HDB组屋手续，买卖疑问集合讨论区。

Kleenex

原帖由 臥龍先生 于 4-6-2007 08:06 PM 发表
我今天致電到 hdb 去詢問了, 答案是不可以....

没有关系。把它成为鼓励自己早日成家立室的借口。

Kleenex

原帖由 莱佛士 于 4-6-2007 08:36 PM 发表


lift upgrade 的价钱是不固定的。。

若你那座组屋有很多单位，平均费用自然会比较底
而少单位的组屋，费用就会高咯，
而且也要加其他有的没有的设施，如加多一间小房，更换电线，厕所等的。。
别忘 ...

谢谢总督大人的回答。请问小房，电线等，新加坡人也获得90%津贴吗？还有那些外面的设施（小公园，游乐园），都是附近组屋平分吗？还是市镇理事会负担。好像在考你。

woolala01

原帖由 alice916 于 4-6-2007 05:34 PM 发表
噢要2到3万那么多噢?
因为我记得看到已经unit, 他们刚lift upgrade, 但因为政府还没出信，卖主不能还upgrade 的前，而那时卖主的agent告诉我们说如果我们买的话，明年当收到信是，要准备付12k噢。

我agent的 ...

如果是PR的话,
建议买lift upgrade好的房子,
我的家是门对门的,
lift 只有我和对面的邻居用而已,
空间也变大了很多,

就是要upgrade lift 前屋主才要卖,
因为要付30K-40K,
他选择来买5房,比4房大!

新加坡人只付3K-4K而已,
我现在也不想搬,lift upgrade刚好,
好不容易才挨过那些吵杂的声音

alice916

噢。。因为那lift只是两家用，所以平均一间要30k-40k噢。。
我们上次有看到一间，还没upgrade 的，但因为那间是3间一个楼梯，我们还想可能不会upgrade lift 吧。。因为才3间房子share,而另个单位也是3间share 一个楼梯，如果要upgrade 的话，会做几个lift耶。。那时我还想如果每家12k,那政府不是亏本?
原来势平方的。。
真的要3思

Kleenex

看见一个不错的文章，希望购买者能获得一些有用的Tips

Source : Straits Times
Some tips for the buyer looking for a HDB apartment now
Friday, June 1, 2007

For the past few months, the media has been reporting record breaking en bloc transactions and high property prices.

It seems that everyone is trying to outdo each other in prices.

A discerning buyer will ask: Are the high-priced properties bought up by wealthy foreigners or investors wanting to chase up the market so that they can sell it later at even higher prices?

Are these transaction prices indicative of the overall market?

A discerning buyer should also ask why there is a sudden rush of people changing property, private as well as HDB, at this time.

I’ve personally encountered people paying $100,000 cash above valuation for a five-room HDB apartment which is 20 years old. Word gets around. Now almost every seller in the same district is asking for absurd cash amounts, regardless of the condition of their flat, just because someone sold it at a premium. This is pure greed.

For the buyer looking for a HDB apartment now, I have these to say:

Don’t let kiasuism rule your head and make impulse purchases that are way above market value.

Property valuators have a bird’s-eye view on the valuation of an apartment. Trust their assessments, they are the experts. Don’t pay more than 5 per cent above valuation.

Don’t pay more than you can afford to, or you’ll pay for it for a long time. Interest rates are not as good as before. You can end up paying twice your buying price.

Learn from history - don’t fall into the same trap many did six years ago, when they paid more than half a million dollars for a five-room HDB apartment.

Don’t buy when everybody is buying. If you can wait, hold out.

Know the HDB rules. You have to pay the cash above value, plus 5 per cent cash of the selling price, plus stamp duty and lawyers’ fees.

Finally, no matter how ‘good to move in’ a condition the flats are, there will always be some level of renovation that needs to be done. Toilet bowl replacement is mandatory for me.

Kleenex

Bigger resale flats now in hot demand


Buyers with money from collective sales drive up prices as much as $20k above value

It is becoming a sellers’ market in the public housing sector.

