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HDB BTO

Build To Order HDB flats

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Have a 5~ year horizon to pool in money together with my partner to fund for our BTO. What's the best strategy?
Hi there, Your investment returns are not guaranteed, even if it's over the Long term. While you can do a monthly allocation, you may want to be cautious on how much you allocate on your investment regime. Five years may be a relatively short time for a housing need that's is guaranteed so you may want to also try short-term endowments for guaranteed interests. You may ask around your friends on the past performance of the S&P500 and robo since both of them work differently. One tracks the market index while the other is a algorithm-crafted portfolio So you can see which works Better for you Financial planning is an integral part of life. You can reach me here to find out more.

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Property

HDB BTO

HDB Resale

I bought this 4room HDB, near Ponggol Park, way back (est 40 years ago) bought with gov subsidy, should I sell and buy BTO or resale in a newer estate like Sengkang?
YOu bought with grant. So now you'll need to factor in Resale levy if you were to buy a BTO from government agian. To know if you should buy resale or not again, need more info on what's your life stage, intention and purpose.

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HDB BTO

Family

HDB Resale

I am currently the co-owner of a HDB resale with my mother. I've met the 5 year MOP. Intend to remove my ownership and transfer it to my brother. Can I still apply for BTO before removing my name?
Yes you can. But if there is outstanding loan, your brother need to be able to take up the new loan based on his income.

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HDB BTO

AMA Stacked Homes

Can I be main applicant in 1 BTO application, and be occupier in another BTO application?
Sorry, I’m afraid this isn’t possible!

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HDB BTO

AMA Stacked Homes

Under MCPS scheme, up to 30% of BTO units in a new launch will be reserved for these applicants. How do I know, if currently out of the 30%, how many has been taken up so far?
Hey there! Unfortunately, there’s no way to know this as it does not show which units are reserved. Under the priority scheme, you’ll just have a better chance to select a flat.

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HDB BTO

Property

Home Loans

AMA Stacked Homes

What is procedure if I sold my resale 4-rm with bank loan, and bought a around BTO 4-rm around 480k what is the cash i need?
Hey! You’ll need to have sufficient amount of cash to pay off the stamp duties, lawyer fees etc first. Beyond that, it’s just a matter of whether you take a HDB or bank loan for your BTO. If you’re taking an HDB loan, you can use CPF fo the 10% downpayment. If it’s a bank loan, you’ll need at least 5% in cash for the downpayment, and the remaining 20% in cash/CPF 👌

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AMA Stacked Homes

HDB BTO

Property

What is your opinion of Punggol crown BTO and cove BTO launched in 2019?
If they pull off the Punggol Digital District, definitely.

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AMA Stacked Homes

Property

HDB BTO

When is the best time to sell off my BTO after MOP?
Ideally, as soon as you can after you reach the MOP. This is to ensure you capture the full value between the resale price and the price at which you bought it. At any time afterward, the flat will usually see some depreciation and be subject to secondry market forces. The challenge is not that it's hard to sell your flat soon after MOP though. The challenge is in having an alternative. What is the next property purchase that works for you? If the only next option is another resale flat, then maybe just hang on to your BTO a while.

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AMA Stacked Homes

Property

Executive Condo

Condo

HDB BTO

Which is a better long term investment - EC VS CONDO VS BTO?
Freehold properties will be of the best value.

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HDB BTO

AMA Stacked Homes

First timer family & non-mature estate. I applied BTO once (first time) but unsuccessful. If I applying for sales of balance (2nd time) and it’s unsuccessful, will I get 1 more ballot chance next?
You will get one more ballot chance if you are unsucessful for two or more BTO applications, so yes! Just so long as you keep to the non-mature estates.

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