Get Married 💍? Buy House 🏠? My view as a Hong Konger in Singapore

[@Dandelion1199]

For some people, they bought a resale flat without taking the housing grant. After having kids, they applied for bto under the "married with children" scheme which has priority for them. As long as you didnt take the housing grant for resale before, you will be categorised under first timers. If you had taken the housing grant before, you will be seen as a second timer even if applying for the BTO the first time.

[@ignatiusneo]

You can also opt for sales of balance flats if you want it faster. These units are either left over or when buyer gave up due to application didn’t go through

[@eatdriveplay]

Most are fiancée scheme that didn’t marry in the end…

[@leeyokepeng2209]

Latest measure announced by PM, newly weds apply bto got priority

[@simy6847]

If you can afford to buy a private housing in HK, then there is no reason not to consider resale HDBs or private housing in SG for the same flexibility you mentioned about HK.

[@eatdriveplay]

LOL if can afford private in HK, that means one can afford a $3-4m property… for which they would rather buy a condo in Singapore.

[@c22282]

Congrats. Thanks for sharing Singapore BTO purchase flow.

[@sallyloh834]

Hi Irene , so when are you getting married, have you decided to settle in HK or Singapore? My daughter’s BTO for River Peaks in the Central district was successful but have to wait at least 6 to 7 years 🤷‍♀️

[@icywalnut03]

congratz to both of you

[@hipposamadesu]

Waiting time for new BTO flat is 2-3 years. Mine took 2.5 years because of the pandemic delay construction.

[@leeyokepeng2209]

You only pay application fee between $10 to $100 when u book a bto flat. You only start paying when u are alloted a flat. Most people will take up a housing loan fm hdb or commercial bank n the monthly instalment can b deducted fm your cpf account too.

[@tarrius88]

U can buy resale HDB which hv just reached mop...it's new n u hv the flexibility...😂😂...in SG...is either u either u crave fr space or crave for facilities+luxuries...if u wish to has bigger space but doesn't bother about facilities like swimming pool or club house...u can just aim for HDB resale...n if u want newer flats...u can buy hdb tht just reached mop

[@olivia7759]

We want so much to marry but cannot. 🌈😥 But nehmind ah. I wish you a life full of happiness, good health and prosperity Irene!! 💕💖💞 If can will be Darry Ring! 🥰

[@tongfattho6913]

如果唔等得，可以買resale, 第一次買屋的可以得到政府津貼。

[@alexlim4508]

One of the ways to proposed to your fair lady, is to ask can we go for BTO? Congratulations 🎉

[@paulpoon7253]

「安居立命」是吾家🏠

[@Terry-f6n]

Quick married 😁 laaa then easy p.r.laaa Irene laaa😂😂😂😂😂

[@simontang1945]

希望你真心留在新加坡

[@leonardlee3340]

Is the income restrictions for HDB apply is SGD 14,000 per family?

[@sallyloh834]

couple’s combined salary not exceeding $14K

[@leonardlee3340]

@@sallyloh834 Is there any asset restriction also like cash, stock, savings etc?

[@sallyloh834]

@@leonardlee3340 dun think so

[@jeffchan7435]

黎緊仲有返大灣區居住呢個選擇tim啊!哈哈

[@daigogo5967]

整翻只七卡拉大钻石戒指先啦，恭喜恭喜，已经点赞了！

[@matthewong1953]

Irene must love chicken rice a lot. Its the opening screen shot of her videos! Hahaha

[@freddie792]

想當年我係買咗楼先結婚😅……二手屋 &

[@amubi]

买新屋等几年都是每个夫妇的常规，结婚后暂时住在男生家等新屋建好囖

[@amubi]

买旧房屋还要花几万块钱去renovation, 当妳要卖掉旧屋搬去新屋时又可能会有麻烦买家的问题弄得不happy。当妳搬新BTO屋子又要renovation才可以搬旧家具又多一个麻烦了。买新屋做一次reno就搬进simple easy job

[@jammerwong6364]

Best wishes to you and Ah Boy

[@petertang2618]

可以申請買屋了，開始等

[@Victor_goh]

Wow…got sponsors 💍….加油👏🏼

[@Wongwanchungwongjumbo]

Your Ah Boy Boyfriend and you Can Start buying BTO and Apply for Singapore 🇸🇬 PR

[@jamesseet9067]

28岁唔係小女子。。。Already an Old Auntie already 哈哈哈哈哈哈

[@horngchuanlim2377]

My angel Irene marriage liao , 我失恋了😭

[@leonardlee3340]

Florence 結婚未

[@yixuanzheng5799]

BTO的入息限制是$8000嗎？

[@leeyokepeng2209]

是$14,000

[@eatdriveplay]

$8000 太低了。两个一般的大学毕业生工作2-3年都超过了。有些人毕业就马上超过了。

[@vidx9]

香港人普遍覺得政府樓係公屋，非常低級所以會認爲新加坡人住政府樓都係一樣環境差又污糟邋遢。

[@francischia4118]

说的一点也没錯，多数在新加坡的外国人只会嫌东嫌西.

[@bell-xk5dd]

Actually many Singapore public housing flats are bigger and better than any private flats in Hong Kong. Public flats in Singapore are well maintained, clean and airy, and every 7 to 10 years, any blocks of flats will get a new coat of paint....

[@vidx9]

It's a misconception that Hong Kongers have of public housing that only the poor stay in. Those who know will have a better understanding.

