my solutions to crazy HDB flats, cpfs and greying nation

[leetahbar]

maybe this would stablise hdb crazy prices
most singaporeans are asset rich but cash poor. why? our cpfs which are meant to fend for retirement and twiligiht years were craftily zapped up by ridiculously high priced hdb pigeonholes. talking about gov subsidised flats....what a big joke and a big con job!

why does gov clueless to bring down prices? they can if they want and they don't if they want too. let's talk about the don'ts.

hdb prices are like a pandora box. once opened, it's very difficult to close and hdb prices go haywire to absolute craze and frenziness. those who ve bought greed for it to go higher; those who haven't pray for it to drop or at least stablise and halt at the last price.

so there u have it: the gov is CLUELESS to resolve the problem which it didn't nip in the beginning. if they stop the prices from rising, new owners of exorbitant pigeonholes shall definitely be unhappy and they shall make lots of noise. conversely, leaving the prices to run wild (or is it the gov behind fanning the madness?), those who haven't owned a pigeonhole - the new generation planning for a new family of their own - are put into a dilemma.

then what happen to all our cpfs? are the life savings still there when twilight years are reached? NO! absolutely not!! what's there is an overpriced "subsidised" gov pigeonhole which price is getting higher but size is getting smaller.

million dollars paid minister seems clueless. well, perhaps my suggestion may come in handy.

step 1. STOP THE SPECULATION.

once a family bought a flat and after staying some years decide to
sell, the only buyer would be buying back is the gov. then the gov resells it adding a nominal processing and legal fees. no obscene profits involved, hence no more speculation and easy money made. of course, such would only be restricted to purely singaporeans. no PRs'entitlements to such non-profitable transaction.

HOW TO RETRIEVE OUR CPF

most of our cpf money would still be tied down by the pigeonhole. here's a simple solution.

gov should build smaller and cheaper flats for home owners to consider when they age. example: if mr A now at 36yo sets up family with 2 kids and 20 or 30 yrs later, his kids would ve grown, married and resettled in newly hdbs or remain single or most probably mr A would be left living with his wife. if he is living in a 5 or 4 rooms flats, by then, the flat would be too excessive to him. he could consider an exchange program with hdb. he sells his flats to hdb, get back the money he used from cpfs and buy a smaller "senior-folk-flats" from hdb. SFF unit would be smaller and much cheaper with shorter lease of say, 30yrs. hdb deducts the amount from the sale price, refund mr A who would then be financially independent with the cpf money to live on.

in the event of both couple passed on, the SFF should be resold to HDB to be recycled to the next qualified senior folks. the money derived from SFF should then be refund to the children of the demised mr A.

this could probably also solve the greying problem of singapore and put a full stop to crazy hdb flats speculation. of course, the finer details, the minister would ve to work it out. he's the one getting the million $ pay, not me. and yes, if it's a good workable plan, he should reward me with some honararium.

this principle of the plan is 4 folds:

1. stop speculation
2. free up oversize flat that later is irrelevant to the number of occupants especially aged owners who children would ve by then left the roost.
3.provide a suitable sized hdb flats with shorter lease to the aged owners and free up the money tied by his original bigger flats. he now has a roof over him and money to see him through his twilight years.
4. refund what money accrued from Senior-folks-flats (SFF) back to demised owner's family or children.

with that hdb would have successfully done its part instead of turning subsidised gov flats into a greed instrument causing so much undue stress and anxiety to all singaoreans.

 

[leetahbar]

from my li'l brother leetahsar's blog. he crazy or what?

http://mylongwindpage.blogspot.com/2011/07/maybe-this-would-stablise-hdb-crazy.html

 

[BusNo64]

oi tua bui cheebye kia bob sim kheng hwee, why dont u get a job instead of writing stories here and beating ur dad and scolding ur mom laucbeehye?

 

[leetahbar]

pop your pill, go n zzzz

 

[Papsmearer]

this principle of the plan is 4 folds:

1. stop speculation
2. free up oversize flat that later is irrelevant to the number of occupants especially aged owners who children would ve by then left the roost.
3.provide a suitable sized hdb flats with shorter lease to the aged owners and free up the money tied by his original bigger flats. he now has a roof over him and money to see him through his twilight years.
4. refund what money accrued from Senior-folks-flats (SFF) back to demised owner's family or children.

with that hdb would have successfully done its part instead of turning subsidised gov flats into a greed instrument causing so much undue stress and anxiety to all singaoreans.

Seriously, what kind of crap solutions are u proposing? Your so called solutions depends on the HDB to do this and do that. When u rely on an org. like the HDB to perform activity for your solution, u might as well cut your throat, because that is not going to happen. If your solution is not controlled by you, but dependent on someone else, that is no solution. U want solution? very simple, just go to the Living in JB thread. THat is your solution right there. Sell your flat, buy freehold property at 1/4 price, move there, commute to singapore. SImple as that.

 

[depeche]

The Gov is not clueless about the problems, they just wanted it that way to trap the people from running away or being lazy(must work till you die)!

