野火购屋记 （31-10-2016 拜拜了，野火屋！）

AhSengSg

回复  AhSengSg
说到靠近MRT和不靠近的价钱，隔一条Highway就差很多了。
以前我住ClementiWest时到WestCoastDrive看过屋子，大牌50x号的，要走去ClementiMRT要用行人天桥过AYE，过了天桥是大牌42x，价钱差整10万； Ubi大牌33x/34x，要走去EunosMRT要用行人天桥过PIE，过来天桥是大牌1x/2x，价钱差7，8万。野火 发表于 13-8-2011 06:21 PM

１。很靠近 mrt stn，不重要的事，也可能会出门
２。隔一条街，不重要的事，就懒得出门
３。要搭 bus 去地铁战，重要的事，也可能懒得出门




以后小新的发展：
１。会有至少８０－１００个 mrt stns，mrt 可以去到 jb，小新人民每天出门都带 passport，不想去 orchard，就去 jb。。。
２。coe 继续升高，１００多个 erp ，plus road tax + car insurance + parking + saman 。。小新人民将更多不驾车


趁这次的危机，还没买屋子的人，应该找靠近 mrt stn 的，越靠近越好。。。esp less than 5 min walk

AhSengSg

我们的2010年的第一天的白天就在修理了这批蟑螂后，把地上用水大洗特洗后结束，墙壁留到第二天才洗了。
接下来，接水管，拉电线，为SeweragePipe油漆，要做的还多的很野火 发表于 8-9-2009 03:59 PM

    如果你没有拆橱，就找不到蟑螂大本营？

AhSengSg

SINGAPORE: The government will raise the qualifying income ceilings of households for HDB's Build-To-Order (BTO) flats and Executive Condos (EC), said Prime Minister Lee Hsien Loong in his National Day Rally speech on Sunday evening.

The qualifying income ceilings of households for BTO flats will be increased from the current S$8,000 to S$10,000, and for ECs from the current S$10,000 to S$12,000.

Prime Minister Lee Hsien Loong made the announcements in his National Day Rally speech on Sunday evening.

He said HDB will also build another 25,000 BTO flats next year to meet demand and keep prices of new flats stable and affordable.

The government will also be adding 7,000 rental units over the next two years and postponing demolition of some SERS blocks to be used as temporary rental units.

Mr Lee said the moves will ease the waiting time for needy Singaporeans who require rental flats.

The prime minister also made the commitment to keep housing available and affordable for Singaporeans.

- CNA/al

野火

回复 861# AhSengSg


    说到ERP Gantry，我常常用KPE，它的每一个Entrance/Exit都有Gantry，只是还没启用
现在LTA已经投资在利用卫星来来征收过路费的研究了，将来车一驾出停车场马上付钱

p/s：没有拆厨，绝对没想到它的后面竟然有那么多的蟑螂和粪便，真恶心:@。
还有一件事还没在这里提过，衣橱里面一般上都有抽屉对吗？我的衣橱里有两个抽屉，平时来开抽屉是不会看到它的底下和背后的空间的，有一天把抽屉整个拉出来，发现那些空间竟然有好多干了的小小粒的黑色东西，不像蟑螂粪便，和老婆讨论了后觉得应该是屋里长出现的小壁虎在里面做大本营了，结果衣橱的抽屉也被我丢了:@

AhSengSg

It's something expected as Minister for National Development (Mr Mah then) had mentioned in the run-up to General Elections in May 2011 that the income ceiling for HDB flats would be increased.

The changes announced by Prime Minister Lee during National Day Rally on Sunday night 14 Aug 2011 are as follows:

1. Income ceiling for purchase of new HDB flats and for HDB Resale flats raised to S$10,000 from S$8,000 previously.

2. Income ceiling for buying ECs (Executive Condos) raised to S$12,000 from S$10,000.

3. Income Ceiling for Singles raised from S$3,000 to S$5,000 to qualify for HDB Housing Grant. And Housing grant to be increased from S$11,000 to S$15,000.

Those earning up to S$10,000 will get S$30,000 CPF Housing Grant when buying NEW EC. Those who earn between S$10,000 to S$11,000 would get S$20,000, while those earning between S$10,000 to S$12,000 would get S$10,0000 instead. This is still better than before, where anyone earning more than S$10,000 cannot buy New ECs and will NOT get any Housing Grant at all.

What are the possible impacts?
1. demand for DBSS (Design, Build and Sell Scheme) flats might drop. DBSS flats is previously for those whose income exceed S$8,000 but below S$10,000. There is NO longer this group of sandwiched class in the new ruling.

