morning everyone!!
so quite a nbr staying in SK/PG area! that's good. At least it shows there is the "yuppie" area in a way, haha.
anyway, let me clarify on my house thingy, hehee.
If hit income ceiling CANNOT apply new flat...hv to buy resale but NO grant & NO HDB loan, only bank loan.
If below income ceiling CAN apply new flat or buy resale CAN have HDB loan and grants.
For me & my FH, we have already hit the ceiling income but my FH managed to get his company to hold back his increment so that we are slightlly below it right now....
his company will then give him back one lump sum (of his increment due) when we get our flat.
We dunno when the WIS will be out and dun want to wait leh...
cuz the faster we see something we like & get it, the earlier my FH can get his lump sum back (for house reno, wedding prep, etc).