IntanBiduri This user has been deleted
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Originally posted by mutusamy at 21-4-2006 11:45 AM
situasi yg tak syok kat kolong blok..
kenkadang kalau ada kematian, org ramai tgh semayangkan jenazah kat tingkat
atas, ada masa nyer dorang tinggalkan keranda kosong kat kolong blok, takde or ...
op!! pocot....!~!! |
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My money's gone, where can I go?
Sells 3-room HDB flat to upgrade to 5-room
Divorces husband and later sells 5-room flat. Makes $24,000 from both sales
She and 3 kids move into aged mother's subsidised one-room rental flat
HDB says she's not a listed occupant and can't live there. But woman says: My money's gone, where can I go?
THIS is a tale of what can happen when you want not one or two but three bites of the cherry.
Madam Rosani has stacks of boxes of her belongings in the cluttered flat she shares with her mother. --Pics/HEDY KHOO
Madam Rosnani Amir, 47, bought and sold two subsidised HDB flats, making a profit.
Now she wants to buy another flat with an HDB loan.
But she doesn't qualify because anyone who has already enjoyed two HDB subsidies can't get another one, in fairness to others who have yet to take their first bite of the cherry.
She can't rent an HDB flat either because they are subsidised and the cherry is out of reach for those who've already had two bites.
She's been squatting in her mother's rented HDB flat but she isn't listed as an occupant.
So they are breaking the rules (to prevent abuse of subsidised rental flats). If Madam Rosnani continues to do so, her mother will lose the flat.
But is all this of her own making? You decide.
TOOK HDB LOAN
The patient care assistant nurse in a hospital used to live in a three-room HDB flat in Tampines Street 22 with her husband, Mr Amir Atan. They bought the flat in 1983.
The new flat was registered under her name and they took an HDB loan to buy it.
Madam Rosani (in white shirt) and her mother Madam Mah Ali. The 76-year-old grandmother sleeps in the kitchen of her rented one-room flat for privacy.
They sold it and bought a new five-room flat in Tampines Street 71 in 1995 again with an HDB loan.
Then, she separated from her husband in 2004.
Later that year, she began staying with her mother, Madam Mah Ali, 76, in her one-room rental flat at Chai Chee Avenue. Madam Mah rents the flat at $45 a month.
Madam Rosnani has two sons, aged 23 and 18, and a daughter aged 15.
Last year, she sold her second flat.
She had hoped to rent a one-room flat last year and approached her MP, Mr Sin Boon Ann, for help.
EXPENSIVE
She said it was expensive to rent a three-room flat, at about $600 a month, as she earns only $700 a month. Her son earns $800 a month working in a bakery.
She claimed although she got $24,000 of the total profits from the sale of both flats, she spent the money to clear debts, such as her son's phone and Internet bills which exceeded $1,500.
'I owed family and friends money before I got the profits and have repaid them. '
This could not be independently verified.
'I did not work for six months because I could not find a job. I have nothing left,' she said.
She showed us her correspondence with HDB.
Last March, HDB replied saying that anyone who sells two flats bought directly from HDB in the open market will be barred permanently from renting or buying another HDB flat.
That month, she appealed to HDB to grant her a loan to buy a resale three-room flat for her and her kids.
But HDB's resale operations unit replied last April that she was no longer eligible because of the two subsidies she enjoyed from her previous flats.
It also cited that she was earning about $1,000 which would be insufficient to support her family and that she was 'not financially ready to buy a flat' at that time.
That department also suggested in the letter that she continue 'staying at your mother's rental flat'.
Then, things got difficult in January this year.
Said Madam Rosnani: 'Someone complained to HDB that I was staying with my mother. An HDB officer visited my mother's flat and told her that I had to leave or she would lose the flat.'
On 20 Jan, HDB sent her mother a letter saying that Madam Rosnani and her children had been staying in the flat when Madam Mah was staying in Johor Baru.
Madam Rosnani said her mother goes there to visit Madam Rosnani's sister who married a Malaysian and is now a Malaysian citizen.
HDB said that her mother was not allowed to house anyone other than the authorised occupiers listed in her application forms.
If she was found to be flouting the rules, HDB would terminate the tenancy.
NOT FAIR
Madam Mah approached her MP, Mr Tan Soo Khoon, for help and he approached HDB on her behalf.
Having reconsidered her request to allow her daughter to stay there, HDB said it could not agree to it as it would not be fair to other eligible applicants waiting for the allocation of such flats.
And in March this year, they issued Madam Mah a notice to quit, meaning she has to hand over her flat by 31 Mar.
After Madam Rosnani asked for an extension, HDB has given them time till this month.
