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Scoping is the process used to determine the appropriate contents of an Environmental Impact Statement (EIS). Public participation is an integral part of scoping. The first scoping step is to announce to the public, by a Federal Register notice and press releases, that an EIS will be prepared and to ask for comments about what should be included. We may also hold one or more public meetings in communities that might be affected if leasing, exploration, or development were to occur. The purpose of soliciting input is to identify relevant issues, alternatives, mitigation measures, and analytical tools so that they can be incorporated into the EIS.

Getting input from as many affected and interested parties as possible is an important part of preparing an EIS. These usually include:

An important objective of scoping is to identify specific elements of the environment that might be affected if the proposal is carried out. If we determine that there might be significant impacts associated with a concern that is raised during scoping, it is analyzed in detail in the EIS. For OCS activities, environmental concerns that commonly arise include:

Based on the information received during the scoping effort and other information, such as the location of sensitive natural resources, estimates of oil and gas resources, or projected oil and gas activity, we identify alternatives to the proposal that might reduce possible impacts. In addition, any reasonable measures suggested to mitigate possible impacts are considered for analysis in the EIS.

Analytical Scenarios

After the alternatives to the proposal are determined, we develop scenarios for the proposal and each alternative. Those are the bases for the analyses of possible impacts. The scenarios for the 5-year program and lease sales are largely hypothetical because it is not known at the time what operations will actually take place. The scenarios for these EISs include information about:

The EIS scenarios for proposed development projects are more site-specific than for proposed lease sales and are based on the actual plan submitted by a company for a particular development project.

Impact Analysis

The EIS analyzes the particular environmental concerns that were identified. A separate analysis is prepared for the proposal and each alternative. The objective of the analysis is to estimate the nature, severity, and duration of impacts that might occur and to compare the impacts of the proposal and alternatives. Numerous technical aids are used in making the assessment, including ecological and socioeconomic studies sponsored by BOEM and others, and computer models that simulate the movements of accidental oil spills or air emissions from operations.

Draft EIS and Public Review

The impact analysis is first documented in a draft EIS. When the Associate Director for Offshore Energy and Minerals Management, or a higher authority, approves an EIS, BOEM headquarters staff review a pre-publication version of the draft. If approval authority for the EIS is above the BOEM Director, the Department's Office of Environmental Policy and Compliance and the Solicitor's Office also review the draft. The purpose of the review is to ensure the technical accuracy of all aspects of the document.

The draft EIS is made available to the public for a minimum of 45 days for review and comment. The availability of the draft EIS is announced in a Federal Register notice and in press releases. Copies of the document are made available to the public through our web pages, individual mailings, and repositories such as public libraries. The public may either comment to us in writing or by making oral comments at one of the public hearings that we hold in the areas most likely to be affected.

Final EIS

The principal concern in developing the final EIS is to address public comments on the draft EIS in a responsive and responsible fashion. The final EIS includes a summary of all comments and our responses. The office preparing the EIS is responsible for drafting responses. For appropriate EISs, the Department and BOEM headquarters review them for technical accuracy and adherence to policy.

After the comments on the draft EIS are reviewed, we revise the document to correct technical errors and add any relevant new information that became available since the draft EIS was published. On occasion, a new alternative or mitigation measure will be added and evaluated. A summary of the comments received on the draft EIS and our responses to those comments are also put into the document. Normally, a final EIS is made available to the public within 6 months after the comment period on the draft EIS ends. Once again, the availability of the final EIS is announced in a Federal Register notice and press releases.

As of November 2020, Google completed its rollout and notes RCS is now available in all countries across the globe. Thanks to RCS being available through Google Messages , it means you can use any of the best Android phones and aren't limited to just using a Pixel.

To be able to upgrade to a condo or landed property from your HDB flat, you need to have completed the Minimum Occupation Period (MOP) for your HDB flat.  Typically, you need to have been living in your HDB flat for a minimum period of 5 years before you can upgrade to private property.  The MOP is the minimum number of years you need to have physically occupied your HDB flat before you can buy a private property or sell the HDB.

If at least one of the owners of your HDB is a Singapore citizen, then you can keep the HDB and also the condominium that you intend to buy next.  Provided that your eligibility is not a concern, your ability to keep the HDB flat or the need to sell it before upgrading will depend on your finances.

You can withdraw up to a maximum of 100% of the condo’s Valuation Limit (VL) from your CPF Ordinary Account (Valuation Limit = The lower of the market value or the purchase price of the property).  Example: let’s say the condo you want to purchase has a market value of $1,005,000 and the price you purchased it for is $1,000,000.  So you can withdraw up to $1,000,000 from your CPF Ordinary Account.  You need to set aside a Basic Retirement Sum (BRS) in your CPF, before being allowed to withdraw any money for the condo purchase.

What this means is that you need to keep a certain amount of money in your combined CPF accounts, and can only withdraw the amount in excess of that.  Example: let`s say you turn 55 years old in 2019, your BRS is $88,000 as per CPF’s site.

