新加坡🇸🇬最主要的目的就是让新加坡🇸🇬人“居者有其屋”而不是让人们去抄房赚钱！所以就有了一大堆的條例要尊守.

@gmanlee575

28 күн бұрын

Singapore do not need hk disease!!

I give you a good suggestion. Since you a not PR yet, your husband can buy a resale HDB without grant. During this 5 year MOP, you should aquired PR. So staying this resale HDB and applying BTO as a first timer. If you have babies at the time chances to get a good BTO is very high.

@wongkokkiong4847

9 ай бұрын

Hi just like to know for now if buying a resale HDB still need 5 yrs MOP?

@darrenhow1770

9 ай бұрын

Yes

@IT-9

9 ай бұрын

@@wongkokkiong4847 YES, minimum MOP of 5 years even for resale flats

无论你们接下来有什么计划，我祝愿你们心想事成！

Once you ROM (registered your marriage), ask your hubby to sponsor you as a wife for PR. I got it in a very short period of time. From there, apply for BTO. I went through the process before. But since you are not a Citizen nor PR, I can assume you do not have CPF. Very tough for your boyfriend/hubby.

Good morning, you are doing great and I hope good things come to both of you eventually ❤❤❤

To get PR residents is gonna take some time and case by case basis, it’s not definetly they will grant PR immediately after marriage 😅

很好的分析，very good。

You can buy condominium, don’t think of relying on HDB for earning money

Congratulations to your coming wedding!

恭喜哦！

Actually... Fastest way is can ask your Singaporean spuse to apply dependant PR fr u

很细腻。不愧是香港人。你的老公有福了。恭喜你们。

Keep the faith Ah boy n Ah girl, good things will come your way🎉

Uncle James give you some advice... unless you have problem living with your future mother in law... don't rush to get your resale HDB. Just get married 1st... apply PR... wait for the 9mth to a year (took my wife 7mth)... then apply either BTO or Resale with Ah Boy... give it a year or 2 and property market might actually get better... getting a property is heavy burden and its not good to rush into it. And seriously... make full use of every government subsidies that is available... your Ah Boy served his NS like every Singaporean boy... this are the minimum thing this country should give him and both your future children back... we have the responsibility to our Nation... in return Singapore will take care of our benefits... Both of you are still young... don't rush. 🤗

希望可以看到你們的結婚 vlog❤❤❤❤❤🎉🎉🎉🎉🎉

這套影片很好的，拍多點。

Am very happy for you irene. No matter what type of house. Will be a happy home. Happy couple mah!

Anyway no matter whatever your plan is, I wish you all rhe best and good luck. Hope you can be a permant resident soon.

You case is very similar to my wife who is still a Malaysian before we get married. I was over 35-year-old then, and eligible to buy resale flat as single. I bought the resale flat without single grant a year before married, then she applied for PR after we registered in ROM. After 5 year MOP of the resale flat, we applied as married couple for BTO flat and sold the resale flat after getting the BTO flat. If your boy boy not 35-year-old yet, then no choice you have to stay with your in-law first and wait a very long long time to get the BTO flat.

That's great...2 room flexi if ID done correctly can be a great start Live for 5 years and can be very saleable or rental yield

买二手是你现在最好也是为一选择. 但是现在屋价很高，妳又不是PR也就是说没有CPF，单靠AhBoy自己CPF会很吃力，用现金top up不太划算.

其实你不是新加坡公民和PR 你老公只能买两房式的BTO(不过你的老公一定要超过35岁) 或者你们结婚后生了孩子那么小孩自然是新加坡公民然后你们就可以已一家庭去申请任何一种房行的BTO

有钱的话买二手较快，一手的要等五六年。flexi 有最大间450 方尺。

You have been staying with your fiance & his family since you came to SG. Continue to stay on until you got your SPR & new flat. Meanwhile, if you have kids, your MIL can help in babysitting.

You should be able to get your PR soon, IMO. Once, you ROM even faster. But even not, I think you have stayed and worked in Singapore quite a long time, so PR is coming. Better to apply BTO after you get PR.

我们是先申请组屋，结婚后和家人同住，趁机储蓄些钱，三年后拿到房子后就有钱装修房子。

@ct9245

9 ай бұрын

本来就应该这样子，没有太多钱就需要这样子与现实妥协

不可以自动PR，但系有SC sponsor的话成功几率会大好多。

Ok. Its just getting a PR status now is very difficult. Singaporeans privilege first.

Contribution and Commitment make the differrence.

@clementihammock7572

9 ай бұрын

Yes, is home not hotel.

