IAmChiobu12M
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MIW say pro family want young Singaporeans come together faster form a family buy house etc.
But realities don't seem to tally with so called policies?
1. Hdb bto forever oversubscribed, getting a q number is like playing lottery. Is all about luck.
The waiting time already cost young females to not be so young then how to even achieve the have children young?
Assuming even at 25yo you set you mind to marry someone then you wanna ballot a flat. Even you are damn lucky you get it within first try, you still have to wait 4 years. Key collection you also 29 or 30yo alr?
But biology say best and optimal time to conceive is 20s?
Everything in sg don't even support this? COL, housing, work stability, employee rights, good union, parenthood perks. None is so conducive that it truly support pro family. Unless you have rich parents support or you just be irresponsible breed and allow offspring suffer?
2. Even bto is getting very expensive and pls don't bs me say a lot grant. Most people can't even qualify the grant amount of what hdb infographics like to paint it.
Price of resale is even more crazy.
And loan they also damn prudent use MSR capped at 30% income. No reassessment also the HFE. During ballot and key collection, the income sure change leh. 6 months before key collection they will check. If income up, loan amount no up. If income drop, loan amount drop.
The way they determine income for grant and loan also different, very double standard.
For grant, if A work 1 month 5k, jobless 11 months. B earn 3k work every month for 12 months. They will still take it gross income is 8k. And say you only qualify based on 8k tier grant which is very little.
But suddenly come to loan calculation, they will only consider B 3k income and ignore A 5k caz only 1 month.
Then for grant, they will consider anything in your payslip as income like allowances, stipends, commission etc. But for loan, suddenly only basic salary is used to determine loan amount.
3. Why as first time hdb buyer SC (pure local) couples need to pay for buyer stamp duty? Not cheap you know. If is 2nd time buyer or private ok la. First time bto also need pay. This additional money could have use it for the down payment already. What is there to tax??? Also not for profit but for residential use. If you say sell need pay SSD still reasonable lol.
I've only mentioned 3 points, and none is from true welfare pov or heart for us pure born and bred local citizens. Miw just want pure local become rare Pokemon at this rate is it?
But realities don't seem to tally with so called policies?
1. Hdb bto forever oversubscribed, getting a q number is like playing lottery. Is all about luck.
The waiting time already cost young females to not be so young then how to even achieve the have children young?
Assuming even at 25yo you set you mind to marry someone then you wanna ballot a flat. Even you are damn lucky you get it within first try, you still have to wait 4 years. Key collection you also 29 or 30yo alr?
But biology say best and optimal time to conceive is 20s?
Everything in sg don't even support this? COL, housing, work stability, employee rights, good union, parenthood perks. None is so conducive that it truly support pro family. Unless you have rich parents support or you just be irresponsible breed and allow offspring suffer?
2. Even bto is getting very expensive and pls don't bs me say a lot grant. Most people can't even qualify the grant amount of what hdb infographics like to paint it.
Price of resale is even more crazy.
And loan they also damn prudent use MSR capped at 30% income. No reassessment also the HFE. During ballot and key collection, the income sure change leh. 6 months before key collection they will check. If income up, loan amount no up. If income drop, loan amount drop.
The way they determine income for grant and loan also different, very double standard.
For grant, if A work 1 month 5k, jobless 11 months. B earn 3k work every month for 12 months. They will still take it gross income is 8k. And say you only qualify based on 8k tier grant which is very little.
But suddenly come to loan calculation, they will only consider B 3k income and ignore A 5k caz only 1 month.
Then for grant, they will consider anything in your payslip as income like allowances, stipends, commission etc. But for loan, suddenly only basic salary is used to determine loan amount.
3. Why as first time hdb buyer SC (pure local) couples need to pay for buyer stamp duty? Not cheap you know. If is 2nd time buyer or private ok la. First time bto also need pay. This additional money could have use it for the down payment already. What is there to tax??? Also not for profit but for residential use. If you say sell need pay SSD still reasonable lol.
I've only mentioned 3 points, and none is from true welfare pov or heart for us pure born and bred local citizens. Miw just want pure local become rare Pokemon at this rate is it?
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