 

[leetahbar]

hdb is a gov NON-PROFITABLE organisation to solve citizens' public housing problems. during my era, hdb's prices were rather steady and easily bought and paid for unlike now, it's like serving all citizenry a life-sentence of labour which in the end defeats the purpose of cpf.

my proposal and solution would be HDB acts as a middleman to buy back and re-sell flats and charges a nominal fees for such transaction. in a way like recycling flats and providing occupants the relevant sizes and leasehold according to their needs and their relevant ages. many senior folks are now living in an oversize flats when most or all of their children have already deserted the roost. hdb should make a house-call check to realise such a wastage.

living in JB is a good solution but why should we as singaporean migrate to such place where it's plagued by muggers and crimes? u wanna go live there and have ur life immaturely shortened?

 

[BusNo64]

.................

:oIo:

 

[BusNo64]

Bob Sim Kheng Hwee aka leetahbar look for love here........wat a sadfuck! :oIo:

http://www.singaporelovelinks.com/en/profile/showProfile/ID/44790

 

[BusNo64]

parent-basher Bob Sim Kheng Hwee aka leetahbar admiring his little brownish dick.. :oIo:

 

[Sperminator]

This proposal looks interesting.

However, when dealing with a market in terms of property, I would agree with PAPSMEARER. It's not a good idea to depend on HDB. This gives defacto power to HDB, and they rule our asses if we do it that way.

At the end of the day, I think it is the multi-million dollar Ministers that are not doing their job.

The Minister in charge of HDB should be fired once they cannot control the prices of the HDB pigeon hole.

The purpose of HDB is to have affordable housing for Singaporeans, and now they become a profitable entity, which is against their initial enactment during the days of the colonial days.

I would rather vote out the PAP, and hope that in the next election, there would be at least more than 33% seats for opposition party, best case scenario to have more than 50% seats for opposition, and they can form up a coalition government.

Let these member of parliament sought it out in parliament.

In this way, we the people of Singapore will have true representative of the people's voice.

And another way to consider is, instead of having 99 years, why not make the property 999 years, so that the properties are truly an asset, rather than a loaned home... this can really make the HDB pigeon owners have a sense of ownership.

right now in Singapore, everyone is just like a slave to their HDB pigeonhole, their cars, their debts, etc... and i do agree that it is by design to lock all singaporeans, so that they cannot run away.

my 2 cents worth.

 

[leetahbar]

oh from my li'l brother leetahsar's facebook. alfred torres wong?

 

[BusNo64]

oh from my li'l brother leetahsar's facebook. alfred torres wong?

 

[leetahbar]

This proposal looks interesting.

However, when dealing with a market in terms of property, I would agree with PAPSMEARER. It's not a good idea to depend on HDB. This gives defacto power to HDB, and they rule our asses if we do it that way.

At the end of the day, I think it is the multi-million dollar Ministers that are not doing their job.

The Minister in charge of HDB should be fired once they cannot control the prices of the HDB pigeon hole.

The purpose of HDB is to have affordable housing for Singaporeans, and now they become a profitable entity, which is against their initial enactment during the days of the colonial days.

I would rather vote out the PAP, and hope that in the next election, there would be at least more than 33% seats for opposition party, best case scenario to have more than 50% seats for opposition, and they can form up a coalition government.

Let these member of parliament sought it out in parliament.

In this way, we the people of Singapore will have true representative of the people's voice.

And another way to consider is, instead of having 99 years, why not make the property 999 years, so that the properties are truly an asset, rather than a loaned home... this can really make the HDB pigeon owners have a sense of ownership.

right now in Singapore, everyone is just like a slave to their HDB pigeonhole, their cars, their debts, etc... and i do agree that it is by design to lock all singaporeans, so that they cannot run away.

my 2 cents worth.

if there's anyone who can prove with solid evidence backing that hdb has all along abused it's credibility to held all singaporeans ransom as slave beholden to the pigeonholes and that hdb more direct motive is to zap dry every cent from our cpf saving leaving us devoid of a decent livelihood when one hits retirement, the whole pap bureaucry shall fall apart!

my solution deals direct with the problems and avoid the involvement of the element of GREED. only when ridding GREED, can hdb be proudly proclaim that they are truly subsidising decent priced flats for the citizen. if not they are just endorsing and encouraging the speculation from behind the scene and then wayang they are trying to bring the prices down.

all these then are faked!!

the ultimate aim would be to control singaporeans' live by artificially jacking up or allowing hdb prices to spiral up and without any real control.

 

[leetahbar]

why is ALFRED TORRES WONG now missing from bob sim's friends' list? can bus64 please answer.

 

[Sperminator]

you've pointed out the keyword to the whole problem, GREED.

Yes, we've been witnessing HDB getting greedier over the decades... because we have greedy Multi-Millionaire Ministers who are not working hard on solving the problems.

I don't think the problem lies with HDB, this is just a organisation following orders.

The problem lies with the Minister steering HDB policies.

