Doing Business in Singapore

Doing business in Singapore

Contents

Page Introduction 1 Grant Thornton in Singapore 2 Country Profile 3 Regulatory environment 7 Finance and banking 10 Imports/Export 13 Business entities 14 Labour 16 Financial reporting and audit 18 Tax 19 Contact details 26

If you are planning on doing business in

Singapore, information on the legal,

accounting and taxation framework are

Introduction

Grant Thornton International is one of the world's leading organisations of independently owned and managed accounting and consulting firms providing assurance, tax and specialist advice to privately held businesses and public interest entities.

Member firms focus on helping businesses reach their commercial goals by providing practical, customised solutions and indentifying and pursuing business opportunities domestically and internationally. They share a commitment to providing the same high quality service to their clients wherever they choose to do business.

Experienced professionals combined invaluable local market knowledge with technically advanced systems to help businesses prosper in today’s highly competitive markets.

This guide has been prepared for the assistance of those interested in doing business in Singapore. It does not cover the subject exhaustively but is intended to answer some of the important, broad questions that may arise. When specific problems occur in practice, it will often be necessary to refer to the laws and regulations of Singapore and to obtain appropriate accounting and legal advice. This guide contains only brief notes and includes legislation in force as of February 2009.

Grant Thornton International is not a worldwide partnership. Member firms of the international organisation are independently owned and operated.

Grant Thornton in Singapore

Established in 1973, Foo Kon Tan Grant Thornton is well recognised and trusted in the business community. We have been helping clients to seize growth opportunities and succeed in the changing business and regulatory environments. Today, many of our clients are listed on the Singapore Exchange as well as other international capital markets. Others have become leading brand names.

We too have grown from strength to strength. Founded as a traditional public accounting firm, we have developed into an organisation of more than 300 professionals delivering a full range of services tailored to the needs of privately held businesses and public interest entities.

While the business environment has changed, our core values remain the same. Integrity, reliability and personal attention to client needs are the hallmarks of our practice. Doing the right thing is our mantra.

The firm invests significantly in professional and soft skills development programmes to fully realise the potential of our people. To broaden and deepen the competencies of our people talent, management proactively supports in-bound and out-bound secondment opportunities to and from Grant Thornton member firms. These experiences give our people the added dimensions that ultimately benefit our clients.

Community involvement is an essential part of our culture too. We fund scholarship grants and through partnership with CPA Australia (Singapore Division), we provide a head-start for promising second year undergraduates in their pursuit of a professional qualification. The firm’s corporate social responsibility (CSR) programme also includes a companionship day at a care home for the disadvantaged. We believe in our duty to society, with the same passion that we honour our commitment to ethics and excellence in business.

As a member of Grant Thornton International Ltd (Grant Thornton International) we are able to combine the knowledge and experience of our local marketplace with the technologies, methodologies and specialists resources of a professional services organisation at the forefront of the global accounting professional.

Our ranges of services include:

?assurance and business advisory ?business risk services ?corporate finance

?recovery and reorganisation services ?transaction services

?tax compliance and advisory

Country Profile

Summary

?stable pragmatic government and economy

?excellent infrastructure and telecommunications network

?globally-competitive workforce

?one of the top trading and business destinations

Geography and population

The Republic of Singapore is made up of the main Singapore island and some 54 islets. Some of these offshore islands have become important oil refinery centres for the multinational petroleum companies while others namely, Sentosa, has been developed into a resort island offering recreation and entertainment.

Strategically located at the southern most tip of the Asian continent and at the crossroads of the world’s global trading centres and in the heart of Asia, Singapore is the launch pad to the emerging markets of China, India and Southeast Asia.

Its climate is characterised by uniformly high temperatures and humidity but pleasantly moderated by prevailing sea breezes. The average maximum is 31°C and average minimum is 24°C. Rain falls the whole year through.

Singapore’s multi-racial population is approximately over 4.84 million comprising of four major ethnic groups – Chinese (75%), Malay (14%), Indian (8%) and Others (3%).

Political and legal system

The Republic of Singapore is social-democratic city state. Rated as the safest country in Asia, Singapore has a parliamentary system based on the British model. The organs of state comprise: The Executive: Head of State and Head of Cabinet

The President who is the Head of State is elected for a fixed term of 6 years. The Cabinet is led by the Prime Minister.