Now she does not know what to do.
Her mother's flat is stacked high with boxes from Madam Rosnani's flat.
Her eldest son sleeps on the floor next to the sofa in the living room; her younger son sleeps on the floor next to the double-decker bed; her 15-year-old daughter sleeps on the top deck, and Madam Rosnani sleeps on the lower deck.
Her mother sleeps in the kitchen because she prefers to sleep on the floor.
The lack of privacy has led to her children arguing over the use of the toilet. They also have difficulty finding their things among the clutter.
Said her daughter, Auni Amirah: 'It's a small flat and there's no freedom. It's difficult for me to change clothes.'
Said Madam Rosnani: 'It's very congested but I have no choice. My children are very uncomfortable and they always go out because they don't want to stay in.
'It's very stressful staying here.'
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HDB: It wouldn't be fair to those who need rental subsidies
MADAM Rosnani can stay with her mother for now, but she will have to move out, said HDB.
And she can't rent an HDB 1-room flat as she has already enjoyed HDB subsidies not once, but twice.
In an e-mail reply to The New Paper's queries, an HDB spokesman said rental flats are meant for the lowest income group who are unable to buy their own flats and the rents are heavily subsidised.
He added those who have sold two subsidised flats in the open market would have already enjoyed two housing subsidies. And if they are allowed to rent a flat from HDB, they would be enjoying yet another subsidy.
Said the spokesman: 'This would not be fair to others who need subsidised rental housing most, many of whom have not even enjoyed the first housing subsidy.'
ROUTINE CHECK
He added: 'When Madam Rosnani enquired if she could get an HDB loan if she bought another HDB flat, she was advised that, given her current financial position, it was not financially prudent for her to buy a flat at that time.
'Since she told our officer that she was staying at her mother's flat temporarily, we advised her to continue staying there in the meantime.'
He said that when HDB did a routine check at the Chai Chee flat, it was found that her mother was not occupying the flat and Madam Rosnani, who was staying there, was not a permitted occupier.
The HDB officer advised her mother to move back into the flat.
He said Madam Rosnani had asked for an extension to stay there until she finds a room to rent from the open market.
HDB has given her time till this month. |
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Invest more in your home
NINETY-THREE per cent of us own our homes while the rest rent.
It gives us the highest home ownership rates in the world. This is lucky for us because owning is better.
You pay a mortgage for 30 years and at the end you have something to show for it - a house.
Better yet, your home is free, in a way, since if you didn't buy it, you would have paid just as much in rent but with nothing to show for it at the end.
This 'free home' concept works well for HDB flats and low-priced homes.
It doesn't work for expensive homes since their mortgage payments usually exceed the rents.
It is another instance of HDB flats being the best deal around.
Another advantage of home ownership is you can borrow cheaply.
Personal loans, car loans and credit card debt all cost more than a home loan.
More importantly, you can raise a family and fix up your home with enthusiasm. It's your castle.
In comparison, stocks, bonds and unit trusts have little emotional appeal.
ASSET-RICH, CASH-POOR
Recently, much attention has focused on a big drawback of home ownership: Over-investing, or putting more into a home than you can afford.
The risk is you will sink all your money into a house then end up retiring asset-rich but cash-poor.
Does it mean you should invest less in a home? I don't think so.
Here is why.
1. There is no good alternative to buying a home. If you rent for 40 years, you will retire asset-poor and cash-poor.
2. Suppose you throw caution to the wind and buy a big home.
Most likely, you will grow into it. As your career progresses, your income will increase.
Your savings will too.
A house that looks expensive now will seem quite affordable in 10 years.
In 20 years, you will probably think that you had under-invested.
3. If you retire and find that you have a big house but no cash, it is an easy problem to fix.
Simply sell your house.
This instantly transforms you from being asset-rich and cash-poor to the opposite.
You become asset poor but cash rich.
4. Another solution is to keep your home and use it as collateral to borrow money.
You can do it through a reverse mortgage. (See report at right.)
5. Avoid becoming cash-poor by keeping your home but cutting back on other investments that squeeze your cash.
Recent CPF changes make this a necessity for home owners.
That's because new rules to take effect from 2003 to 2013 mean that much less will go into CPF ordinary accounts, which are the primary source for home-loan payments.
It is a big problem and the easiest solution is to cut back on other investments that tie up your money.
Whole life, education and endowment insurance policies, for example, require that you keep paying for up to 20 years before you can break even.
6. Final advice: Don't worry too much.
Bank and HDB rules make it very difficult to over-invest.
They limit your loan size so that monthly mortgage payments do not exceed 40 per cent of your income.
You couldn't over-invest even if you wanted to.