依家買二手HDB要俾COV嗎？

「安心立命」是吾家🏠‼

If you purchase your first 4 room size HDB with a grant, you need not repay the benefits to the govt if you move to a bigger unit within HDB sizes like 5 room, EM or EA. Unless you are downgrading to a smaller flat size. The intention is obvious; to encourage couples to have babies and stay near or with in-law. As you age and children have moved on and out then moving back to a smaller unit for easy house keeping is logical. This will also mean that you have more money back in EPF after returning the same grant to HDB. So far it is profitable upon resales but there is a limit to how far prices can go.

You will receive your PR approval within 6-12 months after your PR application with your married certificate. Chances of successful is 8/10 加油！

@Gracebaidan

9 ай бұрын

Get MP to write letter too.

@ct9245

9 ай бұрын

一步一步来，one step at a time , 新加坡政府是在观察你的诚意

How come 36 sq is small? Can make up extra wall in 2rm flat? Turn to 2 rm and living room ?

there is a scheme by HDB where you and your husband can apply for BTO together with his parents in the same project. the parents have to get 2rm short lease (no bank loan - cash only). what HDB does is to randomly select out the flats (before releasing it to the general public) and let this pool of parents/children choose first. what does this mean? it means SURE CAN GET popular estates. What's the downside? cash only for 2rm so not many people can do it. and also not many old people want to downsize to a smaller flat.

BTO prices have gone up but the grants have not😢😢😢

2 room also has 46sqm

Agree with your bf that the 2 room flexi is more for singles. I find it small even for couples, especially now with WFH at times. If you don’t mind, you can ROM first, stay with in-laws meanwhile then apply for PR. After all you have already lived with them these few years so should be quite comfortable.

@ct9245

9 ай бұрын

They have being staying with the BF ( in law ) house already , so nothing ready changes

@lijinzhou9902

9 ай бұрын

Exactly, both of you already co-habit for 3 yrs, no problem to continue another 3 - 5 yrs. During these period, when you hv baby, your MIL also able to babysit for you

@cs2007new

9 ай бұрын

Yes continue to stay with in laws house cos resale flat is expensive. And foreigner do not have CPF contributions so its disadvantage to their house financing.

@vmemory2918

9 ай бұрын

Just bear in mind, continue to treat your parents' in law well, give allowances for your food and accomodation expenses in the least and don't invite your HK family to visit frequently. DON'T spend your CNY in HK as well. I threw my daughter in law out of my house becos of all above.

结婚后不容易拿PR，因为要防止假结婚，很多案例。

我之前做過．我都好像其他人講一樣、先做SPR再申請BTO 。日後五年過咗、如果SC再申請多一次BㄒO也會當成first timer。(如果政冊策未變）

Resale is better! Bigger sizes available.

我鄰居女兒買咗一間五房式嘅政府組屋，在裕廊西，靠近南大。 她的老公係馬來西亞人冇拿到永久居民証。 所以呢間屋只有一個人嘅名。 等到佢老公拿到永久居民証嘅時候先另做打算。 佢嘅屋好大。

恭喜妳

因为怕有假结婚， 如果有孩子就比较容易

不是啊，我是PR,老公是新加坡人，我们可以申请四房室五方式的BTO都可以的。只是我们抽了两次都没中，所以买二手的了

可以先买，等你拿到PR或者公民以后，grant会补回给你的哦。

先上車，將來轉車就容易，越等越難上車，我以前住香港公屋300尺5個人，又係咁。

if u give birth.yr baby is a sporean and together with dad.they can apply for new bto any nr. of room

There are 2Rm Flexi at 47sqm.

You Can apply fir PR ,just like Madam Karman

二手組屋也很好，或先租房先， 不然，then 赶快起注册结婚啦， 才能有next step 的可能。 （新加坡政府很担心外国人假结婚来骗新国政府的金贴福利）

快点apply PR啦。 同奶奶住住先咯。

想知HDB到99年時政府會點安排呢？換間新俾你？

@Darkraid

8 ай бұрын

The whole block can initiate enbloc. If succeed u will get a sum of money. If no en bloc the block will be returned to govt. Value = 0

請問可否跟你做普通朋友？

Reckon on HDB Building..you have more knowledge...😊😊😊

You mentioned in your video about the Promoxity grant, I like to point out that the monetary benefit only apply when you are looking for resale HDB. For getting BTO near your family, couple will get extra chance to ballot. One thing to note, if you are looking at resale HDB your loan amt eligibility apply to your Ah boy income only, bank or HDB will not take account of your salary as you are not PR or SG citizen if you are going for HDB market. For private condo, then the loan amt can be combined for you and your ah boy when you are legally married.

@xiali7863

9 ай бұрын

For new BTO application, HDB will assess SG citizen applicant’s income, and those eligible will be given the grants ranging from about $15K to $45K

when i marry a pr 27 years ago , I can buy an new EA!!!! You two good luck.