Parliament

Parliament is elected by general election every five years. Legislation enacted through Bills is passed by Parliament and is assented to by the President.

The Judiciary: The Supreme Court and the Subordinate Courts

The judiciary is one of the three constitutional pillars of government along with the Legislature and the Executive. The Supreme Court comprises the Court of Appeal and the High Court. The

Language

Singapore has four official languages. Chinese (Mandarin), English, Malay and Tamil. Malay is the national language. English is used in commerce and government administration. Singapore has a high literacy rate of 96% of total population and more than half of the populace is literate in 2 or more languages.

Business hours/time zone

Business hours are generally from 8.30am or 9.00am – 5.00pm or 6.00pm; Mondays to Fridays and up to 1.00pm on Saturdays for government offices. Banks are open from 9.30am to 3pm; Mondays to Fridays and up to 1.00pm on Saturdays. Shopping malls are generally open the whole week from 10.00am – 10.00pm.

Singapore’s time zone is GMT+8 hours and +13 hours US Eastern Standard Time.

Economy

GDP per capita S$53,192 (2008).

Singapore is an advanced, successful free-market economy, featuring an open and corruption-free environment. Globally connected, a pro-business environment with a strong and stable infrastructure to boost and sustain growth and success in a myriad of industries.

In recent years, emerging alongside the traditional engines of growth in the manufacturing and financial/business services, the economic landscape has moved to one that promotes knowledge-based and research-intensive industries. At the same time there has been a significant growth and development in the biomedical sciences, clean technologies and interactive digital media industries.

Major industries

Manufacturing including electronic, chemicals biomedical, precision/transport engineering; construction, utilities, wholesale & retail trade, transport & storage, hotels & restaurants, information & communications services, financial services, business services and other services industries.

Major trading partners

France, Germany, United Kingdom, Indonesia, Malaysia, Thailand, Japan, Hong Kong, Korea, Taiwan, China, Saudi Arabia, United States of America and Australia.

Free Trade Agreements

ASEAN, Australia, China, European Free Trade Association, ESFTA (Switzerland, Liechtenstein, Norway and Iceland), GCC (Gulf Cooperation Council) Jordan, India, Japan, Korea, New Zealand, Panama, Peru, Trans-Pacific SEP (Brunei, New Zealand and Chile) and the United States.

Employment levels

?employment : 2.96 m

?unemployment rate (SA): 2.6%

Living in Singapore

Singapore is one of the most welcoming cities in Asia for expatriates. It is safe and orderly with clean and green surroundings. Living standards are high with excellent facilities for shopping, sports and recreation. More than a dozen international schools cater to the needs of the expatriate children.

Visa and entry requirement

Foreigners holding ordinary passports issued by the following countries will require a Business or Social Visit visa to enter Singapore.

Assessment Level 1 Countries:

Commonwealth of Independent States (Armenia, Azerbaijan, Belarus, Georgia, Kazakhstan, Kyrgyzstan, Moldova, Russia, Tajikistan, Turkmenistan, Ukraine, Uzbekistan).

India, Myanmar, Nigeria, People’s Republic of China and holders of Hong Kong Document of Identity and Macao Special Administrative Region (MSAR) Travel Permit, Nigeria (w.e.f. 1 Dec 2008)

Assessment Level II Countries:

Afghanistan, Algeria, Bangladesh, Egypt, Iran, Iraq, Jordan, Lebanon, Libya, Morocco, Pakistan, Saudi Arabia, Somalia, Sudan, Syria, Tunisia, Yemen and holders of Palestinian Authority Passport, Temporary Passport issued by the United Arab Emirates and Refugee Travel Document issued by Middle-East countries.

For detail information please visit the Immigration & Checkpoints Authority website:

https://www.wendangku.net/doc/542774078.html,.sg

Did you know?