And so, in order to solve the HDB rising cost (which is the key to the problem), besides, it is not so easy to practice your proposal, as there will be too many problems to coordinate, and argue about, how about keeping the entire process simple, and easy, by keeping the HDB prices affordable, and only for Singaporeans.

And best is to vote out the HDB minister who is doing a lousy job 5 years from now... KNN, we should have 33% seats of opposition this year, but too many mother fucking pussies in Singapore!

 

[leetahbar]

SPECULATION is the key issue here and hdb is allowing it!

if bought hdb flats are re-sold back to hdb and then replace with another smaller, bigger or relevant sized unit, hdb needs to pro rata the differences. say, if u r returning a bigger unit and want to replace it with a smaller one, then obviously there would be surplus of money refund to u. so say if the flats were bought at 150k base on a 4 rm then return in exchange for a 3 rm of maybe base price of 100k, the difference of 50k is refund to the owner. if the owner would further downgrade to a one rommer, then again more money would be refunded.

in the end, he would still have a relevant sized hdb to live in and money to spend for retirement.

and if he were to pass away, hdb could retrieve back the unit and refund balance money to the children. all these there would be a nominal fees to be paid.

the beauty here is the cpf is transferred to hdb in exchange for the flats and when the flats is returned, hdb refund the money (with some interests if they are really generous) back to the flat owner.

the catch here is the agents who earn a bundle in between such transaction are made redundant saving alot of money for bothe the owner and hdb.

prices transacted are then vary very insignificantly. speculation is definitely absent here. if that's absent, there is no reason why greedy flat owners would have chances to profiteer from gov subsidised flat. that would be a true authentic subsidy equivalent to what hdb first set out to solve public housing problem.

the catch here is only sgporeans qualify. PRs would have to be dealt with a different scheme using maybe the principle of public hospitalisation style of payment or lesser or no subsidies.

this way cpf money could be free back to us and we still hv a roof over our heads. prices stablise and many would hv lesser finance problems and stress in owning their flats. they could then concentrate on other more important issue such as forming a family nucleus and start breeding like rabbits to curd the negative population growth.

solve one main problem, the rest of other problems would follow suit solving themselves.

why paps is slow to do that is probably one main big motive:

to keep sgporeans anxious, apprehensive and fully at their mercy so that they could be voted again in the next GE. if not with their obscene pays, after so many donkey years, nothing concrete seem to be done.

 

[Papsmearer]

hdb is a gov NON-PROFITABLE organisation to solve citizens' public housing problems. during my era, hdb's prices were rather steady and easily bought and paid for unlike now, it's like serving all citizenry a life-sentence of labour which in the end defeats the purpose of cpf.

my proposal and solution would be HDB acts as a middleman to buy back and re-sell flats and charges a nominal fees for such transaction. in a way like recycling flats and providing occupants the relevant sizes and leasehold according to their needs and their relevant ages. many senior folks are now living in an oversize flats when most or all of their children have already deserted the roost. hdb should make a house-call check to realise such a wastage.

living in JB is a good solution but why should we as singaporean migrate to such place where it's plagued by muggers and crimes? u wanna go live there and have ur life immaturely shortened?

U are living in the past. Once upon a time, the mandate for the HDB was to provide affordable housing. That changed 20 years ago, its a profit based org. now. They are not interested remotely in any of your fantasy proposals that will reduce their ability to make money. Therefore, your so called solutions does not have an even remote chance of success. Better to call them fantasies instead of solutions.

 

[Papsmearer]

if there's anyone who can prove with solid evidence backing that hdb has all along abused it's credibility to held all singaporeans ransom as slave beholden to the pigeonholes and that hdb more direct motive is to zap dry every cent from our cpf saving leaving us devoid of a decent livelihood when one hits retirement, the whole pap bureaucry shall fall apart!

my solution deals direct with the problems and avoid the involvement of the element of GREED. only when ridding GREED, can hdb be proudly proclaim that they are truly subsidising decent priced flats for the citizen. if not they are just endorsing and encouraging the speculation from behind the scene and then wayang they are trying to bring the prices down.

all these then are faked!!

the ultimate aim would be to control singaporeans' live by artificially jacking up or allowing hdb prices to spiral up and without any real control.

What you mean provide solid evidence? Are u blind? Its all around you, the HDB has zero credibility now.

Cheap Land (expropriated for pennies on the dollar) + Cheap Materials + Cheap labour + Standard ARchitetural plans + Cheap Construction financing (via CPF money) = EXpensive flats $300K plus?

U need more evidence than this?

 

[leetahbar]

U are living in the past. Once upon a time, the mandate for the HDB was to provide affordable housing. That changed 20 years ago, its a profit based org. now. They are not interested remotely in any of your fantasy proposals that will reduce their ability to make money. Therefore, your so called solutions does not have an even remote chance of success. Better to call them fantasies instead of solutions.

hdb has deviated from its original honest to goodness cause. it's gov agency. how can pap turn every gov agency into a money spinner? that surely would be national LEEgal corruption in the highest level.

but then again, is there any solid hard evidences to substantiate it and make it a case of CITIZENS VS THE GOV.