စကာၤပူမွာ အိမ္၀ယ္ခ်င္ရင္ ဘယ္လိုေခ်းေငြေတြယူရမလဲ?

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သင္စကာၤပူက အိမ္၀ယ္လို႔စဥ္းစားေနၿပီလား? အမိျမန္မာကလို မိမိမွာအိမ္ဖိုးေငြအကုန္္ရွိစရာမလိုပါဘူး! မပူပါနဲ႔! PR ၂ေယာက္ျဖစ္ရင္ရယ္ သင္ရဲ႕လစာ၀င္ေငြေပၚမွာတြက္ခ်က္ၿပီးမွ ၀ယ္လို႔ရပါတယ္ေလ၊ အစိုးရ အဆင့္နိမ့္အိမ္ရာ HDB ေတြကိုေတာ့ တဦးကို တလံုးေလာက္ဘဲရပါတယ္၊ အမ်ားႀကီး၀ယ္ခ်င္ရင္ေတာ့ အျပင္ ပုဂၢိဳလိကေရာင္းတဲ့ Condo ေတြဘဲ ၀ယ္လို႔ရပါတယ္၊ အဲ! စီပြားေရးလုပ္လို႔ရတဲ့ ဆိုင္ခန္းေလးေတြ ကိုေတာ့၀ယ္လို႔ရပါေသးတယ္လို႔သတိေပးလိုက္ပါတယ္.....
အေသးစိတ္ကိုေတာ့ ဒီမွာဖတ္ၾကည့္လိုက္ပါေနာ္.....Income Guidelines
သင့္ရဲ႕ ေငြေရးေၾကးေရးကို အၾကံဥာဏ္ေပးတဲ့ေနရာေလး... Planning Your Finances
ဒီအထဲမွာက--HDB Housing Loan ႏွင့္Bank Housing Loan ေခ်းေငြကိစၥေတြပါပါတယ္..

ဘဏ္ေတြကေန သို႔ HDB ကေနေခ်းေငြေတြေပးထားပါတယ္! ဒါကလဲ အမိျမန္မာျပည္မွာမရေသးတဲ့ စနစ္ေလးပါ၊ အဲ! ေခ်းေငြယူၿပီးရင္လဲ ေသေအာင္ဆပ္ေပေတာ့! ႏွစ္ ၂၀-၃၀ေလာက္ၾကာမွာေနာ္! ဟဲဟဲ!
စကာၤပူမွာအဆင့္နိမ့္HDB အိမ္ခန္း၀ယ္ရင္ ဘယ္လို ေခ်းေငြေတြႏွင့္ ၀ယ္သင့္သလဲ?
သင့္ရဲ႕CPFထဲကေနေခ်းလို႔တဲ့ အစိုးရ HDB-CPFေခ်းေငြႏွင့္ ျပင္ပပုဂၢဳလိကဘဏ္ေခ်းေတြကို ႏႈိင္းယွဥ္ ၾကည့္ လိုက္ရေအာင္!
ဘယ္ဟာေကာင္းတယ္ မေကာင္းဘူးဆိုတာ မိမိကိုယ္ႏိုင္တဲ့ေငြေၾကးအေပၚမွာ ခ်င့္ခ်ိန္တြက္ၾကည့္လိုက္ပါ ေနာ္...

 

အေသးစိတ္သိခ်င္ရင္ေတာ့ ဒီမွာဖတ္ၾကည့္လိုက္က်ပါ...

(၁)စင္ကာပူတြင္ အိမ္၀ယ္ျခင္းအေၾကာင္း (၁)

(၂)အမ်ားပိုင္အိမ္ရာေတြ ငါတို႔ပိုင္ဆိုင္ခြင့္အခ်ိန္ေရာက္သင့္ၿပီ!

 

 

TO BUY $300K HDB WITH CPF-HDB VS PRIVATE BANK

 

 

TO BUY $300K HDB WITH CPF-HDB VS PRIVATE BANK

 

 - HDB-CPF INTEREST

* based on downpayment rules of HDB - 15% CPF & 5% cash

* mortgage rate of HDB - 2.6%

* CPF interest of 2.5% paid by you and not the government

 

- PRIVATE BANK INTEREST

* based on today's 1.5% mortgage rate

* downpayment 20% with cash

Dear Singaporeans,

This summary main purpose is to illustrate the interest paid when using CPF on HDB mortgage. The private bank interest is to contrast, which of course there are many options possible.

The chart can be used by ...

1) simply multiplying the y-axis to the price of your HDB.

(i.e. If your HDB is $450k, just multiply the y-axis by 1.5 times, since the calculations is based on $300k.)

2) Use a ruler on the number of years already owned to measure the interest $$ incurred.

 

CPF owed (15% HDB Downpayment)

If you are eligible for a loan ceiling of 80%, you will have to pay the initial payment of 5% in cash. Balance 15% using CPF savings, CPF Housing Grant or cash.

Price of HDB - $300,000
Downpayment (20%) - $60,000
Cash (5%) $15,000
CPF (15%) $45,000

TOTAL CPF OWED FROM DOWNPAYMENT - $92,812.
TOTAL CPF INTEREST OWED FOR DOWNPAYMENT - $47,812


REFERENCES
CPF Interest Rates
http://mycpf.cpf.gov.sg/CPF/News/News-Release/N_18Feb2013.htm

HDB DOWNPAYMENT
http://www.hdb.gov.sg/fi10/fi10321p.nsf/w/BuyResaleFlatFinances?OpenDocument

 

 

Price of HDB - $300,000
Downpayment (20%) - $60,000
Loan balance from HDB - $240,000
HDB rate 2.60%
Payment Period - 30 years
Monthly CPF payment - $961
Total Mortgage Interest - $105,894 (Using CPF)
Total Repayment - $345,894

(This is simple mortgage chart.)

MORTGAGE
We can use either bank mortgage or HDB concessionary loan

BANK MORTGAGE
Today's bank effective mortage rate is about 1.78%. Depends on the package selected It was much lower a month ago and has been the cause of property fever.
http://www.straitstimes.com/breaking-news/singapore/story/mortgage-rates-singapore-the-way-20130329

HDB CONCESSIONARY LOAN
The concessionary loan rate is 2.6%.
Which is 0.1% above CPF interest rate of 2.5%.
http://www.hdb.gov.sg/fi10/fi10328p.nsf/w/UpgradeHDBInterestRates?OpenDocument

WHICH LOAN IS BETTER?
Of course it is the bank mortgage.

But there are many topics not addressed in this discussion.
How long is your loan, which will affect your ability to pay, and the fluctuating interest rates over time.
HDB concessionary rate has the advantage to stay the same rate. But the recent property rise are by short term investors. Foreigners of course know this as the calculation they use is simpler and easier.

However most Singaporeans will be led to use HDB concessionary loan. Which inevitably use CPF to pay for the mortgage. This is a trapping only to Singaporeans, as other countries have more practical approach. Do not forget that CPF has to be returned back, with interest paid by yourself and not the government.


Since most Singaporeans will use HDB concessionary loan, I will illustrate it here. Standard mortgage calculator is sufficient.

HDB MORTAGE LOAN - CONCESSIONARY RATE
http://www.gohome.com.hk/mortgage-calculator/en/?price=300%2C000&ratio=80&amount =2402C000&interest=2.6&period=30&ssd_select=1&commission=30%2C000&legalfee= 0&insurance=0

 

 Ref:https://m.facebook.com/photo.php?fbid=164112853773032&id=100005229540577&set=a.134335380084113.1073741827.100005229540577&__user=1501372646