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DO YOUR SUMS FIRST   - Buying vs Renting   - How Much Can You Afford?   - How Much Should You Borrow?   - Avoid Being Asset-Rich, Cash-Poor   - Rules of Thumb for CPF Home Buyers   BUYING A HOME   - Types of Housing Loans   - Using Your CPF for Housing   - Limits on Use of CPF   - Mortgage Loan Basics   - Costs of Owning a Home   - Using Your Property for Retirement Income   - Investing in Property   - Frequently Asked Questions   CALCULATORS/RESOURCES

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DO YOUR SUMS FIRST Buying vs Renting - Some advantages and disadvantages of buying and renting How Much Can You Afford? - Use this Home Affordability Calculator to get a rough estimate of the property cost you might be able to afford How Much Should You Borrow? - Estimate how much you may be able to afford for housing - Estimate the total payment (loan amount plus interest) for your housing loan - new flats - resale flats Avoid Being Asset-Rich, Cash-Poor - Estimate the monthly income you might need during retirement. - Estimate your retirement nest egg using the CPF Retirement Calculator Rules of Thumb for CPF Home Buyers   BUYING A HOME Types of Housing Loans - HDB concessionary loan for a flat - Check your eligibility for a concessionary interest rate housing loan - Read about the CPF interest rate - Information on buying a new flat from HDB - Information on buying a resale flat from HDB - Bank loan at market rates for a HDB flat - Check your eligibility for a concessionary interest rate housing loan - Read about housing loans from banks for HDB flats - Bank loan at market rates for a private property Costs of Owning a Home - Legal fees - Estimate of the legal fees for HDB transaction - CPF Conveyancing Panel for Residential Properties Scheme and HDB Flats Financed with Bank Loan - Stamp duty/fee - Valuation fee - Mortgage insurance - Read about the Home Protection Scheme - Fire insurance - Maintenance/conservancy charges and utilities - Property tax - To read more about property tax, visit the IRAS website Investing in Property - Some factors to consider when buying a property for investment Frequently Asked Questions Using Your CPF for Housing - Recent CPF Changes: How They Affect Your Home Loan - CPF contribution rates for workers aged above 50 to 55 years old - Available Housing Withdrawal Limit - Use the CPF Housing Withdrawal Limit Calculator to see when you might reach the withdrawal limit - Buying a House – a Life Stage under My CPF - Information handbook on Public Housing Scheme - Information handbook on Residential Properties Scheme Limits on Use of CPF - 100% Valuation Limit (VL) - Available Housing Withdrawal Limit (AHWL) - 120% - 150% Valuation Limit (VL) - Summary of the housing limits for HDB flats and private properties Mortgage Loan Basics - Interest Rate - Try it yourself! Use this simple calculator to work out your monthly instalment - CPF interest rate is revised - Loan Repayment Period - Try it yourself! Use this calculator to work out the total interest on a housing loan - This is because of the lower CPF contribution rates for workers above 55 - You should also note that the contribution rates for workers above 50 to 55 are lower than for those below 50 - Interest Computation - Penalty for Early Repayment Using Your Property for Retirement Income - Information on subletting HDB flats and bedrooms - HDB Studio Apartment Scheme for elderly HDB flat lessees   RESOURCES Resources Links   CALCULATORS - Home Affordability Calculator - Monthly Instalment Calculator - Loan Repayment Period Calculator - Total Interest Calculator - Outstanding Loan Calculator - Housing Withdrawal Limit Calculator - Home Protection Scheme Premium Calculator

Last Updated on: Monday, June 23, 2008 at 5:42 PM