Given the private housing property boom, it was just a matter of time before prices of resale Housing Board flats swung upwards.

The recent spate of private estate collective sales has unleashed a group of cash-rich house hunters, many of whom are opting for high-end resale HDB units. These buyers can afford to pay top dollar.

Meanwhile, rising rentals for HDB units - as much as 35 per cent in the past year - mean fewer owners want to sell their homes, while hard-hit tenants are starting to look for flats to buy.

Those selling their flats expect prices to climb further.

For example, many executive flats - which in recent years have not been popular because of their relatively higher prices - are now selling for about $20,000 above their value, say property agencies.

This was almost unheard of as recently as a year ago.

In one deal handled by Propnex, an 18-year-old executive flat in Hougang changed hands last week for $388,000 - $22,000 above its value.

This factor - a flat’s prevailing valuation - affects the market because the portion of its selling price above its value has to be paid in cash instead of through a buyer’s Central Provident Fund savings or through a home loan.

Also, until recently, the resale market for HDB flats has been relatively sedate compared with that for private property, where long queues have formed for new projects, like during the 1990s boom.

Private property prices rose by 10.2 per cent last year, and 4.6 per cent from January to March.

Meanwhile, prices of resale HDB flats only inched up 1.8 per cent last year and 1.3 per cent in the first quarter.

The senior vice-president of HSR Group, Mr Donald Yeo, told The Straits Times: ‘It used to be that four people would respond to each HDB property advertised. Now, it is about 12 to 18 people.’

Mr Albert Lu, managing director of C&H Realty, went as far as to say: ‘There is a shortage of HDB flats for sale.’

Immigration officer Muhammad Ridzuan Jaapar sold his three-room flat in Toa Payoh about two months ago for $205,000 - $15,000 above its value - within a day.

He said: ‘My wife’s parents took about six months to sell their executive flat last year. I was surprised I could sell my flat in one day.’

Another flat owner, Mr Sim Hock Seng, 50, sold his four-room flat in Marine Parade for $355,000 - $50,000 above its value - in April. The hawker bought an executive maisonette in Bedok Reservoir Road for $365,000.

Meanwhile, the heat of the competition has got to agents, with some refusing to ‘co-broke’, or deal with other agents, because it is now easier to sell flats on their own.

C&H Realty’s Mr Lu said: ‘For agents serving home buyers, it is difficult now to find a flat to buy. When it is easy to sell a flat, the (sellers’) agents do not want to co-broke.’

Under co-broking, if the seller and buyer are represented by different property agents, they pay commissions to their own agents.

For the resale of an HDB flat, a seller typically pays his agent a 2 per cent fee, while a buyer typically pays 1 per cent.

If a housing agent represents both the buyer and seller, he gets to collect commissions from both parties.

Realtors predict that prices will continue to rise for the year, but they caution that not all flats will generate equally keen interest.

While the boom is felt for flats closest to the city centre - like those near Tiong Bahru, Redhill and Queenstown MRT stations, for example - the prices of resale flats in outlying areas or newer towns such as Punggol or Sengkang will continue to face pressure because the HDB is building new flats there.

Zayola

Nowaday...the HDB price have "skyrocketed" to very dangerous in contrast to 1 year ago especially in Pasir Ris. This is even obvious in the area around blk 700+ where there are more and more PR want 2 buy buy at these areas (may be near 2 IKEA? or their factory like SSMC, UMC, Wacker & HNS)

The valuation for the low floor hovers around $250k but almost all the owners asking for at least $25k. Some even asking as much as $50k. :@

Currently block 751, 10th floor value at $260K but asking at least $290k $and block 759, 5th floor asking for around $300k ( cash is around $50k)

Kleenex

原帖由 Zayola 于 7-6-2007 12:41 PM 发表
Nowaday...the HDB price have "skyrocketed" to very dangerous in contrast to 1 year ago especially in Pasir Ris. This is even obvious in the area around blk 700+ where there are more and ...

