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71 replies to this topic | 222 praises

#1

Posted 17 January 2016 - 01:23 AM

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Was planning to get a 5-room BTO this year as my current flat will MOP soon. Was thinking that the new income ceiling came in just nice... until my boss just suddenly gave a pay increment which puts my wife and me just a couple of hundred of dollars over the salary ceiling for BTO. Can I still appeal and has anyone in my circumstances successfully appealed to HDB before?


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#2

Posted 17 January 2016 - 08:45 AM

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Buy EC.


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QUOTE
do to others what you want others to do to you......

#3

Posted 17 January 2016 - 08:52 AM

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ask your boss to reduce your pay ... lol

anyway ... can try to appeal lor ... since BTO is not in huge backlog ... perhaps ... got chance


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#4

Posted 17 January 2016 - 01:42 PM

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Please don't fight with poor people like me for a unit in bidadari..... Go apply your ec... Hehehhe
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#5

Posted 17 January 2016 - 02:14 PM

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Please don't fight with poor people like me for a unit in bidadari..... Go apply your ec... Hehehhe

You can try this route.

1) Get a letter from your MP

2) Submit appeal to HDB via their regular support channel.


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#6

Posted 17 January 2016 - 06:26 PM

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Why go through all the hassle writing to HDB, MP, blar blar?

 

Just have a talk with your HR or boss to postpone your increment. Unless your definition of nearing MOP is 12 months down the road.

 

On a more sane note, you can write in to HDB to appeal.


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#7

Posted 17 January 2016 - 06:40 PM

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I dont know why you prefer the bto over the ec. Ec is sure make money purchase

#8

Posted 17 January 2016 - 06:53 PM

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Was planning to get a 5-room BTO this year as my current flat will MOP soon. Was thinking that the new income ceiling came in just nice... until my boss just suddenly gave a pay increment which puts my wife and me just a couple of hundred of dollars over the salary ceiling for BTO. Can I still appeal and has anyone in my circumstances successfully appealed to HDB before?

You have a nice problem which many of us would be happy to swap with you haha!
Seriously though, I believe you should have reasonable chance of success through an appeal as the increment just took effect only but as some bros mentioned perhaps lodging appeal through MP would stand a better chance I guess, good luck!!

Edited by Spring, 17 January 2016 - 06:53 PM.

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#9

Posted 17 January 2016 - 07:12 PM

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Was planning to get a 5-room BTO this year as my current flat will MOP soon. Was thinking that the new income ceiling came in just nice... until my boss just suddenly gave a pay increment which puts my wife and me just a couple of hundred of dollars over the salary ceiling for BTO. Can I still appeal and has anyone in my circumstances successfully appealed to HDB before?

 

Appeal, i did.

 

Went to meet the people session and got a letter from the MP.


I dont know why you prefer the bto over the ec. Ec is sure make money purchase

 

It's quite a lot of $ difference.

My BIL bought a EC in woodlands, that's like high 700k.

my equivalent flat is 320k.



#10

Posted 17 January 2016 - 07:28 PM

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Buy bto can pay in full if u have a existing house

Buy ec still have to borrow money from ah long.

#11

Posted 17 January 2016 - 07:40 PM

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if it's 1st hoot property .... BTO is the best

best ROI [thumbsup]


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#12

Posted 17 January 2016 - 08:09 PM

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Was planning to get a 5-room BTO this year as my current flat will MOP soon. Was thinking that the new income ceiling came in just nice... until my boss just suddenly gave a pay increment which puts my wife and me just a couple of hundred of dollars over the salary ceiling for BTO. Can I still appeal and has anyone in my circumstances successfully appealed to HDB before?

 

Just ask your boss to delay the pay rise

 

until you buy your new place.

 

:D


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is to Simplify and
not to Multiply.

#13

Posted 17 January 2016 - 09:00 PM

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Bto is definitely better than ec, resale time sure profit
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#14

Posted 17 January 2016 - 09:33 PM

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not possible, ceiling is strict, even a cent more also will not be allowed. It happened to me before so no need to waste the effort.



