18/08/2021
Can Singapore PR now buy a house? 新加坡PR现在可以买房吗？
When a PR wants to buy a house in Singapore, he needs to give 5% ABSD (additional buyer stamp duty ).
Many PRs are unwilling to pay this tax. Then let's explore the origin of this tax:
ABSD (Additional buyer stamp duty) was implemented on December 8, 2011, to control house prices, to limit real estate speculation, and allow people in need to purchase houses.
Let's take a look at the comparison of the transaction prices of 4-room HDB flats in Punggol in 2020 and 2021.
In September 2020, the transaction price was $362K. If you buy, the ABSD is $18.1K. The total price is $380.01K*
If you didn't buy it last year, the transaction price on the same floor of the same level in May 2021 is $402K. The ABSD is $20.1K. The total price is $422.1K*
Everyone can see that Singapore's house prices have appreciated by 40k in just one year, which is more than the tax you pay!
Buying a house is an important thing, we need to consider a few points:
1) Will the PR ABSD be abolished? (The odds are very slim)
2) How long does it take to transfer a PR to a Singapore citizen? 5 years?
3) What should I do if the house is $100,000 more expensive than now in 5 years time? If you were to bought it, how about making $100,000 after 5 years?
4) Are you renting a house now? How much do you pay per month?
5) Can you take a loan? The total family income is $3800 per month. You can loan about $300k in Singapore and pay $1200 per month.
6) Will house prices fall after the pandemic? Singapore’s current housing supply is insufficient, and the completion of housing in the construction industry has been delayed from 3 years to 5 years. Singapore in an open economy country. Once it opens up, rental and housing prices will rise! What's more, Singapore has a target of 10 million people, the speed of housing construction is not as fast as the open policy!
Consult me, to plan to buy a house, and make the right decision!
新加坡PR现在可以买房吗？
当PR要在新加坡买房， 他需要给多给5%ABSD （额外购买税）。
因为需要给这税很多PR都不愿意付这税。那我们来探讨这税的由来：
ABSD (额外购买税）从2011年12月8日开始实施，是为了控制房屋价格, 限制炒房的热潮，让有需要的人购买房。
我们来看看 2020年和2021年的4房式政府组屋（HDB）在榜鹅的成交价对比:
2020年9月 成交价是$36.2w。 如果你购买的话额外购买税（ABSD）是$1.81w. 总价是 $38.01w*
如果你去年没买，今年2021年5月在同一座同等级的楼层的成交价是$40.2w。额外购买税（ABSD）是$2.01w. 总价是 $42.21w*
大家都可以看到新加坡的房价在短短的一年内升值了4w的幅度还比你交的税多呢！
买房是一件重要的事、我们需要考虑几点：
PR 额外购买税是否会废除？（几率渺茫）
PR 转去新加坡公民需要多久？ 5年吗？
5年后房屋比现在贵$10万怎么办？如果是你购买了，5年后赚了$10万如何？
你现在在租房吗？ 每月交多少钱？
你能贷款吗？总家庭收入在每月$3800 ,你们可以在新加坡贷款30万， 每月付$1200。
疫情后房价会跌吗？ 新加坡目前的房屋供应不够，建筑行业建完房屋都从3年延迟到5年。 新加坡以开放经济模式运营国家，一但开放， 房租，房价都会在攀升！何况新加坡有1千万人口的目标，建房的速度不如开放政策！
咨询我，买房需要计划，带你看好房买好房，做正确的决定！
