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HDB


http://wiki.indo-sing.org/Beli_rumah

Resale HDB
Check here for statistics (price includes COV).
http://www2.nationproperty.com.sg/npp2/PL_HDB.aspx

http://www.libinuko.com/tag/hdb/
Loans
http://www.smartloans.sg/
www.housingloansg.com
Check for eligibility
http://services2.hdb.gov.sg/webapp/BB29ETHN/BB29STREET

data yang diminta buat housing loan:
1. fotokopi IC
2. Payslip 3 months back ato latest notice of statement
3. CPF contribution, 12 months back
4. CPF transaction, 12 months back

Eligibility buat dapet housing loan diliat dari besarnya loan dan dibandingin sama monthly household income kita, umur kita, lamanya pinjaman, umur bangunan (untuk private).

setau saya, dari besarnya household income kita, bank punya rumus itung2an sendiri nentuin berapa jumlah maksimal loan yang bs kita ambil and maksimal monthly payment yang bisa kita bayar dengan interest rate yang diambil. klo ga salah monthly paymentnya nanti besarnya ga bisa lebih dari (kira2) 30% household income kita.
lebih baik, kita nanya ke bank dulu, maksimal jumlah loan yang bs kita ambil, sebelum kita liat2 property.

klo masalah tabungan, lebih berpengaruh ke masalah kemampuan bayar DP20%. statement of account jg gak pernah diminta. klo kita udah berani ambil housing loan yang 80% artinya kita juga udah siap buat bayar DP 20%.


Kali beli hdb yg masi entitle buat 80% bank loan, cash yg di perlukan sebagai berikut:

Deposit 5% from valuation price (cash)
Deposit 15% from valuation price (cash/ cpf)
Cov (cash) - cash over valuation
Agent fee 1% + gst
Lawyer fee +- 2500
stamp fee (3% x hdb price - 5400)
Stamp morgage fee 0.4% from loan granted, max $500
valuation fee $180.50
Hdb admin fee $80

Kira2 ini fee yg mesti kamu bayar buat beli hdb.  

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