♥ Monday, May 04, 2009It'd be good to compile some housing infomation here i guess. Easy for referencing too.Disclaimer: Information researched is possibly subjective and may contain inaccuracy. - Singapore is known to have the most expensive public housing in world. Public housing here is largely known as "HDB flats". People in other countries often mistake singapore's public housing being meant for the lower income. This is because developed places like England and Australia have public housing at much much lower cost per square metre, after the currency conversion. About 85% of Singaporeans live in HDB flats. A comment at Y!Answers mentioned if HDB are for the poor, would the poor be able to afford $150k for a small HDB unit? - To purchase a 2-room flat, the buyer's gross monthly household income cannot exceed $2k. For a 3-room flat, it cannot exceed $3k. For a 4-room flat, it cannot exceed $8k. Generally, a diploma yields a starting salary of $1.5-2k per month. (Yes, it's that pathetic.) - Were thinking of a 3-room flat to save money (so that we need not wait till 9 years to earn sufficient downpayment to get the house and be ready to tie the knot) and since we do not need a big house anyway. However, we might not be qualified for the 3-room flat, if our total income exceeds $3k. But on the other hand, i scrutinized the rules and regulations on this. Suddenly realized the text "buyer's gross monthly household income". Does it mean a single person's salary? Or the whole family? I am sure confused. But this is crucial, very. - To cut cost (hence to save time/years). The longer it's dragged, the higher the chances of having mishaps along the way lols byebye. Housing prices are generally affected by two main factors: location and size. In tiny singapore, land = money. Punggol currently is, and will be spanning for a decade i foresee, a heavily planned site for tons of new flats. They are trying to encourage more people to live there by constructing some fanciful recreational park stuffs there, and opening the lrt gradually. Punggol is comparatively cheap, but location sucks. -_- Too far out, not very accessible to many places. Bt panjang has some lands still. But we both don't like, though it's near to the parents. It's rather inconvenient i find. I dislike the lrt, cus it's jerky and very freaking slowww. And btw an extra piece of irrelevant information: an eligible person can only buy up to a maximum of 2 housing units from HDB. - For new flats (known as direct purchase from HDB), there will be not grants, except for AHG (additional cpf housing grant). According to the table in the link, we can possibly get an estimated cpf grant of $25-30k. For old flats (known as resale flats), there are a number of grants as shown here. But i have a question. It says that they will provide a subsidy of the amount. BUT i am confused again. Does it mean free money from the gvn'ment OR does it simply means that we make use of our own cpf money to pay? I can't help feeling that they mean the latter. =c I actually don't mind old or new houses (since we can always paint the walls and renovate it), but lg prefers new unit though. - A twenty-something-year housing installment scheme seems quite long. But no choice. Six digits to repay zz. Everything needs lot of money next time. Btw the executive flat looks good. I like the allocation of the study and dining areas, and there's a balcony too. But i'm concerned about the kitchen toilet that seems too far away from the two other minor bedrooms. Just saying it looks nice, not that i want it, ha ha. And the 5-room flat looks damn freaking huge, there's even a relaxation corner wth. So big space like wasted also though lols. This is another executive flat which looks really amazing with all the weird wall shapes (check out the study room and master bedroom). A must-see. It's super not typical lo. - Lols think too much liao, even got discuss which kinds of furniture we want. -_- I want the kitchen set to be L-shaped. And we both want no walls between the kitchen and living room. Demolish the confining walls. Lg wants to demolish storeroom wall to enlarge the kitchen (if available and possible). Agreed to have hanging lamps instead of those flat ceiling lamps. Bed frame without confining structures (open at the sides) at most only a headboard. Keeping a cat is possible and would be within estimated household income. (He likes young kitten, but i think an older teenage cat would be easier to manage.) Lg wants a big tv, but i don't think we should be wasting the money ha ha. Need a study corner/room for two. No leather sofa. Lg wants a L-shaped sofa long enough for him to lie and watch tv. Etc etc etc etc etc. LOLS~ A bit far to think actually. But happy mah. Household expenditure also planned already, hence explaining the presence of nine years zzz. But i think (and hope) can be faster leh. Leh leh. - Jialat, like i said, we have the same bad habits. But i'm sort of more pessimistic, lg is very optimistic. Both very stubborn, but most of the time he wins. Sleep a lot at inappropriate times, but often awake in the wee hours. I think we can be considered quite independent, preferring to roam alone. I can like cook two types of dishes: really simple dishes and fanciful experimental dishes. Really simple dishes include instant noodles with egg, and stir-fry veggie and fish. Fanciful experimental dishes include instant noodles with apple-soupbase and mushrooms with whatever i can find in the fridge, and linguine pasta mixed with cream sauce and weird/random ingredients dug from fridge. (Btw that apple-soupbase was really interesting leh, the soup tasted pleasantly sweet. =D A proud self-creation.) I will pick up more solid cookery skills next time don't worry, since we both prefer homecooked food. 1:36 am
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我爱沈先生，since 15JAN07。 • KIM- • 05july1990 • twenty • bedok north secondary • nanyang academy of fine arts • muscle defect (dimple) Disenchanted Words • The secret to creativity is knowing how to hide your sources. • Destiny is a name often given in retrospect to choices that had dramatic consequences. Long Long Ago• April 2007• May 2007 • June 2007 • July 2007 • August 2007 • September 2007 • October 2007 • November 2007 • December 2007 • January 2008 • February 2008 • March 2008 • April 2008 • May 2008 • June 2008 • July 2008 • August 2008 • September 2008 • October 2008 • November 2008 • December 2008 • January 2009 • February 2009 • March 2009 • April 2009 • May 2009 • June 2009 • July 2009 • August 2009 • September 2009 • October 2009 • November 2009 • December 2009 • May 2010 • June 2010 • July 2010 • September 2010 • December 2010 • May 2011 • June 2011 • July 2011 • August 2011 • December 2011 • January 2012 • February 2012 CrossroadAll links below open in a new window/tab.Jukeboxsilverbluez @ hotmail.com Copyright © 2008-2010. All rights reserved. Best viewed in Internet Explorer 7 and screen resolution of 1280 by 720, although Mozilla Firefox 3 will also do (with extremely small font size for headings). |