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Old 18-06-2013, 09:52 PM   #871
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How bout ur other spouse? As long as got 1 mth gap no pay, they consider as not continuously worked for 1 year.
no leh my partner is currently studying full time. i read that part time employment is not considered as an income? also, even though he is working part time with CPF contribution, i think no use right? less than a year also.

that means even though i would have worked 1 year in this coming august.. also no use? oh no......
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Old 18-06-2013, 09:55 PM   #872
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no leh my partner is currently studying full time. i read that part time employment is not considered as an income? also, even though he is working part time with CPF contribution, i think no use right? less than a year also.

that means even though i would have worked 1 year in this coming august.. also no use? oh no......
Yea.. May BTO 2013 will look into the employment period of jun2012-may2013.. Even though ur selection falls in aug or sept... I'm not too sure bout the part-time job.. But what the officer told me was any job taken up during full-time study will not be considered. Eg. Internship.
For me, my part-time job after grad is considered.
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Old 18-06-2013, 10:04 PM   #873
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Yea.. May BTO 2013 will look into the employment period of jun2012-may2013.. Even though ur selection falls in aug or sept... I'm not too sure bout the part-time job.. But what the officer told me was any job taken up during full-time study will not be considered. Eg. Internship.
For me, my part-time job after grad is considered.
hm.. would they be able to check if the co applicant is studying full time if we don't declare? now i'm feeling stressed if i don't get the AHG.. don't have so much cash T_T and i don't wanna miss this bto.... most ideal location for us. oh no!
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Old 18-06-2013, 10:10 PM   #874
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Hi, can anyone share how hdb calculate 12 months income? I have a job and been drawing salary for the past 1 yr. how ever, on top of that, I worked 2 months in another company as a part timer. Would my part time income be considered?
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Old 18-06-2013, 10:13 PM   #875
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hm.. would they be able to check if the co applicant is studying full time if we don't declare? now i'm feeling stressed if i don't get the AHG.. don't have so much cash T_T and i don't wanna miss this bto.... most ideal location for us. oh no!
Hmmm.. I'm not too sure, but I was asked to submit my grad cert and transcript during flat selection cos of the missing mths I had.. Give them a call.. There might be some "loophole" somewhere..
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Old 18-06-2013, 10:16 PM   #876
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Hi, can anyone share how hdb calculate 12 months income? I have a job and been drawing salary for the past 1 yr. how ever, on top of that, I worked 2 months in another company as a part timer. Would my part time income be considered?
If you are talking bout eligibility of buying a BTO, you will only be required to submit 3mth payslip of ur perm job.
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Old 18-06-2013, 10:21 PM   #877
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If you are talking bout eligibility of buying a BTO, you will only be required to submit 3mth payslip of ur perm job.
Hi bearine, was referring to AHG actually.
Thanks for your response thou
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Old 18-06-2013, 10:29 PM   #878
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Hi bearine, was referring to AHG actually.
Thanks for your response thou
For may bto, u will be required to have 1 party who had continuously worked for 1 year. Eg. If u have 2 different job, they will ask u to fill up your employment period as jun2012-aug2012 and sept2012-now. As long as there is no empty 1 mth no payslip.
And, I was told that if ur spouse worked like only mar2013-may2013, that 3mth total pay will be divided by 12mths too.
Cos of it will be proven by ur cpf statement

Last edited by bearine; 18-06-2013 at 10:45 PM..
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Old 19-06-2013, 12:09 AM   #879
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we can apply for ahg now? or when choosing unit den apply?
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Old 19-06-2013, 06:45 AM   #880
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For may bto, u will be required to have 1 party who had continuously worked for 1 year. Eg. If u have 2 different job, they will ask u to fill up your employment period as jun2012-aug2012 and sept2012-now. As long as there is no empty 1 mth no payslip.
And, I was told that if ur spouse worked like only mar2013-may2013, that 3mth total pay will be divided by 12mths too.
Cos of it will be proven by ur cpf statement
So they will take all source of income and average them. Sigh, should not have taken up the part time job on top of my full time job. Now I qualify for lower AHG. Anyway, thanks bearine ! It was informative!
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Old 19-06-2013, 08:09 AM   #881
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When is the earliest we can apply for AHG?
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Old 19-06-2013, 08:26 AM   #882
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we can apply for ahg now? or when choosing unit den apply?
When is the earliest we can apply for AHG?
I believe during the 1st appt(Selection & Booking of unit + Option Fee), you will be given the forms to apply for AHG.
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Old 19-06-2013, 10:21 AM   #883
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I believe during the 1st appt(Selection & Booking of unit + Option Fee), you will be given the forms to apply for AHG.
Yup, upon selection of the flat, the officer will print out the AHG form.
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Old 19-06-2013, 11:57 AM   #884
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Round 1 HLE Approved for $365k...
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Old 19-06-2013, 06:32 PM   #885
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Round 1 HLE Approved for $365k...
Do you know how HDB derive at this figure? My HLE $370k, but banks can loan me $500k+
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