當年某部份「香港人」取笑新加坡無「民主自由」，時移世易，如今這些「香港人」想移民新加坡也高攀不起⋯⋯❤❤

New one is cheaper … why don’t buy new one ?

快D apply first for Singapore PR ! Your case same as my 姐夫 .

小房是给单身带伴过夜是可以的，

Faster go make baby. After pregnancy, with doctors certified, can go see MP and assure the MP that the baby will be Singaporean. This way can apply BTO first, before collecting BTO, hdb will need ur Singaporean husband and Singaporean baby documentation.

@natureadventurist956

9 ай бұрын

Avoid taking risk to having a baby as a way to getting a PR status. I have heard of cases foreigner mommy not being able to become a PR and this brings a lot of inconvenience and pain to the foreigner mommy and family. I think the best is for the foreigner mommy to work harder and earn higher salary as a professional to qualify and become a PR.

@HawkishMerlion1965

9 ай бұрын

@@natureadventurist956 but with a Singaporean baby sure can buy BTO. Because father also Singaporean mAh. Mother no PR ok what. HK and SG every hour got ✈️✈️✈️✈️✈️.

只要人力部批准注册结婚 再申请PR成功率会高很多

Reapply for PR sfter marriage. Good luck!

因为也是有很多新加坡公民和外国人结婚，数年以后，他们搬去外国人配偶的国家。（以新加坡女公民嫁英美澳的为多数，新加坡政府很聪明）

@ct9245

9 ай бұрын

很多拿了金贴买楼，再赶快卖出去赚差价，再与外国婚伴离开新加坡去外国， 所以新国政府不随意给金贴。

@albertzhu331

9 ай бұрын

@@ct9245 他们的孩子也有外国身份，1）起初他们是要孩子们在新加坡接受双语基础教育；2）不想男孩当兵；3）如果他们的孩子进不了NUS, NTU, SMU，即使能进，他们的孩子在英美能进更好的大学，在澳洲的大学和专业也是随便挑。 所以有的和新加坡公民结婚，是为了在新加坡生活；有的新加坡公民和外国人结婚，然后会把新加坡当跳板，新加坡不是不是人人都想要的移民最终目的地。所以，新加坡政府的政策是对的，希望Irene 能理解，不要抱怨，等拿到PR再申请BTO.

HOPING YOU WILL GET PR AFTER YOU ARE MARRY WITH YOUR BOY FRIEND. GET A RESALE (4 ROOMS) HDB FIRST. THEN SIT ON A COW TO FIND HORSE TO LOOK FOR NEW HDB IN NEXT FEW YEARS .

只要你地能负担的起，买Condo啦。

@MeSsiaH7

9 ай бұрын

HDB 有一大好處，就係就算你破產，「債權人」也無法郁到你間 HDB，但如果係 condo 你就要用黎還債！

@viviancc1484

9 ай бұрын

新加坡一般condo 尺價現在拍得住香港北部區越賣越平的新私樓，要近萬蚊港紙一尺，新加坡bank loan 最多借八成, 而每月供款（包括計埋其它car loan/ personal loan)比例不可超過總入息55%， 壓測好似4.5%。有波叔plan, 現在香港買私樓易過新加坡了😅

@viviancc1484

9 ай бұрын

As long as at least 1 owner of a Housing and Development Board (HDB) flat is a Singapore Citizen, the flat is protected from creditors by law and cannot be sold or taken over by the Official Assignee (OA). The OA manages the affairs and estates of bankrupts, and has a duty to raise money or make advances for the purposes of the estate in order to fund repayments to creditors, among others. However, if all the owners of your HDB flat are not Singaporean Citizens, you will need to surrender your flat to the OA. The OA has the right to forcefully seize possession of your HDB flat should you refuse to cooperate.

@lamivan9637

9 ай бұрын

投资落Condo，应该唔會虧本。等到有细路仔個陣，先至買BTO。

@QuantQ168

9 ай бұрын

@@viviancc1484現在新加坡bank loan 冇80% LTV 囉，MAS 改了，10%手期，最多借75% LTV, 5%手期就得55% LTV。現在香港要谷樓市，用波叔plan ，3million sing 以下私樓，可借到盡有90% LTV ，stress test floor 只係2%， 現在香港地產代理商不停吹風下個月波叔可能get rid of SSD/ABSD，睇吓內地客會唔會番落埸炒😅

So weird that my comment seemed to disappear which I posted yesterday. Never mind, I have to post my comment here again. You need to use common sense. You can get 3 room resale HDB then marry and live there and wait for a couple of years then apply for PR. If successful, you can sell the resale HDB and buy BTO flat.

