Housing Development Board (HDB) 에서 발표한 신규 정부 아파트 구입에 따른 정부 지원책 및 비용 계산법 안내입니다. 해당 정부 지원 정책은 싱가포르 시민을 대상으로 실시되는 것이며 외국인 (영주권자) 이 중고 정부 아파트 (Re-sale Flat) 를 구입할 경우는 적용되지 않습니다.

- 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)