有点类似新闻的报道。一个市场从买家变成卖家，卖家肯定会要求高价。只有那些不能等的买家高价买，必须短期出售的卖家才合理价卖。有些交易记录，还没有卖的将会以高价作为目标而高价出售。

alice916

我老公的同事，以前是帮他父亲做装修的。
他不建议我们买印度人的家耶。。以他的经验，通常印度人的家的设计方式，华人都不能接受，都会话很多钱打掉。

就是我们有看中一间印度人的家，很奇怪的是他们的客厅墙壁都放砖，而他同事说需要花$2k来打掉墙壁的砖和refill.$1k做不到。。

katsudon

原帖由 alice916 于 7-6-2007 06:43 PM 发表
我老公的同事，以前是帮他父亲做装修的。
他不建议我们买印度人的家耶。。以他的经验，通常印度人的家的设计方式，华人都不能接受，都会话很多钱打掉。

就是我们有看中一间印度人的家，很奇怪的是他们的客厅 ...

我以前看房子的时候也看过印裔的房子，他们会做很特别的设计用放神像和拜拜的。。。还看过华人用来做庙堂的住家，很阴森的

花沙尼

我看过很恶劣的组屋住家，华人、印度人的都有，有些在门口就不想踏进去了，不过为了礼貌就硬着头皮进去看，有的里面发出恶臭，有的根本没有任何装修，厨房恐怖无比的凌乱，还用火炭烧菜煮水的，有的要穿鞋进去，因为屋里比走廊更脏。

很难想象，富足的新加坡，还有那么多如此穷困的家庭。

Kleenex

原帖由 花沙尼 于 7-6-2007 08:29 PM 发表
我看过很恶劣的组屋住家，华人、印度人的都有，有些在门口就不想踏进去了，不过为了礼貌就硬着头皮进去看，有的里面发出恶臭，有的根本没有任何装修，厨房恐怖无比的凌乱，还用火炭烧菜煮水的，有的要穿鞋进去， ...

我也看过几间类似的，华人和马来人都有。有个还是五年的公寓式五房华人单位，里面破烂的情况还比那些十多年组屋还不如。
最难忘的就是一间马来屋子，里面并状况还好，只是灯光之下很阴森和很臭一种味道。

alice916

原帖由 katsudon 于 7-6-2007 08:04 PM 发表

我以前看房子的时候也看过印裔的房子，他们会做很特别的设计用放神像和拜拜的。。。还看过华人用来做庙堂的住家，很阴森的

噢你提醒了我。。
我记得有看过一间印度人的家，他们的store 房里面还要‘装修’成他们放神像来拜拜的。。

原帖由 花沙尼  于 7-6-2007 08:29 PM 发表
我看过很恶劣的组屋住家，华人、印度人的都有，有些在门口就不想踏进去了，不过为了礼貌就硬着头皮进去看，有的里面发出恶臭，有的根本没有任何装修，厨房恐怖无比的凌乱，还用火炭烧菜煮水的，有的要穿鞋进去，因为屋里比走廊更脏。

很难想象，富足的新加坡，还有那么多如此穷困的家庭。

原帖由 kleenex  于 7-6-2007 11:39PM 发表
我也看过几间类似的，华人和马来人都有。有个还是五年的公寓式五房华人单位，里面破烂的情况还比那些十多年组屋还不如。
最难忘的就是一间马来屋子，里面并状况还好，只是灯光之下很阴森和很臭一种味道。

特别是印度人的家，有很重的味道。
可能我习惯了，因为我公司同事多数是印度人。。以前同事还常常在公司开印度歌 ，我们听了差不多有2年多。
我老公和我agent很佩服我，因为那时我们去看印度人的家时，他一开主人房的时候，那味道立刻冲出来，我老公和我agen 臭到立刻不敢进去，但我很自然就进去看主人房的toilet等。。我都不记得有很重的味道，老实说。。我习惯了。
而我老公形容那时他真的想呕


[ 本帖最后由 alice916 于 8-6-2007 10:15 AM 编辑 ]

Kleenex

原帖由 alice916 于 8-6-2007 10:12 AM 发表


噢你提醒了我。。
我记得有看过一间印度人的家，他们的store 房里面还要‘装修’成他们放神像来拜拜的。。

特别是印度人的家，有很重的味道。
可能我习惯了，因为我公司同事多数是印度人。。以 ...

