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HDB rental flat price in Singapore: How much you need to earn to afford different flat types (2022)

HDB rental flat price in Singapore: How much you need to earn to afford different flat types (2022)

新加坡組屋租賃公寓價格：你需要賺多少錢才能買得起不同的公寓類型(2022)
Yahoo Finance ·  2022/08/02 20:00

Rising HDB rental flat prices and demand (well, the booming rental market in Singapore, generally) have been making the headlines in 2021 and 2022.

2021年和2022年，不斷上漲的組屋租賃公寓價格和需求(嗯，總體上是新加坡蓬勃發展的租賃市場)一直是頭條新聞。

Apart from increased demand for condo rentals as Singapore's borders reopen for expatriates, we also saw robust local demand for HDB rentals. This is likely due to HDB BTO construction delays in the past year, and more young Singaporeans moving out as they crave more space and independence from their parents.

除了隨着新加坡邊境對外籍人士重新開放，對公寓租賃的需求增加外，我們還看到當地對組屋租賃的強勁需求。這很可能是因為過去一年組屋項目的建設延誤，以及越來越多的新加坡年輕人因為渴望更多的空間和獨立於父母而搬出去。

Nonetheless, despite rising HDB rental prices did not dampen demand for individuals, couples, and families looking to rent and have their own space. The question is, how much do you need to earn to afford to rent an HDB flat?

儘管如此，儘管組屋租金上漲，但對個人、夫婦和希望租房並擁有自己空間的家庭的需求並未減弱。問題是，你需要賺多少錢才能租得起一套組屋？

Let's look at the HDB rental rates in Singapore and how much monthly salary is required to afford different flat types:

讓我們來看看新加坡組屋的租金，以及負擔不同類型公寓所需的月薪：

HDB Rental Transactions: How Much Are Current HDB Flat Rental Prices?

組屋租賃交易：目前組屋單位租金是多少？

If you're planning to rent an HDB flat, you'll need to know the market HDB rental rates first. We've done a quick compilation of the median HDB rental prices for 3, 4 and 5-room flats in Singapore, based on the HDB rental transaction data published on HDB's website.

如果你打算租一套組屋，你首先需要知道組屋的市場租金。我們根據房屋發展局網站上公佈的房屋發展局租金交易數據，快速編制了新加坡3、4和5個房間的房屋發展局租金中值。

Median HDB Rental Flat Prices (Q2 2022)

房屋及建屋局租金單位價格中值(2022年第二季度)