People earning S$8,000 to S$10,000 can now either buy New HDB flats or buy Resale HDB flats and be entitled to Housing Grant.


2. Demand for 3 room Resale HDB flat to go up. Many more singles will be given the Housing grant to buy a Resale flat and many of them, are likely to rush out to buy 3 room Resale HDB flats.

3. Some of the demand for Mass Market condos, those priced between S$1,000 psf to S$1,300 psf will drop, as part of the demand will NOT be shifted to ECs and HDB Resale Flats.

4. With more Higher income people (those earning above S$8,000 to S$10,000) qualifying to buy HDB Resale flats, this might push up demand for HDB Resale flats and there might be upward pressure on COVs (Cash Over Valuation).

All in all, I do NOT see possibility of Singapore property prices falling much in the next 6 to 12 months becos within this period we still have Tight supply situation. Most of the 25,000 NEW HDB flats announced by Minister Khaw to be built in year 2011 would probably only be completed in year 2013 earliest.

Next year, Minister Khaw again promised to build another 25,000 NEW HDB flats. So I worry that there might be an over-supply of New HDB flats in year 2013 and year 2014. If it coincides with a slowdown in the Singapore economy as year 2013 might be in the depth of a Global Financial Crisis, that might hit the world in the next 3 to 10 months.

Year 2013 and year 2014 will also see over 30,000 units of new condos being completed, so there might be over-supply situation in condos during the same time period as well.
_________________
Cheers!

Dennis Ng - When You Master Your Finances, You Master Your Destiny

野火

4. With more Higher income people (those earning above S$8,000 to S$10,000) qualifying to buy HDB Resale flats, this might push up demand for HDB Resale flats and there might be upward pressure on COVs (Cash Over Valuation).
AhSengSg 发表于 16-8-2011 11:47 AM

盛兄，1，2，3都是相当明显的。可是4我有一点怀疑。

之前8-10k的人可以分成：
（1）没够现金，买不起Resale/EC/Condo
（2）买Resale （虽然买EC有30k的Grant，买Resale没有）
（3）买EC（拿30k的Grant）
（4）买Condo （虽然买EC有30k的Grant）

新条例出现后，
（1）的人，因为Grant不能拿来给COV，还是买不起Resale，对Resale没影响。
（2）的人，一部分还是会买Resale，可是因为Grant不能拿来给COV，所以对COV的影响有限。可是应该也会有一部分会因为和HDB买BTO比Resale便宜80-100k，而放弃Resale转买BTO。
（3）的人，一部分会因为买Resale也能拿Grant，而转去买Resale。
（4）的人，不会去买Resale，对Resale没影响。

不知道这样分类有问题吗？

净影响到底有多少，我相信只要有Buyer/Applicants’ Profile的KBW知道
不过8k的顶限已经10多年没提高过，我支持提高的

野火

Next year, Minister Khaw again promised to build another 25,000 NEW HDB flats. So I worry that there might be an over-supply of New HDB flats in year 2013 and year 2014.
AhSengSg 发表于 16-8-2011 11:47 AM

    不太明白为何会说2013-14会有Oversupply，BTO的买主，95%是没有其他屋子的FirstTimer，除非他们那时都愿意亏屋价的5%和已付出的StampDuty/LegalFee&etc放弃唯一可以屋子，不然Oversupply的情况不会出现。
不过说回来，Oversupply本来就是一个概念的词，如果HDB有一间屋子卖不出就说是Oversupply的话，那也没办法
还有如果要说到时Condo大平卖，大家都去买Condo，不要已建好的BTO的话，是有这个可能，可是避免这发生的方法是不让Condo大拍卖，而不是不要建BTO。

tckiat_5700

对于BTO, 我觉得balance flat的价钱应该降低, 而且也不该拖久来卖. 卖水果的小贩也懂得卖不完的箩底橙得赶快便宜卖. 只有HDB是反方向的. 其实HDB应该得深入了解BTO会卖不完的状况而去改善它.
个人想的方法有两个:

1. Balance of flat要以快速便宜卖出价来吸引买家, 而不是等到几年后逼人以贵价买下.
2. 设计方面的改善, 底楼层的房子要有多点features, 或把底楼房子建大一些.

至于野火大大楼上所说的, 我也是觉得对短期影响没多大改善.

无敌小猪猪

对于小新政府放宽 BTO ceiling from 8k - 10k on HDB & 10k to 12k for EC. 希望明年在 resale HDB 方面价钱能避免夸张的波动. COV 方面最好能下跌 ....
小弟觉得, 这个新政策能让更多人欲尝试拿新屋, 酱我的竞争者就相对的减少. 但对于楼上一些大大,可能就不是个好事....
希望明年能有个属于小弟的猪僚...