一般上印度人把神放在房间里面的，我的老家印度邻居这样子告诉过我。买了印度屋子也不用担心，只要经过油漆的粉刷和洗刷，味道很快就消失了。

我在某装修论坛看过，一个破烂的家从新整容，果然变成焕然一新。我也发现许多本地人不在乎HDB的年份和外观，他们都愿意买靠近市区的旧HDB，然后花一笔钱来装修。而我，比较注重整体。改天真的要卖，不懂得可以卖得出吗。

Kleenex

Alice & Yenfong,

最近你又看了几间？有收获吗？市场价格如何？现在谣言满天飞，有人说会继续涨，你也说估价会下滑。今天我印度同事打算买三房，问我最近的市场如何，我也不知道如何说。

alice916

因為我們都focus pasir ris而已。。而且pasir ris 很少3房式耶。。
我相信3房式不會要求太高的現金吧。。(我猜啦)因為多数买家要4到5房，3放的买者好像不多吧..?
你同事要买那个地区的?
我朋友的朋友几个月在amk买3房式，他用到的现金30k(包括贷款的现金噢)

我可以说的是，平均卖着都要求20k现金。(4 rooms type).
目前还没看到最近的估价，不知有没有掉到。

Kleenex

原帖由 alice916 于 8-6-2007 11:52 AM 发表
因為我們都focus pasir ris而已。。而且pasir ris 很少3房式耶。。
我相信3房式不會要求太高的現金吧。。(我猜啦)因為多数买家要4到5房，3放的买者好像不多吧..?
你同事要买那个地区的?
我朋友的朋友几个月在 ...

我同事打算买Bukit batok那一带，那边的三房交易好像很多，每个月都有四五十个交易。看起来不会难找，加上价格也很便宜，多数在130-180K.

yenfong

原帖由 Kleenex 于 8-6-2007 10:59 AM 发表
Alice & Yenfong,

最近你又看了几间？有收获吗？市场价格如何？现在谣言满天飞，有人说会继续涨，你也说估价会下滑。今天我印度同事打算买三房，问我最近的市场如何，我也不知道如何说。

我连续3个星期没看到屋子~ 因为那里的屋主在等价格涨,暂时不登在报纸卖,在等HDB website反映更高的价格:
http://www5.hdb.gov.sg/bb33/ispm051p.nsf/Search

屋主也是精明

我听到消息说屋子会在年尾下跌,不知真假~

我现在只好忍耐~ 现在是卖主的天下~

[ 本帖最后由 yenfong 于 8-6-2007 02:00 PM 编辑 ]

Kleenex

原帖由 yenfong 于 8-6-2007 01:59 PM 发表


我连续3个星期没看到屋子~ 因为那里的屋主在等价格涨,暂时不登在报纸卖,在等HDB website反映更高的价格:
http://www5.hdb.gov.sg/bb33/ispm051p.nsf/Search

屋主也是精明

我听到消息说屋子会在年尾下 ...

我觉得有可能，因为近来的经济泡沫很大。说不定HDB为了提高交易数目，而采取降低估价。难说，觉得不合理，暂时租屋子也好。

yenfong

原帖由 Kleenex 于 8-6-2007 02:15 PM 发表


我觉得有可能，因为近来的经济泡沫很大。说不定HDB为了提高交易数目，而采取降低估价。难说，觉得不合理，暂时租屋子也好。

我应该边找边暂时租屋子~ 还好房租不是很贵