Towns

1-room

2-room

3-room

4-room

5-room

Executive

Ang Mo Kio

–

*

$2,000

$2,400

$2,650

*

Bedok

–

*

$2,000

$2,400

$2,600

*

Bishan

–

–

$2,200

$2,600

$2,800

*

Bukit Batok

–

*

$1,900

$2,400

$2,450

*

Bukit Merah

*

$1,800

$2,200

$2,900

$3,000

–

Bukit Panjang

–

*

$1,700

$2,300

$2,500

*

Bukit Timah

–

*

*

*

*

*

Central

–

*

$2,350

$3,050

*

–

Choa Chu Kang

–

*

$2,050

$2,200

$2,450

$2,650

Clementi

–

–

$2,200

$2,700

$2,870

–

Geylang

–

*

$1,950

$2,400

$2,700

*

Hougang

–

*

$1,900

$2,200

$2,500

$2,630

Jurong East

–

*

$2,000

$2,350

$2,750

*

Jurong West

–

*

$1,930

$2,400

$2,500

$2,700

Kallang/Whampoa

–

*

$2,130

$2,700

$2,950

*

Marine Parade

–

–

$2,200

$2,430

*

–

Pasir Ris

–

*

*

$2,300

$2,400

$2,780

Punggol

–

*

$2,330

$2,500

$2,300

*

Queenstown

–

*

$2,300

$2,900

$3,200

*

Sembawang

–

*

*

$2,200

$2,400

$2,250

Sengkang

–

*

*

$2,300

$2,400

$2,500

Serangoon

–

*

$2,100

$2,500

$2,700

*

Tampines

–

*

$2,150

$2,350

$2,500

$2,700

Toa Payoh

–

*

$2,000

$2,600

$2,850

*

Woodlands

–

*

$2,000

$2,300

$2,400

$2,500

Yishun

–

*

$1,950

$2,250

$2,400

$2,400

城鎮

1個房間

2個房間

3個房間

4個房間

5個房間

執行人員

昂莫喬

–

*

$2,000

$2,400

$2,650

*

貝多克

–

*

$2,000

$2,400

$2,600

*

璧山

–

–

$2,200

$2,600

$2,800

*

武吉巴托克

–

*

$1,900

$2,400

$2,450

*

武吉梅拉

*

$1,800

$2,200

$2,900

$3,000

–

武吉潘江

–

*

$1,700

$2,300

$2,500

*

武吉提瑪

–

*

*

*

*

*

中環

–

*

$2,350

$3,050

*

–

喬亞·楚康

–

*

$2,050

$2,200

$2,450

$2,650

克萊門蒂

–

–

$2,200

$2,700

$2,870

–

格朗

–

*

$1,950

$2,400

$2,700

*

後港

–

*

$1,900

$2,200

$2,500

$2,630

句容東

–

*

$2,000

$2,350

$2,750

*

句容西

–

*

$1,930

$2,400

$2,500

$2,700

加朗/黃埔

–

*

$2,130

$2,700

$2,950

*

海軍陸戰隊閲兵

–

–

$2,200

$2,430

*

–

帕西爾·里斯

–

*

*

$2,300

$2,400

$2,780

蓬古島

–

*

$2,330

$2,500

$2,300

*

皇后鎮

–

*

$2,300

$2,900

$3,200

*

三巴旺

–

*

*

$2,200

$2,400

$2,250

僧康

–

*

*

$2,300

$2,400

$2,500

Serangoon

–

*

$2,100

$2,500

$2,700

*

坦皮涅斯

–

*

$2,150

$2,350

$2,500

$2,700

多阿巴約

–

*

$2,000

$2,600

$2,850

*

林地

–

*

$2,000

$2,300

$2,400

$2,500

益順

–

*

$1,950

$2,250

$2,400

$2,400

Sources: HDB Rental Statistics, HDB Market Rental Rates

資料來源：組屋租金統計、組屋市場租金

*Median rent is not shown as there are fewer than 20 HDB rental transactions for the location and flat type in the quarter.

*租金中位數沒有顯示，因為該季度有關該地點和單位類型的組屋租金交易不到20宗。

What Are the HDB Rental Rates by Flat Type?

按單位類型劃分的組屋租金是多少？

Putting it all together, the above HDB rental transaction data suggests the following HDB rental flat prices:

綜上所述，上述組屋租金交易數據顯示了以下組屋租金單位價格：

HDB Rental Flat Price Range by Flat Size (Q2 2022)

房屋及建屋局租金單位面積範圍(2022年第二季度)

HDB Flat Type

Monthly Rental

3-Room

$1,700 to $2,350

4-Room

$2,200 to $3,050

5-Room

$2,300 to $3,200

HDB扁平型

月租

3個房間

1700美元至2350美元

4個房間

2,200至3,050美元

5個房間

2,300至3,200美元

In general, these are the range of prices you're looking at if you want to rent an entire HDB flat.

一般來説，如果你想租一套完整的安居房，這些都是你要考慮的價格範圍。

The lower end of the range typically applies to flats in 'ulu' or non-mature estates (such as Woodlands or Bukit Panjang), while HDB flats in mature or central estates (like Toa Payoh and Kallang/Whampoa) command top dollar.

價格區間的低端通常適用於“烏魯”或未成熟屋苑(如伍德蘭或武吉潘江)的單位，而建於成熟屋苑或中央屋苑(如大巴瑤和加朗/黃埔)的組屋單位售價最高。

Do note that newer developments or those close to amenities such as choice primary schools, MRT stations or bus interchanges might be pricier.

請注意，較新的開發項目或靠近高檔小學、地鐵站或公共汽車交匯處等便利設施的項目可能會更貴。

Armed with these HDB rental rates, you can now decide which estate and what flat type would best suit your rental budget.

有了這些組屋租金，你現在就可以決定哪個樓盤和什麼公寓類型最適合你的租金預算。

What Makes Some HDB Flat Rental Prices Higher?

是什麼讓一些組屋單位的租金更高？

The compiled HDB rental transactions show us that demand for HDB flat rental units is on the rise. But are there certain factors that influence HDB rental prices across the island?

編制的組屋租賃交易顯示，對組屋單位租賃單位的需求正在上升。但是，有沒有某些因素會影響全島的組屋租金呢？

In the past, high HDB rental flat prices may have been closely linked to central locations. But these days, location is becoming less of a defining factor.