Doing Business 2009 Report a study by the World Bank ranked 181 economies set against 10 indicators on the ease of doing business. Rankings are benchmarked to June 2008. We have listed selected findings taken from https://www.wendangku.net/doc/542774078.html,.sg on Singapore’s ranking

Competitiveness & Business Environment

world’s easiest place to do business

the most competitive country in Asia – and is No.5 worldwide

best business environment in Asia Pacific and is No. 3 worldwide

Asia’s 3rd most “network” country

Economic Performance

No. 2 worldwide as the city with the best investment potential for 14 consecutive years

world leader in foreign trade and investment

Business Legislation and Efficiency

2nd in the world and 1st in Asia for having the best protection of intellectual property

least bureaucratic place for doing business in Asia

Government

3rd in the world and 1st in Asia for having the least corruption in its economy

2nd most transparent country in the world and it is the most transparent Asian country

Labour

the most motivated workforce in Asia and is ranked 3rd in the world

offers the best skilled in Asia Pacific

labour regulations are the most business conducive in Asia

has the best labour/employer relations in Asia

Expatriate Living

foreign talent rank Singapore as Asia’s best country to work in

first choice for Asian expatriates

best place in Asia to live, work and play

Singapore’s immigration laws for foreign talent are the least restrictive in the world best labour/employer relations in Asia

Regulatory environment

Summary

?Singapore has always maintained a pro-business, pro-enterprise outlook. Government agencies with regulatory functions have close rapport with the private sector and often,

major policies affecting the business community are adopted after consultations with the

major trade and business bodies.

?To encourage private sector initiatives, red tapes are cut to a minimum and a whole host of grants and assistance are available.

?Singapore's free enterprise economy welcomes foreign investments as well as skilled foreign talents.

Incentives for business

- Singapore is consistently ranked as one of the best places in the world for businesses

- political and economic stability

- well-developed physical infrastructure

- efficient port facilities and a major air hub in the Asia Pacific region

- state of the art telecommunications facilities

- no restriction on foreign ownership

- no restriction on expatriate employment, subject to employment pass

- freedom of repatriation of investment capital and profits

- extensive range of tax and investment incentives

- financial assistance for small and medium-sized local companies

- pre-export and export financing at favourable interest rates

- no restrictions on the remittance of interest earned by non-residents having accounts

with banks operating in Singapore

- no capital gains tax, turnover tax

- double taxation treaties with over 50 countries

- strong, co-operative relationship between Government, unions and employers.

Government approvals and registration

The Accounting and Corporate Regulatory Authority (ACRA) a merged entity of the Registry of Companies and Business (RCB) and the Public Accountants Board from 1 April 2004 – is the government body that oversees the incorporation of businesses and companies in Singapore. All businesses must be registered with ACRA. This includes any business carried out in Singapore by foreign individual or corporation.

A foreign company that wants to set up a branch in Singapore will need to appoint two local agents to act on its behalf. These agents must be Singapore residents, that is, either citizens or permanent residents, or foreigners with employment or dependant passes.

Special licenses are needed for some businesses such as banking, insurance and stock broking, the manufacture of goods such as cigars and firecrackers.

Competition rules/consumer protection

Competition is a key tenet of Singapore’s economy strategy. There are controls to prevent anti-competitive activities that unduly prevent, restrict or distort competition.

Import and export controls

Singapore is virtually a free port and tariffs are imposed on few dutiable items. For health, safety or security reasons certain goods are subject to control.

Exchange control

There are no exchange controls and funds may be freely remitted into and out of Singapore. Government incentives

The government has established a number of incentives programmes to help companies improve

efficiency, strengthen capabilities and explore new opportunities in their business. Some

programmes cater to the needs of start-ups and local enterprises, while others are designed for

global companies with large-scale needs such as the set up of regional/international headquarters in

Singapore. The schemes of incentive range from assistance in manpower development,

technological/equipment upgrading, to R&D, intellectual property and industry development.

The type of assistance can be in the form of loans, grants, reduction of tax rates, equity financing as

well as non-financial assistance

Some key government agencies which assist and support the business-friendly environment in

Singapore include:

Economic Development Board (EDB)

EDB is the lead national agency responsible for planning and implementation of economic

strategies to enhance and sustain Singapore’s position as a global hub for business, investment and talent. In this respect, EDB liaises with other government agencies and banks which provide

medium and long term finance and with Jurong Town Corporation in connection with land and factory space to assist investors. In short, EDB is responsible for the continued economic success of Singapore and the companies on its shores.