Example: you can withdraw up to 100% of the market value or the purchase price of the property (to pay for the house) from your CPF Ordinary Account (OA), whichever is lower. If the Valuation Limit (VL) is $1,000,000, that means the total you can withdraw from CPF OA is $1,000,000 of the house price. After this amount is reached, you will need to pay cash for your HDB flat.

Valuation Limit (VL) is a number that will hit you further down the road. For example, you buy a $1,000,000 property, and you borrow 75% loan-to-value, $750,000.

As you have to pay interest on the loan, the total interest over the next 25 to 30 years may add up to 30-40% of the loaned amount. Let’s just say it is $400,000. This means that the total withdrawal is $750,000 + $400,000 interest incurred from banks, that is $1,150,000.

Once the CPF OA withdrawal reaches $1,000,000 (in the case where VL = 100%), you will no longer be allowed to draw on the CPF OA anymore. The remaining installment

if you sell your HDB first Furthermore, when buying your condo, you will be allowed to withdraw up to 120% of the Valuation Limit of the condo (Valuation Limit) is the lower of your condo’s market value and purchase price) instead of 100%.

When you sell your HDB before upgrading to a condo, the proceeds from the sale of the flat will be used to pay off the outstanding HDB loan amount.  In the case where the sale price of the HDB flat does not cover the full outstanding loan amount, you need to pay the balance in cash.  If you’ve already paid off the loan on your HDB flat, it doesn’t matter whether you sell the HDB first or buy a condo first as you will be able to borrow the maximum possible @ 75% (provided your income supports it).

Caution: You do have to pay Additional Buyer Stamp Duty if you have not yet sold your HDB, when you buy the Condominium.

If your HDB flat is fully paid, you choose to buy Condo first before selling your HDB flat, you will be faced with the following: –

Additional buyer stamp duty (ABSD) – You will need to pay for this first. If you sell your HDB flat within 6 months, then you may claim this ABSD back from IRAS, subjected to IRAS approval.

Assuming your HDB flat’s loan is not yet paid off, it matters whether you buy your condo first or sell your HDB first. Then the loan-to-value will be 45% of the property price. That means the their downpayment will be 55% from CASH + CPF OA.

For purchase, the maximum age is based on age cap at 65 years old. Your loan tenure will be 65 minus your current age (weighted-income average age).

If you were to take a loan for buying a condominium in Singapore, the maximum loan amount you can take is subject to TDSR restrictions, meaning that even if the LTV for your bank loan is high, the amount of money you can get as a loan depends on your income.

It does not matter how many fully paid properties your grand father passed on to you and which you fully owned.

The new financing regime is no longer “asset based” but rather “income based”. This means that unless you can service the loan from your income sources, your loan will be reduced where bank housing loans are concerned.

For example, suppose a couple who want to upgrade to a condominium is currently servicing two debts – their car loan and their credit cards and assuming they are young enough to get a 25 year loan tenure,  the amount they can borrow from the bank including interest is will be will be calculated to a certain amount.  This is called the “principal loan amount.

If you want to upgrade hdb to condo, you may want to check If there is an Upgrading Programme is undertaken in a block, the residents have to pay the Upgrading Programme’s Costs.  If a particular Upgrading Programme’s bill was issued while you were the owner of the flat, you still have to pay for the Upgrading Programme’s Costs before selling the HDB.

Following the previous point, if you live in an HDB unit that went through an Upgrading Programme, you would have to pay an Upgrading Levy upon selling the flat.  If your unit was Upgraded, you will have to pay an Upgrading Levy of 10% of the selling price or 10% of 90% of the market value of your flat, whichever is higher.

You should also find out about resale levy and how it works in case you have taken some of the grants.

Barring exceptional cases, you need to have completed your MOP before you can buy a condo or sell your HDB.  Irrespective of whether you keep your HDB flat or sell it, you need to pay a Buyer’s Stamp Duty (BSD) when you buy a condo.  You should find out everything there is to know about Buyer’s Stamp Duty (BSD). You should also find out everything there is to know about Additional Buyer’s Stamp Duty (ABSD).

This is a non-refundable administrative fee for the submission of the HDB resale application.  If you are using HDB lawyers for your sale, you can estimate the legal fee using the Legal Fee Enquiry service on HDB`s website, which estimates your legal fees based on the type of your HDB (i. e.  2-Room, 5-Room, etc.), and the selling price.  You would need to hire private lawyers for your condo purchase which would typically cost you a few thousand dollars depending on the law firm you’re hiring.  Service & Conservancy Charges / Maintenance Fee Service and Conservancy Charges are charges for the maintenance of the common facilities in your HDB block.  You must pay the service and conservancy charges for your HDB flat up to the HDB sale completion appointment date.

You can usually find your IBAN by logging into your online banking, or checking your bank statement. You can also use the tools on this site. It's important to remember that an IBAN being in the right format isn't guarantee that it exists.

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