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- 정부 아파트 (HDB) 신규 구입 관련 정부 지원책 및 계산법 안내
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- 한국촌 (hansing)
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- 4,337
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- 2011-04-27
본문
- First time flat buyer purchasing a 4 room BTO Flat
Flat Price : $278,000 (average 4-room flat price in 2010)
Income : $4,200 (median income ofr 4-room flat applicants in 2010)
Downpayment at sighing : $13,900 ($278,000 x 5%) (Based on staggered
downpayment scheme for a young couple below 30)
Grants : $10,000 (Additional Housing Grant)
Balance of downpayment less additional housing grant of $10,000 : $3,900 ($13,900 - $10,000)
CPF Saving : $966 a month ($4,200 x 23% OA Contribution)
Time taken to save enough in CPF Ordinary Account for downpayment : 4 months ($3,900 / $966)
Loan Quantum : $250,200 ($278,000 x 90% Loan To Value)
Monthly Mortgage : $1,002 (90% LTV, 30 years loan, 2.6% conc loan rate)
Cash outlay after CPF : $36 a month ($1,002 - $966)
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