SPRING Singapore

SPRING Singapore is the national agency entrusted with the responsibility of sustaining Singapore’s productivity, growth and competitiveness. It assists SMEs to systematically achieve world-class standards of business excellence. Together with other agencies like EDB and IE Singapore, SPRING works to strengthen the business infrastructure, review rules and regulations to cut red tape, and facilitate better access for enterprises to financing and other resources such as land and labour.

International Enterprise Singapore (IE Singapore)

Formerly known as the Singapore Trade Development Board (TDB), International Enterprise Singapore or IE Singapore for short – helps Singapore-based companies grow and internationalise. At the same time IE Singapore works to position Singapore as a base for foreign businesses to expand into the region in partnership with local companies.

IE Singapore focuses on:

- seeking greater international market access for Singapore's exports

- facilitating local companies efforts to internationalise

- enhancing efficiency in international trade operations and procedures

- attracting foreign investment and facilitating their participation with local companies. Workforce Development Agency (WDA)

Established in September 2003, WDA offers several manpower development programmes to promote enhancement of human and intellectual capital. A number of funding schemes are available to encourage employers train and upgrade skills of workers and help employees acquire skills through lifelong learning initiatives. The agency also works with other economic agencies to help employers remain globally competitive, keep abreast of market developments and adapt the workforce to industry needs.

Finance and banking

Summary

? a highly developed and well-regulated financial centre of international repute

? a major wealth management centre in Asia and is rated “AAA” by Moody’s and Standard & Poor’s

?more than 500 local and foreign financial institutions offering a wide range of financial products and services.

Singapore’s financial sector has been built on the highest regulatory and prudential standards.

It has a thriving financial centre of international repute, serving its domestic economy, the wider Asia Pacific region and the world. In 2008, the financial services accounted for about 13% of Singapore’ GDP.

Monetary Authority of Singapore (MAS)

The Monetary Authority of Singapore (MAS) is the central bank of Singapore. It supervises and regulates all elements of monetary, banking and financial aspects of Singapore. As banker and financial agent to the Government, MAS has been entrusted to promote monetary stability, credit and exchange policies conducive to the growth of the economy. Following its merger with the Board of Commissioners of Currency in October 2002, the MAS also assumed the role of currency issuance.

Credit Facilities

Banks, merchant banks and finance companies grant credit facilities and structure them in accordance with the requirements of each customer.

The facilities that banks grant range from overdrafts and short-term advances to medium and long-term loans. They also grant import and export financing facilities. Such facilities include letters of credit, discounting of bills of exchange, trust receipt financing and acceptance financing. Other facilities include financial guarantees, shipping guarantees, repurchase agreements and currency swaps. Some banks assist customers in raising funds directly from investors and other banks and underwriting any amounts that are not taken up by such investors and banks.

Subject to the limits imposed by the Banking Act, credit facilities may be granted on a secured basis with or without third party guarantees depending on the bank's assessment of each customer's credit worthiness. Security may take such forms as mortgage of properties and other assets, fixed and floating charges over assets and pledge of property title deeds, shares or other marketable collateral.

Merchant banks usually grant the same types of credit facilities as banks except that they do not grant overdraft facilities and some do not provide letters of credit and other trade financing facilities. Like banks, they are permitted to provide credit facilities in any currency on a secured or

Interest Rates

There are no interest cartels in Singapore. All banks, merchant banks and finance companies are free to quote the interest they pay for deposits or charge for credit facilities.

Commercial Banks

In line with the Government's policy to develop Singapore as a major financial centre in Asia, foreign banks of international repute have been invited to establish branches here. Many of the world's well-known banks are thus represented in Singapore. In addition, local banks have many branches established throughout the island. There are presently four types of banking licences in Singapore.

Full Banking Licences are issued to local banks and a number of foreign banks. These banks offer a whole suite of banking services to their retail and corporate clients. Foreign banks holding this licence enjoy less flexibility than their local counterparts in their branch and automated teller machine (ATM) networks. There are 24 full-licensed banks, six of which are locally-incorporated.

Qualifying Full Banking Licences were first awarded on 20 October 1999. This licence is open only to non-Singaporean banks and allows those issued with the licence to have additional branches and/or off-premise ATMs as well as to share ATMs among themselves. There are 7 qualifying full banks as at 31 May 2009.