[@tongfattho6913]

如果你來新加坡旅遊，不妨搭地鐵到新加坡的各個政府住宅區看看。你一定會發現這裡的政府樓都管理得很好。看了你就不能不信已故前總理李光耀和他的團隊所留下的業績。

[@iammisssee7752]

She also comparing Hongkong couple have much more flexibility in buying private condo and Singapore HDB flats. HDB flats owned by gov have many measures same like Hong Kong. Same situation like Hong Kong that the demand of the flat is high, and same like Hong Kong, Singapore couple can choose to buy private condo which is also more flexibility and high cost.

[@jeffchan7435]

得啦!你有老公架嘛!老公照顧你咪得囉!😂

[@NEAAFFAIRS]

I never went to the BTO route before covid. With the resale grant, its is not that expensive. 3-5 years wait for BTO is an opportunity cost that you cant get back. Its call time. Money can earn back. Time u cant. If cant get 5 room get 3 or 4 room resale. No need to show off to peers. Having a choice of better location also mean better resale value next time or rental yield. end of the day. Time or money you choose.

[@liangling9663]

Flexibility? Buy resale flat and can get the house immediately. Also cheaper than HK Next pay money will not get the HDB ??? Most of the time will get the house but of course under some circumstances, might get the house . But it is very rare and due to choosy people . Lastly congrats 🎉 and hope that you can contribute to our population 😊

[@liangling9663]

Correction- might not get the house

[@shindyfoo2962]

Sounded our HDB is so cheap 😂 The hefty bank loan and interest rate is a huge burden to our young couples. Cannot compare with HK ‘lah’ .

[@keewong7469]

this is utterly not true

[@pregnantenglish6019]

U go n find out more abt HK pte property prices. U might suffer a stroke. Sporeans don't realise how fortunate they r compared to HKers.

[@shadowj3311]

you forget Singaporean can pay the load with CPF

[@neggsilver]

But most people are prudent enough to choose a flat that is within their budget and use CPF so there is no monthly cash outflow from "own pocket".

[@huaiwei]

We need to ship people like you over to HK. There are plenty of HKers who will die to take your place here and live in a home fit for humans. I have a normal local U degree. I bought my own 4-room resale flat in a choice location for 510k with a 5k pay back then. I did not even have to take the housing grant to be able to afford it. I got a bank loan with 30-year repayment, and until recently with the huge hike in interest rates, I never had to pay any cash each month, with the loan largely taken cared of by CPF contributions. And even in the few months I had to pay, it was a few hundred dollars (not more than $500). Name me any other developed country where you can do this. Young couples who buy their BTO is much cheaper than my flat, and they get the most grants. Their starting combined salary can easily top my 5k if they are both also degree holders. In fact, they can even afford the $1 million resale flats as long as they can cough up the down payment, which many can do by the time they are in their 30s and sold off their first BTO. If you do not find yourself in this category, maybe you ought to ask yourself why, instead of complaining day and night. Or go HK and live in their coffin flats lah. I am sure you will be happier there.

[@loritafu8919]

Singapore Couples will get BTO first

[@escapiee]

Back ground wall is dirty. Needs painting.

[@jeffchan7435]

又來高密度業配? XD

[@lamivan9637]

28？我仲以为妳

[@youewe1357]

心安之处即是家。

[@johnchihk]

新加坡政府迫啲適婚男女早啲結婚

[@gotmyonu1027]

Honestly, there isn't any advantages buying flats in SG. Expensive and restricted. Don't forget, need to consider Property Taxes and GST (if any)....so not really cheaper in SG.

[@Jack-hy2ki]

Still better than malaysia

[@eatdriveplay]

You are talking Bull from Malaysia. Property tax is irrelevantly cheap. $100+ a year. Envious eyes talk nonsense to smear… nobody wants to buy your Malaysian houses, there’s a reason why it’s cheap and all vacant.

[@keewong7469]

sounded as if there is no property tax else where

[@huaiwei]

I didn't know buying a home is supposed to be an "advantage". It is a freaking home. What advantage you need?

[@brownysnake]

This is what complain for the sake of complaining looks like.

[@jeffrylimtzekuijefflim6924]

Come buy at JB house

[@gotmyonu1027]

Definitely!!!! Too costly living in SG.

[@Jack-hy2ki]

​@@gotmyonu1027malaysia cost of living is much much higher than SG.

[@iammisssee7752]

Haha... And suggest them to travel to Singapore to work and back to Jb at night with jam at the causeway?

[@eatdriveplay]

If it’s any good - they won’t be all vacant…

[@leeyokepeng2209]

hk public housing about 200 to 300 sq ft? Correct me if I m wrong

[@gotmyonu1027]

Malaysia is a good option for newlyweds. Cheap, good and BIG Come, come... Married and help Malaysia's economy!.

[@Jack-hy2ki]

Dangerous. Unsafe. Everywhere need to drive. Political unstable. Food safety low. Higher cost of living than SG. Must have car. Etc etc

[@iammisssee7752]

And the house that u buy might be a house scamming from developers. Scary

[@tongfattho6913]

Would consider if causeway less jam. Then can work in Singapore to earn SGD and live in JB to spend MYR.

[@Jack-hy2ki]

@@tongfattho6913 my malaysian in law said "nv get robbed b4 don't consider malaysian."

[@BoOmMaGuOpEeP]

@@Jack-hy2ki🤣🤣🤣🤣🤣🤣

[@sy-yc9hx]

你怎麼會是二十八歲～看起來像二十四歲