i'm getting better security(walking out at night not an issue...but can you honestly say that in malaysia?), robbery in broad day light, thief....etc etc
my spouse already converted to SGrean

This post has been edited by tailtwist: Aug 26 2017, 07:40 AM

i can forsee in the future malaysia will be exporting maids..just like vietnam/indon....unless the gov/political landscape changes......as a Chinese/Indian/Mix or etc etc...considered "2nd class citizen" in Malaysia....you know what I mean..I don't really wanna go into details.

It's an obvious brain drain...and now with cut of education sponsorship...

This post has been edited by tailtwist: Aug 26 2017, 01:22 PM

got bus arrival timing apps........u can download it n check the bus arrival timings....

My spouse back then was able to open up a POSB savings account using her MY blue NRIC...the bank didn't accept the in-principle approval letter provided by MOM
(with the FIN number stated on the letter).

Also you will be subjected to the Bank's exchange rate for that day....normally bank exchanges rates are not good

not sure about your definition...but for me SGD800(exclude rental) was more than enough......as a single

have you tried with DBS/POSB/UOB?
Tanjong Pagar aka CBD.......if you can find a room to rent with direct buses would be better......redhill/tiong bahru/kallang/bugis

which part of Malaysia? Sabah/Sarawak? Peninsular?
If Peninsular u can still try hitting the roads(bus/train)
If Sabah/Sarawak u dont really have a choice do you?

FYI...alot of them will try to buy/book flight tickets 1 year in advance...eg...after 2018 CNY...they will try to secure for 2019 CNY

how about u fly from Senai? but u need to cross into JB lor

LTA's website on Foreign Vechicles in SG

or this website
https://www.lta.gov.sg/content/ltaweb/en/ro...otorcycles.html

daily basis........per year.....

well...if you and your spouse can look past the current political government and its policies(education/opportunity/equality)....then by all means moving back to Malaysia make sense....

no wonder everything is more costly for you..cause cannot get local rates for your baby(education/healthcare/daycare etc etc). Then again you both can still afford them easily.

buy a car in malaysia or singapore?

You can easily convert to SG driving license with your MY driving license, just sit through the Basic Theory Test(BTT) computer based and pass, then pay a small fee to convert. But you will need a Competent Driving License(CDL) extract letter from JPJ Malaysia.

You cant drive a malaysia registered vehicle in SG if you're a resident here(EP/S-Pass/having a local SG residential address)

Refer below
LTA

WEST MALAYSIAN REGISTERED VEHICLES, CARS & MOTORCYCLES
WHO IS ALLOWED TO USE AND KEEP A FOREIGN-REGISTERED VEHICLE?
You are not allowed to use or keep any foreign-registered vehicles in Singapore if you are a:

Singapore Citizen
Singapore Permanent Resident (PR)
Resident of Singapore
Long Term Visit Pass Holder or Dependant Pass Holder
Work Pass Holder who is also a resident of Singapore
Student Pass Holder
Training Employment Pass or Work Holiday Pass

However, any person who holds a Work Pass issued by Ministry of Manpower, who is also not a resident of Singapore, may drive a foreign-registered vehicle in Singapore only if ALL these conditions are met:

He is the registered owner of the vehicle.
He resides outside Singapore.
He has a valid insurance certificate and road tax to use the vehicle on Singapore roads.
The vehicle is kept or used outside Singapore for a total period of 6 hours or more every day.
The vehicle has an Autopass Card to validate its entry/ exit at Woodlands and Tuas Checkpoints and to pay for VEP/ toll charges.

it all depends...if you're visiting/tourist...you are allowed to drive into SG with your MY car & MY license....but for other purposes...you have to understand carefully...

note than once u move over to SG....you need to convert to SG driving license( grace period up to 1 year to convert IIANM) and you CANNOT use a MY registered vehicle or any foreign registered vehicle for that matter in SG

This post has been edited by tailtwist: Sep 19 2017, 04:31 PM

1) From Singapore/HDB perspective...they require you to sign and acknowledge that you don't any overseas properties in whatever country.

2) Are you talking about brand new or resale? IF brand new HDB...either yourself or your spouse must be a singaporean...then only eligible to apply for those BTO/SBF, BTO/SBF apply online when HDB have those 'sales launches'.
BTO Sales Launches For example Nov 2017 BTO sales launches. It will be open for applications in Nov 2017

Otherwise you have to go resale(eg BOTH husband & wife are Singapore PR). Resale wise you can get it off from anywhere in the market, ads...websites...thru agents etc etc


3) Depends on the selling price. Mind you HDB resale units are more expensive compared to brand new from HDB. Rules requires you to have 20% of the amount in cash(5% cold hard cash min + 15% from both your CPF normal account)...then balance of 80% will be a loan. This is for HDB resale with a bank loan.

If you take a HDB loan, it can go up to 90% loan...meaning 5% cash & 5 % CPF. Again either side must be a singaporean to be eiligible for a HDB loan.

You would also need to take in account the fees/duties. eg Additional Buyer Stamp duties(resale units n for being Singapore PRs), stamp duties, lawyer fees...etc etc. These must be paid in cash(either cold hard cash or deducted from CPF)

http://www.hdb.gov.sg/cs/infoweb/residenti.../costs-and-fees
http://www.hdb.gov.sg/cs/infoweb/residenti.../costs-and-fees

4) Not sure about this portion

Please don't expect to be spoon fed...do yourself a favor & research online.....

This post has been edited by tailtwist: Oct 9 2017, 06:28 PM

if both sides are PR...please note that you are not allowed to sublet the ENTIRE hdb flat. Yes but REP nowadays can only renew for 5 years...no more 10 years option...
Unless he/she returns back to SG before the REP expires....then again SG government/ICA may even reject his REP renewal...since he/she hasnt been contributing to the nation of Singapore(eg via your CPF/IRAS statements). So expired REP......means stucked in SG cause once you get out...and when you return to SG...you will have to fill up the white card......one have to start securing a job to say the least before trying to apply for REP renewal...

This post has been edited by tailtwist: Oct 9 2017, 07:42 PM

There will be a yearly assessment