可以买小的两房。😅🤣🤣🤣👍

Went though the whole PR process for my wife. And realised there is no real HDB option as the 2 room flexi is incredibly small. With resale price for 4 room flat so high, it is a strain on the budget unless you have high paying jobs. On top of that, many rules on HDB resale. In the end, I have to suck up and buy condo (fortunately I have savings in the past) As a citizen, It is ridiculous.

@SSlayer9321

9 ай бұрын

I can relate bro, its as though we are some kind of 2nd grade citizen..

@crystal8537

2 ай бұрын

Its fair. 2 sgrean should always be priortised if not happy marry sgrean! Rules r alr there u still wanna marry foreign bu ur problem lol 😂😂😂

买私公寓就没这种限制

@ct9245

9 ай бұрын

有钱当然不再是问题，要拿政府金贴的組屋当然不属于有钱人家

Your Famiky and Siblings must be Notified

@Wongwanchungwongjumbo

8 ай бұрын

You can try to get Singapore 🇸🇬 PR

3:30,仲男朋友？😂

老公啦！😂

I would like to advice you to keep your options open like getting to know some Malaysian men or marry a Malaysian because houses in Malaysia is very cheap compared to Singapore and HK. In Malaysia, you have lots of options such as a terraced house, a semi detached house, a detach house or a bungalow compared to the limited options of apartment and condominium in Singapore. Furthermore, With the amount of money that you paid in Singapore, when it's convert to malaysian ringgit, you could buy a luxury semi detached house or a bungalow in Malaysia. The average price of a terraced house in Malaysia is around 300k - 400k, a semi detached house is around 500k- 600k and a detach house is around 900k -1 million, depends on location and which state you live in Malaysia.

@awclow

8 ай бұрын

Haha... you can even get more if you marry say a Sri Lankan...

@zhen86

6 ай бұрын

Might as well marry Indonesian.

ROM, apply PR, buy resale flat near your in-law.

Buy condo

36 sqm 超級小？呃。。在香港有些是住一家人

@ct9245

9 ай бұрын

不小了，在伦敦，纽约，东京，刚结婚的小两口、与小婴孩，是可以的。

@KWs5329

9 ай бұрын

超级小。在马来西亚，只是我的书房大小而已。

@user-im5vg2by2j

9 ай бұрын

超級小。在中國大陸只是人家的浴房大小而已。橘子比蘋果。

@KWs5329

9 ай бұрын

@@user-im5vg2by2j 超级小，在马来西亚只是停车位而已。

叫奶奶去住2Room。

@klching4741

9 ай бұрын

叉燒。

36sqm better than nothing, unless you intend to bear children straight away

@artistictaker6785

9 ай бұрын

depend on their luck to be balloted by HDB for 36 or 47 sqm.

PR can buy BTO

@kiankoklim7627

9 ай бұрын

no.

@kiankoklim7627

9 ай бұрын

BTO must at least one singaporean & one PR to foam a family

@meklavier4664

9 ай бұрын

Irene is not a PR

@paulpoon7253

9 ай бұрын

​@@kiankoklim7627 "form"

@wongkokkiong4847

9 ай бұрын

Not sure you are asking a question or answering a question?

Not trying to be funny or blunt. But a new born might be able to help.

離開咗新加坡太耐，雖然知道啲樓係越起越細但係冇expect會咁L細😠

Overpriced HDB flat. No money left.

I understand your desire and enthusiasm to live in Singapore, to get PR for your personal reasons. Singapore is a nice place to live when you are young and earn well to afford the living costs. When you get older or when the income is no more, you will not find Singapore that attractive.

@ajqmq

9 ай бұрын

When you get older, you can relocate to a smaller flat and have extra saving to spend.

that the hard life of foreign wifes of S'pore men

@crystal8537

2 ай бұрын

Its fair :)2 sgreans marriage shld be #1

Contribute by having a baby ,rest will be easy .

@ct9245

9 ай бұрын

Yes , show the Singapore government on your contribution

Nothing is cheap in SG..... don't forget 2024. GST going to increased to 9%..... Live in Malaysia.... Even cheaper and larger.

@ajqmq

9 ай бұрын

Don't forget to compare SG and Malaysia income first.

@tankgod888

9 ай бұрын

Nah. Consider Chinese cities around HK such as Zhuhai. Modern yet affordable in rental and nearer to HKG.

@jeremyjosh3058

8 ай бұрын

Yet bunch of poor malaysians still begging to live in Singapore lol

@jeremyjosh3058

8 ай бұрын

Malaysia is very dangerous with high crime rates daily which makes people want to leave

两三年好快过。 我同我嘅老婆注册时，佢连 PR 都无，我哋注册 --> 帮佢申请 PR --> 申请政府祖屋 + 申请公民权，一路披荆斩棘，如今都过了三十几年了。 时间跑得好快咖，系结婚就要快啲。

PR also not buy bto they only can buy resale flat 😂😂😂