#15

Posted 17 January 2016 - 09:54 PM

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Please don't fight with poor people like me for a unit in bidadari..... Go apply your ec... Hehehhe

Lol... Don't worry, I won't fight with you. Need to shift all the way to woodlands....to be near parents-in-law.

ask your boss to reduce your pay ... lol
anyway ... can try to appeal lor ... since BTO is not in huge backlog ... perhaps ... got chance

Can't... The pay increment came liao. Quite suddenly somemore.

Appeal, i did.

Went to meet the people session and got a letter from the MP.


It's quite a lot of $ difference.
My BIL bought a EC in woodlands, that's like high 700k.
my equivalent flat is 320k.

Did the MP's letter help? I agree about the price.. Makes no sense to me to pay double. Im looking to shift to woodlands and I feel that the ECs there are not attractive. Just want the space as well as proximity to parent-in-law too.

not possible, ceiling is strict, even a cent more also will not be allowed. It happened to me before so no need to waste the effort.

Even after appealing through MP?
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#16

Posted 17 January 2016 - 10:29 PM

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Lol... Don't worry, I won't fight with you. Need to shift all the way to woodlands....to be near parents-in-law.
Can't... The pay increment came liao. Quite suddenly somemore.
Did the MP's letter help? I agree about the price.. Makes no sense to me to pay double. Im looking to shift to woodlands and I feel that the ECs there are not attractive. Just want the space as well as proximity to parent-in-law too.
Even after appealing through MP?

Well it worked for me. I think no harm to try. Our reason was that all our parents were retirees and housewives. So we had to support them

#17

Posted 17 January 2016 - 10:40 PM

Bavarian

not possible, ceiling is strict, even a cent more also will not be allowed. It happened to me before so no need to waste the effort.


Income ceiling is reverse discrimination against a citizen.
I think, therefore I am.
I think so, therefore I erm...

#18

Posted 17 January 2016 - 11:12 PM

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Appeal, i did.

Went to meet the people session and got a letter from the MP.


It's quite a lot of $ difference.
My BIL bought a EC in woodlands, that's like high 700k.
my equivalent flat is 320k.

Hehe ok you looking at the cost perspective while i looking at the gain perspective which i thought for a couple that across the income level shld be able to well afford the cost.

Appeal, i did.

Went to meet the people session and got a letter from the MP.


It's quite a lot of $ difference.
My BIL bought a EC in woodlands, that's like high 700k.
my equivalent flat is 320k.

Hehe ok you looking at the cost perspective while i looking at the gain perspective which i thought for a couple that across the income level shld be able to well afford the cost.

Appeal, i did.

Went to meet the people session and got a letter from the MP.


It's quite a lot of $ difference.
My BIL bought a EC in woodlands, that's like high 700k.
my equivalent flat is 320k.

Hehe ok you looking at the cost perspective while i looking at the gain perspective which i thought for a couple that across the income level shld be able to well afford the cost.

#19

Posted 18 January 2016 - 08:14 AM

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If you first one is from HDB, gotta pay resale levy if go for bto again. If woodlands, can conaider go buy a resale jumbo. Huge compared to current HDB flats.
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#20

Posted 18 January 2016 - 09:57 AM

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Taking consideration of high family commitment and MP letter, that will help in the appeal to HDB.

During the time when I made the appeal, HBD might be well aware of the incoming rule change on the income ceiling.

Hence they allowed me to apply for the HDB BTO then.

 

Also considering the new CPF contribution ceiling raise to 6K, much of your new pay increment is not going into your wallet or OA to fund the house...

Do also consider the monthly maintenance fee (cash).

 

Btw HDB resales levy applies for both EC (launched after 9 Dec 2013) and BTO, depending on the type of your first flat.

http://www.hdb.gov.s...nal-information

http://www.phs.sg/li...ut-resale-levy/

 

Then again, this might be the last time you can get a EC from HDB.

That's my understanding as you have gotten 2 HDB and with grants.

Hence do consider well.

 

 

Cheers.




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