在過去，高價的組屋租賃公寓價格可能與中心位置密切相關。但如今，地理位置正變得越來越不是決定性因素。

Property agents Asyraf Azman (PropNex Realty) and Andrew Nair (ERA Realty Network) both observed HDB rental prices increasing across almost all districts.

房地產經紀人Asyraf Azman(PropNex Realty)和Andrew Nair(ERA Realty Network)都觀察到幾乎所有地區的HDB租金都在上漲。

"No longer is it just limited to districts closer to the CBD, even the heartlands have seen a price increase," shares Asyraf. Andrew agrees, highlighting that he's also seen rising HDB rental prices in suburban areas like Woodlands, Ang Mo Kio, and Tampines. He also notes that HDB flats near the MRT are seeing "the greatest jump".

Asyraf分享道：“它不再侷限於更靠近中央商務區的地區，就連中心地帶的房價也出現了上漲。”安德魯對此表示同意，他強調，他也看到了伍德蘭茲、昂莫喬和坦皮內斯等郊區組屋租金的上漲。他還指出，捷運附近的組屋正經歷“最大幅度的躍升”。

When it comes to the most popular unit types, 4-room and 5-room flats are dominating the HDB rental market. These have three bedrooms, which is a good size for families. According to Cedric Lim from PropNex Realty, even though these are the bigger and more expensive HDB flats, there is still a market for them as private properties of similar sizes are going for twice the price.

當談到最受歡迎的單元類型時，四室和五室公寓主導着組屋租賃市場。這些房子有三間卧室，對於家庭來説，這是一個很好的尺寸。PropNex Realty的Cedric Lim表示，儘管這些是更大、更貴的組屋公寓，但它們仍然有市場，因為類似面積的私人房產的價格是原來的兩倍。

HDB Rental Rates Aside, What Are the Other Costs of Renting?

撇開組屋的租金不談，租房的其他成本是什麼？

It's one thing to be able to afford the rent, but there are some 'unseen' costs you'll need to budget for.

付得起房租是一回事，但還有一些看不見的成本需要你做預算。

For a start, remember to factor in agent fees (if any) and other costs like stamp duty and so on. You might also need to pay a deposit to your landlord when you begin your rental contract (and when your lease ends) – and do read all the terms and conditions carefully.

首先，記住要考慮代理費(如果有的話)和印花税等其他成本。當你開始你的租賃合同(以及你的租賃結束時)時，你可能還需要向你的房東支付押金--並仔細閲讀所有條款和條件。

Also, your rental tenancy agreement may or may not cover repairs, so you might need to fork out your own cash to fix stuff (do seek approval from your landlord first). On that note, you might also want to consider insurance. While it's not compulsory, getting a renter's insurance that covers your personal belongings would be wise.

此外，你的租賃協議可能包括也可能不包括維修，所以你可能需要支付自己的現金來修理東西(一定要先徵得房東的批准)。在這一點上，你可能還想考慮保險。雖然這不是強制性的，但購買承租人的保險覆蓋你的個人物品將是明智的。

Finally, there's moving out and living on your own for the first time. If you previously lived with your parents, it can be a shock to learn how much all these regular costs add up:

最後，你要搬出去，第一次獨自生活。如果你以前和父母住在一起，知道所有這些常規費用加在一起會讓你大吃一驚：

  • WiFi

  • Utilities (water, electricity, gas)

  • Food and groceries

  • Video streaming (Netflix, Disney+, etc) 

  • Other day-to-day costs

  • WiFi

  • 公用事業(水、電、氣)

  • 食品和雜貨

  • 視頻流(Netflix、Disney+等)

  • 其他日常費用

For example, now that you're living on your own, you cannot 'leech' off – erm, share – your family's WiFi, utilities or air-con. Unless you want to rely solely on your mobile data, you'll need to sign up for a WiFi plan, pay your utilities and electricity bills, air-con servicing, or even buy your own food (if you're from a household that cooks daily). If your family used to watch Netflix together, you might need to upgrade your account to support concurrent users or get your own video streaming service.

例如，現在你一個人住，你就不能把家裏的WiFi、水電費或空調“搶”走、共享。除非你想完全依賴你的移動數據，否則你將需要註冊WiFi計劃，支付你的水電費和電費，空調維修，甚至自己買食物(如果你來自一個每天做飯的家庭)。如果你的家人過去經常一起看Netflix，你可能需要升級你的賬户，以支持併發用户或獲得你自己的視頻流服務。

Don't forget to factor in your usual day-to-day costs, such as eating out, going to the doctor, shopping, transport, and so on. Especially for transport, if your new home is further away from your school/work/kids' schools, you might need to factor in additional costs.