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A way to 'pawn' your home
IF you are super sentimental and cannot bear to sell your home, here is a solution: Borrow money using your home as collateral.
It is called a reverse mortgage. It works like a pawnshop loan but instead of using gold jewellery as collateral, you use your home.
For HDB flats, it is available to people over 70 years of age who have already paid off 90 per cent of their mortgage. They can borrow up to 70 per cent of the value of the home over a period of 20 years.
After 20 years - at age 90 - they must pay back the loan. To do this, most people sell their homes.
In fact, you can think of a reverse mortgage as selling your home gradually. If you change your mind, you can always pay off the loan and keep your home.
It works like this: If you have a $400,000 HDB flat, you can borrow $280,000 over 20 years. It means you will receive monthly payments of $655.
I think a reverse mortgage is useful. For senior citizens, it may be their only source of cash other than selling their home.
Most banks won't refinance a home loan unless the mortgage is paid off prior to the borrower's 65th birthday.
It means you must be under 45 years of age to qualify for a 20-year home loan.
An HDB flat's reverse mortgage costs 5 per cent interest, which is about
1 per cent more than a fixed-rate home loan.
It is cheaper than all other sources of borrowing. The only company offering reverse mortgages is NTUC Income. It just started offering them for HDB flats and has issued four so far.
For private property, it has issued 300 since 1997. The small numbers may indicate that being asset-rich and cash-poor is not such a big problem for retirees after all. |
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KENAIKAN HARGA RUMAH PRIVET TERBESAR SEJAK 2000
Kadar didorong kenaikan dalam harga penjualan rumah privet mewah
Oleh
Fadilah A. Majid
HARGA perumahan privet mencatatkan kenaikan terbesar sejak suku pertama 2000 - meningkat 1.5 peratus pada tempoh tiga bulan pertama tahun ini berbanding suku keempat tahun lalu - didorong oleh kenaikan dalam harga penjualan rumah privet mewah.
Penguasa Pembangunan Semula Bandar (URA), dalam perangkaan penuhnya bagi Januari-Mac itu, berkata harga indeks rumah privet naik sebanyak 1.8 mata ke paras 120 mata.
Sewa bagi rumah privet juga meningkat 1.1 peratus, daripada 0.7 peratus dalam suku sebelumnya.
Pengarah urusan syarikat perundingcara hartanah Knight Frank, Encik Tan Tiong Chen, dalam laporan ulasannya berkata indeks tersebut menunjukkan harga sedang menuju ke arah yang tepat.
'Beberapa segmen sedang menikmati kenaikan semula,' kata beliau.
Selain kondominium mewah, rumah berhalaman juga mencatatkan prestasi lebih baik lagi.
Harga rumah berhalaman bagi tempoh suku pertama naik 1.4 peratus, kenaikan 0.9 peratus berbanding suku sebelumnya yang didorong pelancaran rumah privet yang lebih banyak.
'Para pembeli membeli kerana meramalkan harga akan meningkat,' kata Encik Colin Tan, ketua pengamat di Chesterton.
Walaupun demikian, pemulihan yang agak jelas itu bagi pasaran perumahan mewah masih belum melimpah kepada pasaran yang lebih luas secara besar-besaran, kata beberapa pengamat hartanah semalam.
Menurut pengamat, pemulihan umum mengambil langkah lebih lama daripada yang dijangkakan kerana orang ramai masih lagi bimbang tentang kadar faedah yang meningkat dan juga penggunaan dana CPF mereka,' kata beliau lagi.
Tetapi terdapat tanda-tanda bahawa pemulihan akan secara perlahan melimpah kepada pasaran jualan semula rumah privet.
Para pelabur asing, menurut mereka, masih terus melabur di sini terutama dengan pilihan raya dan juga pembinaan resort bersepadu (IR) di Marina Bay. Ini akan meningkatkan sentimen keseluruhan pasaran hartanah, tambah para pengamat itu lagi. |
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HARGA JUALAN SEMULA FLAT HDB NAIK SIKIT
HARGA jualan semula flat Lembaga Perumahan dan Pembangunan (HDB) bagi suku pertama tahun ini menunjukkan peningkatan kecil sahaja pada 0.2 peratus berbanding suku keempat tahun lalu.
Menurut perangkaan penuh bagi tempoh tiga bulan Januari-Mac HDB itu semalam, berbanding dengan suku pertama, harga pasaran penjualan semula flat HDB telah merosot sebanyak 4.6 peratus.
