October 2019

First Question for Property Investment: How Big Is Your Purse?

A few friends of mine recently approached me to buy their 2nd property for investment. Today, let’s talk about the 1st question you should answer for property investment: How big is your purse? Before starting to look for property unit, you must know how much money you can put on the table, especially, how much bank loan you are eligible to get from a local bank. Otherwise, if you just

贷款上限85万新币,还有35万现金,能买多少钱的房子?

怎么还用问?当然能买 120 万新币的房子了。不对。在新加坡买房,由于有贷款跟房价比例 (LTV) 的限制,虽然银行根据你的还贷能力算出的贷款上限 (TDSR) 是 85 万新币,但实际买房时不一定能贷给你那么多;另外,由于买房要交普通印花税 (STD) 和附加印花税 (ABSD),这些费用必须用现金或公积金交,所以你的 35万 现金不是都用来买房子的。那么,究竟能买多少价钱的房子呢?让我们来算一算吧。

买房第一步:摸清钱包有多大

身边有许多朋友,打算买多一套房子作为长期投资,这里就跟这些朋友谈谈投资买房的第一步:摸清钱包有多大。 买房之前,一定要先知道自己能拿出多少钱,尤其是能拿到多少银行贷款。否则,万一到签约时资金还没到位,之前所付的押金就会被没收,会心痛哦,而且之前所付出的时间全部白费了。

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