17 Jan '13, 3pm

My old parents buying EC

I apologise on behalf of the idiots who wrote the posts above preceding mine. When one has a question, one needs an answer. One does not need more rich-dad-poor-dad style financial advice and motherhood statements. The problem: Of the 3 of you (parents and you), only you are eligible for a loan. This is assuming you meet the debt servicing ratio with your current income. I assume that downpayment as well as loan repayment for the property is not an issue at this point, even in light of the new rules. The solution: Do a tenants-in-common purchase with your parents:- 3 separate owners, each owning a percentage share of the property. For the purpose of legacy and issues arising from legacy concerns, the three of you can decide what proportion you want your shares to be in. The above would apply to private property but I am not sure if it works for ECs as they are inherently g...

Full article: http://forums.condosingapore.com/showthread.php?p=358237#...

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