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Dear Ms A T,

A HDB unit can only be subletted out after fulfilling the Minimum Occupation Period of 5years upon taking possession of the unit therefore it does not give you immediate returns for the property. In general, both 3 & 4 rooms flat are usually in good demand therefore it will depend more on the location available for your considerations. Would you instead consider a shoebox apartment that has TOP or nearing their TOP where you can see the rental returns sooner?

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Geryl LIM

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Hi there,
You can sublet the entire flat before MOP of 5 years.
You could consider newly TOP projects or new launches for passive income. I have on hands quite a number of value for money projects, priced at massive star buy promotional discounts.

Please feel free to contact me at 96659926  for a non obligatory discussion for me to better understand your requirements and specifications to be in a better position to advise you further in the most detailed and thorough manner, for me to very comprehensively chart out your financial calculations flow and for us to explore the available options and alternative.

Rest assured, I will walk you through the entire process- assisting you all the way from finding the perfect property to negotiating for the best price to post deal paperwork, to establishing financial calculations and ascertaining risks. Furthermore, since you are not liable to pay any agent fees, why not let me shoulder the stress of the technical aspects of your purchase while you savor the process!

Visit my website to view my testimonials & recent awards to gather more information on me: www.kumarrai.com

D Kumar
 +65 96659926 
ERA Associate Division Director
www.kumarrai.com
www.singapore-newproperties.com.
contactdkumarrai@gmail.com

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Hi,

You can only sublet rooms during your MOP of 5 years, and not the entire unit, hence your rental yields will be lower and you have to physically occupy the unit with the tenants. Grants wise, you will be eligible for 15K single grant if your monthly income does not exceed 5K.

If this is about investment, you may also want to explore new launches or private resale, where you may get better rental yields, which Im happy recommend since im active in the east. Thanks and hope to discuss further.

Warm regards,
Ivan ERA
 97432395 
Ivanng10@gmail.com
Www.ivanng10.com Read More

Evening A.T,

To be eligible for housing grant and HDB loan, under single scheme, you must have not sold any private residential unit within the past 30 months. The income ceiling is also capped at $5k, which will entitle first time buyers like you with $15k grant. Upon getting the keys of the unit, you are required to fulfill 5 years MOP before you are elgible to rent out the entire unit. However, Renton gout of the rooms are possible, as long as you are residing within the unit. As for location, Bedok, Tampines and East coast have their pool of tenants.

Do contact me for further discussion.

Regards
Mike Lim
 96929209 
m52i@yahoo.com
ERA Read More

Hi A.T, whether are you taking a hdb grant or not, you are still required to observe the MOP.

Regards
Aaron
 97308455 
aaronchong2774@yahoo.com.sg Read More

Hi Ms AT,
MOP is required for all HDB. Do you like to know the option from investment point of view? Please drop me an email for me to share the cost breakdown, the estimated loan quantum, the potential rental yield and property appreciation?
I can be contactable at my mobile or email.

CK Ang
 9046 3808 
res.ckang@gmail.com Read More