'Ini menunjukkan bahawa pasaran telah agak stabil selepas pelaksanaan amalan anti-cashback yang diperkenalkan pada 1 April tahun lalu dan juga kenaikan terakhir bayaran tunai (yang menjejas pembeli yang mengambil pinjaman bank) kepada 5 peratus pada 1 Januari lalu,' kata Penolong Naib Presiden ERA, Encik Eugene Li.
Beliau menambah harga dan jumlah penjualan flat jualan semula HDB diramalkan tidak akan menunjukkan banyak perubahan.
'Dengan pelaksanaan wang tunai 5 peratus itu, tidak ada lagi faktor yang akan membuat pembeli tergesa-gesa seperti yang dilihat sepanjang dua tahun lalu.
'Mereka kini mempunyai lebih banyak masa dan kurang tertekan untuk meletakkan komitmen bagi flat yang mereka inginkan. Ini adalah antara faktor yang menyumbang kepada kestabilan dalam harga jualan semula flat HDB sejauh ini,' tambah beliau.
Para pengamat juga berkata para pembeli mempunyai pilihan luas kerana HDB terus berusaha untuk menghabiskan stok yang tidak terjual bagi flat HDB-nya. Ini akan mengawal kenaikan harga secara tidak langsung, kata mereka.
Menurut perangkaan HDB, flat tiga bilik dan flat eksekutif telah merosot lebih daripada flat empat bilik dan lima bilik.
'Ini kerana flat empat bilik kini paling popular pada masa ini sementara flat lima bilik juga terus diminati oleh mereka yang ingin berpindah ke rumah lebih besar,' menurut Encik Lim lagi. |
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Originally posted by SQ154 at 25-4-2006 07:19 PM
My money's gone, where can I go?
Sells 3-room HDB flat to upgrade to 5-room
Divorces husband and later sells 5-room flat. Makes $24,000 from both sales
She and 3 kids move into aged mother ...
sedih aku baca ceta ni... |
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Originally posted by deaf4ever at 30-4-2006 11:36 PM
sedih aku baca ceta ni...
Aku kesian... kesian kat mak dia kena tido kat dapor... |
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matz_rockz This user has been deleted
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kalo tak salah semalam punya news...
this lady, rumah dia kena attack termite...flooring dia pakai parquet...
abis...kena attack |
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Originally posted by matz_rockz at 11-5-2006 03:44 PM
kalo tak salah semalam punya news...
this lady, rumah dia kena attack termite...flooring dia pakai parquet...
abis...kena attack
news mana matz?
aku pernah nengok Anai Anai mengamuk...
dahsyat wa cakap lu...
tak payah cakap nengok la, ko boleh dengar pun, dan ko bleh rasa dia punye warmth, ada aura gitu Anai2 ni |
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matz_rockz This user has been deleted
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Originally posted by deaf4ever at 11-5-2006 09:37 PM
news mana matz?
aku pernah nengok Anai Anai mengamuk...
dahsyat wa cakap lu...
tak payah cakap nengok la, ko boleh dengar pun, dan ko bleh rasa dia punye warmth, ada aura gitu Anai ...
omputih punya news at 9.30 pm |
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Originally posted by matz_rockz at 12-5-2006 07:10 AM
omputih punya news at 9.30 pm
takde ah aku gi CNA website
boring sey, aku nak nengok |
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Originally posted by matz_rockz at 11-5-2006 03:44 PM
kalo tak salah semalam punya news...
this lady, rumah dia kena attack termite...flooring dia pakai parquet...
abis...kena attack
alex rasa alex pun tgk berita yg sama... chinese family kan? hdb flat kar jalan besar.... kesian...
dia baru renovate rumah x sampai 6 bulan.... |
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Originally posted by alexandria_iz at 14-5-2006 12:07 AM
alex rasa alex pun tgk berita yg sama... chinese family kan? hdb flat kar jalan besar.... kesian...
dia baru renovate rumah x sampai 6 bulan....
maybe possible ke anai2 tu masuk rumah masa renovation....kalo tanah contractor dah mix ada anai2... |
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matz_rockz This user has been deleted
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Originally posted by alexandria_iz at 14-5-2006 12:07 AM
alex rasa alex pun tgk berita yg sama... chinese family kan? hdb flat kar jalan besar.... kesian...
dia baru renovate rumah x sampai 6 bulan....
yes friend ,kat jalan besar...... |
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matz_rockz This user has been deleted
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S$16 mil for a penthouse....banyak nya duit dia ada..... |
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sapalah yang komplen tuuuu.... kesian!!!!
Originally posted by SQ154 at 25-4-2006 07:19 PM
Said Madam Rosnani: 'Someone complained to HDB that I was staying with my mother. An HDB officer visited my mother's flat and told her that I had to leave or she would lose the flat.' ... |
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URA RELEASES FLASH 1st QUARTER 2006
PRIVATE RESIDENTIAL PROPERTY PRICE INDEX
The Urban Redevelopment Authority (URA) releases today the flash estimate of the price index of private residential property for 1st Quarter 2006.