別忘了把日常開銷也算進去，比如外出就餐、看病、購物、交通等等。特別是在交通方面，如果你的新家離你的學校/工作單位/孩子的學校更遠，你可能需要考慮額外的成本。

How Much of Your Income Should You Budget for HDB Rental?

你應該把你的收入中的多少預算用於組屋租賃？

To be safe, don't spend more than 40% of your income on rent. Remember to include some buffer for unexpected costs, new out-of-pocket fixed costs such as utilities and WiFi, or even some furniture and indoor plants to spruce up your new living quarters. Ideally, you should spend only a third (but we know rental prices are sky-rocketing, so we say, maybe cut back on your daily expenses. After all, something's gotta give).

為了安全起見，不要把收入的40%以上花在房租上。記住，包括一些緩衝的意外費用，新的自掏腰包固定費用，如水電費和WiFi，甚至一些傢俱和室內植物，以美化你的新生活區。理想情況下，你應該只花三分之一(但我們知道租金飛漲，所以我們説，也許可以削減你的日常開支。畢竟，有些東西是要放棄的)。

Even if you feel you can spend more than 40% of your income on rent, it's better to play it safe. It's smart to keep the remainder for emergencies, and the rest goes towards your day-to-day spending, investments, and/or 'treat yourself' purchases.

即使你覺得你可以把收入的40%以上花在房租上，但最好還是謹慎行事。明智的做法是留着剩餘的錢以備不時之需，剩下的錢則用於日常消費、投資和/或“款待自己”的購物。

Also, this 40% should be calculated against your take-home income; so if your salary is $5,000 a month, this means you have $4,000 take-home income a month, and you can spend up to $1,600/month on rent.

此外，這40%應該根據你的實得收入計算；因此，如果你的月薪是5000美元，這意味着你每個月有4000美元的實得收入，你可以每月花費高達1600美元的房租。

Effectively, this means an individual can only afford to rent a 3-room flat in a non-mature estate like Woodlands unless shared amongst housemates or a partner.

實際上，這意味着個人只能在伍德蘭茲這樣的非成熟地產租得起一套三室公寓，除非與室友或伴侶合租。

How Much Do You Need to Earn to Afford Current HDB Rental Rates in 2022?

你需要賺多少錢才能在2022年負擔得起目前的組屋租金？

Going back to the table on average HDB rental prices, let's work backwards and calculate how much you need to earn to afford to rent the various flat types.

回到房屋租賃局平均租金的表上，讓我們倒過來計算一下，你需要賺多少錢才能租得起各種類型的公寓。

HDB Rental Rates and How Much You Need to Earn

組屋租金和你需要賺多少錢

Assuming your rent is 40% of your take-home income, this is how much you should be earning:

假設你的房租是你實得收入的40%，這就是你應該賺的錢：

Type of HDB flat for rent

HDB rental rates (per month)

Take-home income needed (per month)

Gross monthly salary needed

3-Room (cheaper)

$1,700

$4,250

$5,313

3-Room (more expensive)

$2,350

$5,875

$7,344

4-Room (cheaper)

$2,200

$5,500

$6,875

4-Room (more expensive)

$3,050

$7,625

$9,531

5-room (cheaper)

$2,300

$5,750

$7,188

5-room (more expensive)

$3,200

$8,000

$10,000

供出租的組屋單位類型

組屋租金(每月)

所需實得收入(每月)

所需的月薪總額

3個房間(更便宜)

$1,700

$4,250

$5,313

三間房(更貴)

$2,350

$5,875

$7,344

4間房(更便宜)

$2,200

$5,500

$6,875

4間房(更貴)

$3,050

$7,625

$9,531

5個房間(更便宜)

$2,300

$5,750

$7,188

5個房間(更貴)

$3,200

$8,000

$10,000

According to Ministry of Manpower figures, $4,680 was the median gross monthly income from work, including CPF contributions, of full-time employed residents in 2021.

根據人力部的數據，2021年，包括中央公積金繳費在內的全職就業居民每月工作總收入的中位數為4680美元。

This works out to about $3,200 take-home income from work a month. Hence, a working individual has $1,280/month to spend on rent – which is lower than the median rental amount of a 3-room HDB unit in a non-mature estate.