野火

回复 868# tckiat_5700

那天问一个住Condo的朋友有没有想过卖掉Condo去买间HDB来住，他说一直都有再想。
所以我觉得这一轮的COV涨潮确实有可能是有人卖了Condo后来买HDB的。

这一两年的BTO，几乎都是卖的光光的，连低楼的也没剩多少。
有很多人不要低楼，也有很多人不介意的。
HDB如此，Condo也一样。

现在的BalanceFlat是好久才推出一次的了，除了越卖越贵之外，没有剩下多少间可以卖也是问题，过去的一两次的SBF都是很严重的Oversubscribe的。

9月的SBF会有2500间，我估计有一半以上会是SERS的屋子，BTO剩下的底楼不会太多。

AhSengSg

回复 867# 野火


    我对 hdb 一直换来换去的 rules 也很 blur 一下。。。等我有时间再仔细看。。。

AhSengSg

野火，你之前说的那间 sengkang condo，昨天 launch了。。。很多人一下。。
虽然经济开始衰退，股市跌不停，但要买屋子的人还是那么多。。

AhSengSg

盛兄，1，2，3都是相当明显的。可是4我有一点怀疑。

之前8-10k的人可以分成：
（1）没够现金，买 ...
野火 发表于 16-8-2011 12:46 PM

    那是作者的个人看法。。。

AhSengSg

不太明白为何会说2013-14会有Oversupply，BTO的买主，95%是没有其他屋子的FirstTimer，除非他们那 ...
野火 发表于 16-8-2011 12:57 PM

    现在拼命建 bto，也许是促成以后 bto oversupply 的原因。。
好像是有８０％的人订购就会建？？如果那２０％没人买。。

AhSengSg

The Luxurie

http://luxuries.com.sg/

野火

The Luxurie
AhSengSg 发表于 27-8-2011 10:59 AM

两个星期前在Popeyes还是CompassPoint好像有看到有Agent在卖/介绍这个Condo，不过他们都没有理我，因为我样子像穷人（事实也是买不起）

现在拼命建 bto，也许是促成以后 bto oversupply 的原因。。
好像是有８０％的人订购就会建？？ ...
AhSengSg 发表于 27-8-2011 10:29 AM

过去几年的BTO都是卖到没剩几间的
http://www.hdb.gov.sg/fi10/fi10321p.nsf/w/BuyingNewFlatShortlistedApplicants?OpenDocument
看看下个月的SBF会有几间剩下的BTO卖就知道了。
我觉得HDB如果发觉很多BTO有剩的话，他们不会推出太多的。
问题是多少是剩下很多，多少是Oversupply？
Condo/EC有近2万间还没卖出去，Developer也没有担心到不再投标政府要卖的土地啊
Prices of Units Sold in Private Residential Properties
http://www.ura.gov.sg/realEstateWeb/realEstate/pageflow/price/submitSearch.do;jsessionid=hlRVTYlLyVlnGGKB2n8RnQTNTDcWn2d2Xwp7hgXjGjnyKJBKJlbD!-1101366626

Four new condo sites up for tender
http://www.h88.com.sg/article/Four+new+condo+sites+up+for+tender/

AhSengSg

两个星期前在Popeyes还是CompassPoint好像有看到有Agent在卖/介绍这个Condo，不过他们都没有理我，因为 ...
野火 发表于 27-8-2011 11:39 AM

    听 agent 说有１０％ discount - 也许＂证明＂了经济衰退的来临。。

AhSengSg

回复 876# 野火


   agent 也跟我说在小新，有很多 freehold 的 private properties 很便宜。。。这些 freehold properties 在全岛各地，没有 security ，没有 swimming pool，没有 gym ＋ other facilities 。。。它们叫做 apartments，跟 condos 有区别。。。一个 development 10-20 units ，比普通９９-year condo 便宜。。

野火

回复 877# AhSengSg


    盛兄，突然好奇的想知道，CompassHeight和这个新Launch但几年后才会建好的同类型/大小的价钱差别多少？
因为买旧的可以马上住，省下几年的租金，会不会买新旧公寓价钱差不多？

关于Apartment，我有亲戚就是住那样的屋子的，所以我去过好几次。
一个在Balestier一带，已经Enbloc了。
一个在Geylang的，把HDB租出去，租金够拿来租Apartment，因为屋主是老人家，便宜租给他们。
那天听他讲那间Apartment的价钱这几年从500+起到800+了。
盛兄有兴趣买？

jayjng83

有谁知道三房式Home Improvement Programme (HIP) PR 要付多少钱 ？