Based on the estimated price index of private residential property, prices rose from 118.2 points in the 4th Quarter 2005 to 120.0 points in the 1st Quarter 2006. This represents an increase of 1.5%, compared with the 1.4% increase in the previous quarter (see Annex A).
The flash estimate is compiled based on transaction prices given in caveats lodged during the first ten weeks of the quarter supplemented by information on the number of new units booked. The statistics will be updated 4 weeks later in the 1st Quarter 2006 real estate statistics when more data on the caveats lodged and the take-up of new projects are captured. Past data have shown that the difference between the quarterly price change indicated by the flash estimate and the actual price change could be significant when the change is small. The public is advised to interpret the flash estimate with caution. |
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They can still sell you a home
Both are back at work
One property agent was jailed for helping a client get bank loan illegally
Another jailed twice for property-related offences
SOME property agents who have served time in prison are now back in the market.
One agent was jailed in April for a month for helping his client get a bank loan through fake employment documents.
Another was jailed for pocketing company money and is back in an accredited agency.
Both felt it was fair they be allowed to return to the industry as they have done their time and learnt their lesson.
They claimed they are still in demand by their clients who also still trust them.
The agent who was jailed for a month is already advertising his services.
He has been running advertisements regularly. On one day last month, he had seven ads.
JOB OFFERS
He calls himself a 'consultant agent'.
Asked about this tag, the 63-year-old said: 'I am not practising, there is no (company) logo to my name.'
In a news report last month, he said at least three agencies have offered him jobs.
He said: 'I am still taking a break and I have not decided which company I want to join. But by August, I will be back in the market with a company.'
For now, the agent - who has collected several top agent awards in his previous company - is taking out ads to help his agent friends by publicising their deals.
TRUST
Not many calls come his way now, but he gets by on his savings.
He declined to say if he was earning commission for his referral work.
He claims that most of his clients look beyond his conviction, adding: 'They still trust me.'
The other agent, 35, is now employed with an accredited agency after being convicted twice.
He was first sentenced in 2000 for cheating his client of money, after the sale of a house. He was also sentenced for petty theft. He was jailed 20 months.
Then, in 2002, he took $6,348 from his client, who paid his commission in cash.
Instead of handing it to the company, he pocketed it.
He was jailed 21 months.
After being released from prison early this year, the father of four told The New Paper he wants to move on.
He said: 'I have learnt my lesson. Now I demand every transaction be paid through cheque or cashier's order.'
He claims his earlier clients, who still trust him despite his criminal record, keep him going.
He became an agent in 1994 and made news a year later for sealing a record $745,000 sale for a flat.
HIRED DESPITE CONVICTION
He said that his present bosses have been understanding.
His bosses hired him despite his conviction.
He said: 'I think it's only fair that we come back into the profession. I have served my time ...learnt my lesson.
'I have maintained my integrity and my professionalism... so now I need people to accept me.
'This business is my cup of tea. I want to put this (jail) behind me.'
Property firm ERA's assistant vice-president, Mr Eugene Lim, feels that agents who have served jail terms should declare it upfront.
If the agent does not declare and the company finds out later, he said they have a right to terminate them.
He added: 'On the flip side, if the agent declares his record, we will consider him, assess him through the interview and consider him depending on the severity of his crime and whether that can affect the integrity of the company.'
Presently, there is no real estate organisation which lists records of agents.
However, a seven-month-old watchdog, called the Singapore Accreditation Estate Agencies (SAEA), has just started compiling a database of accredited agents and agencies. (See report on facing page.)
While it has not expelled any agent to date, one accredited agent sentenced in April for malpractice is facing an SAEA panel.
ASK FOR RECOMMENDATION
SAEA will make a decision to expel or warn him in a month's time.
Visit www.saea.org.sg for more information on this list.
Real estate agencies have this advice to clients: Check with the agency on the agent you plan to engage.
If you are in doubt, they say the best option is to call the agency and ask them to recommend an agent to you. |
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matz_rockz This user has been deleted
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i saw the advert....banyak rumah yang di advertise
business as usual |
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Originally posted by matz_rockz at 16-6-2006 08:17 AM
i saw the advert....banyak rumah yang di advertise
business as usual
ala...dekni pak lah pak lah tu kan.....
cam biasa je iklan dia keluar sokkabar...... |
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Category: Negeri & Negara
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Post time 21-4-2006 12:20 PM
Author