這相當於每月約3200美元的工作實得收入。因此，一個有工作的人每月有1,280美元的租金--這比一個未成熟屋苑的3個房間的組屋單位的租金中值要低。

So if HDB rental flat prices are out of your budget, you'll probably need to look for cheaper units, find a housemate/partner to share the rental costs or consider renting a room instead (since HDB room rental prices are considerably lower than the rental for the entire flat).

因此，如果組屋出租公寓的價格超出了你的預算，你可能需要尋找更便宜的單元，找一個室友/伴侶分擔租金，或者考慮租一個房間(因為組屋的租金比整個公寓的租金低得多)。

Tips for Negotiating Monthly HDB Rental Rates

房屋租户月租議價小貼士

Is it possible to negotiate for a lower HDB rental rate? Yes! Before you despair, here are some strategies you can employ to push down your HDB rental flat price by a possible 10% to 15%:

有沒有可能協商出一個較低的組屋租金？是!在你絕望之前，這裏有一些策略可以讓你的住房租賃價格下降10%到15%：

1. Take Up a Longer Lease

1.租期更長

Confident that you'll be renting this unit for some time? The same principle of 'buying in bulk' to save more applies here. Negotiate a longer lease with your landlord for a cheaper base price each month.

你確信你會在一段時間內租用這套公寓嗎？同樣的原則--“大量購買”以節省更多資金--也適用於此。每月與你的房東協商一份更長的租約，以獲得更便宜的底價。

2. Compare HDB Rental Prices

2.比較組屋租賃價格

When it comes to HDB rental flat prices, it's good to cross-compare rates of neighbouring developments just in case your landlord might be overcharging you. Check for HDB rental transactions in the same development, or better still, in your exact same block.

當談到組屋租賃公寓的價格時，最好是交叉比較鄰近開發項目的價格，以防你的房東可能會向你收取過高的價格。查看同一開發項目中的組屋租賃交易，或者更好的是，在您的完全相同的街區。

HDB has a nifty HDB Rental Rates portal where you can search for the past year's HDB rental transactions by block/street. You can also check out our listings of HDB units for rent to see what other landlords are asking for (plus view the condition of the house through the pictures, etc).

HDB有一個很棒的HDB租金門户網站，在那裏您可以按街區/街道搜索過去一年的HDB租金交易。你也可以查看我們的組屋出租單位列表，看看其他房東有什麼要求(加上通過圖片查看房子的狀況等)。

3. Is the Unit Furnished?

3.設備配備齊全了嗎？

Speaking of images, our HDB for rent listings also indicate if the unit is fully furnished, partially furnished or unfurnished. A fully furnished unit will definitely command a higher HDB rental price.

説到圖像，我們的房屋租賃庫還會顯示該單元是全套傢俱、部分傢俱還是未配備傢俱。一個傢俱齊全的單位肯定會要求更高的組屋租金。

However, it's not always cheaper to rent an unfurnished HDB flat and decorate it to your liking. Make sure you calculate your furnishings budget because that gold 4-poster bed might likely tear a hole in your wallet.

然而，租一套不帶傢俱的組屋並按照你的喜好進行裝修並不總是更便宜。一定要計算你的傢俱預算，因為那張金色的四柱牀可能會在你的錢包上撕開一個洞。

Do also compare like for like; an unfurnished house should not cost the same to rent as a fully furnished unit.

也要以牙還牙；沒有傢俱的房子不應該和有傢俱的房子的租金一樣。

4. Mind Games?

4.心理遊戲？

The other tactics involve a bit of psychology – for example, some landlords/agents may relent and offer a lower price if you play 'hard to get' and don't seem enthusiastic about the unit or agree on the price from the beginning.

另一種策略則涉及一些心理因素--比如，如果你表現得很難得到，而且從一開始就對這套公寓不感興趣，或者對價格不太認同，一些房東/中介可能會心軟，給出更低的價格。

If you build a good rapport with the agent/landlord, they may also offer you a better price. It might also be helpful to name your price – after doing your homework on HDB rental transactions, of course – during the final negotiation.

如果你與經紀人/房東建立了良好的關係，他們也可能會給你更好的價格。當然，在最後的談判中，在做完組屋租賃交易的功課後，説出你的價格也可能是有幫助的。

声明：本內容僅用作提供資訊及教育之目的，不構成對任何特定投資或投資策略的推薦或認可。 更多信息
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