Wholesale Banking Licences first came into being on 1 January 2002. Wholesale banks can only accept Singapore dollar fixed deposits of more than S$250,000. As at 31 May 2009, there are 41 wholesale banks, all of which are branches of foreign banks.

Offshore Banking Licences came into effect in 1973 and operate mainly in the foreign exchange market and in wholesale banking with non-Singapore residents. There are 40 offshore banks in Singapore as at 31 May 2009.

Finance Companies

Finance companies are regulated under the Finance Companies Act, and operate under licences granted by the MAS. They may be classified into two groups; affiliated to commercial banks and independent institutions. They are allowed to accept time and savings deposits. They cannot provide current account facilities, or deal in foreign exchange or gold. The types of financing provided include housing loans, real estate construction loans, hire-purchase, block discounting, accounts receivable financing, factoring, commercial loans, shipping loans and leasing.

Merchant Banks

Merchant banking activities are provided by a number of organisations, most of which are subsidiaries of foreign banks or joint ventures of foreign and local banks. Merchant banks' activities include financial and advisory investment services, portfolio management, underwriting, investment banking and corporate financing. Funds provided to borrowers are either the merchant bank's own resources or sourced from the inter-bank market or from lenders for whom the merchant bank acts as the intermediary.

Capital markets

Singapore Exchange (SGX)

On 1 December 1999, the Singapore Exchange (SGX) was officially launched as the first demutualised, integrated securities and derivatives exchange in the Asia-Pacific. It was a result of a merger between the Stock Exchange of Singapore (SES), and the Singapore International Monetary Exchange (SIMEX) effected by the Exchanges (Demutualisation and Merger) Act. In November 2000, SGX became the first exchange in Asia-Pacific to be listed via a public offer and a private

The operations of the SGX, via its subsidiary, Singapore Exchange Securities Trading Limited

(SGX-ST), and its member companies are regulated by the Securities and Futures Act and is

administered by MAS.

It is the intention of the Government and the role of the SGX to promote the listing of local and

international companies, as well as to encourage organisations of foreign governments to raise funds through the floating of bonds. The Government appointed Securities Industry Council (SIC) functions as an advisory and consultative body to the Government and the SGX. SIC also

administers and enforces a non-statutory code on take-overs and mergers.

A company seeking listing on the SGX requires approval from the MAS and SGX-ST.

Equity Market

SGX-ST provides an electronic platform for the trading of equities and also provides a market in a wide range of domestic and foreign securities which are traded on a scripless basis.

Listed companies are quoted on the SGX Main Board or Catalist (the transformed second board of SGX, previously known as SESDAQ). Catalist is the first sponsor-supervised listing platform in Asia for both local and international growth companies. Established in November 2007, Catalist has less stringent listing requirements.

Derivatives Market

The trading of derivative products is carried out on the SGX through its subsidiary, Singapore Exchange Derivatives Trading Limited (SGX-DT). SGX-DT is one of the world's leading derivatives exchanges, providing regional and international investors with an effective global risk-management and trading facility.

Venture Capital (VC)

One major category of private equity investment is venture capital (VC).

To encourage venture capital activity in Singapore, the Economic Development Board has established the “Venture Capital Fund Incentive” an incentive scheme that allows partial or full corporate tax exemption on income from divestment of share, foreign dividends and foreign interest income.

Imports/Export

Summary

?Singapore is virtually a free port, very few imports are dutiable or under control

?Most goods can be imported or exported freely into and from Singapore with the required import/export permits obtainable from the Singapore Customs & Excise Department and

International Enterprise Singapore.

Dutiable items

The broad categories of dutiable items are

- petroleum products

- tobacco and liquor products

- motor vehicles

Import restrictions

For health, safety or security reasons certain goods are subject to control and require approval or licence from IE Singapore or other relevant government agencies prior to importation or exportation. Examples are:

- telecommunications and audio communications and equipment

- animals, birds, plants

- meat products

- weapons and explosives, toy guns

- publications, audio and video tapes and games

- films

- medical products.

Certain products are prohibited. These products include chewing gum, chewing tobacco, controlled drugs, endangered wild-life species and related products, firecrackers, reproduction of copyright publications, toy coins and currency notes.

Business entities

Structure of business entities

The most common business structures in Singapore are:

?Sole-proprietorship

?Partnership

?Company

Most foreigners find it easy to start a business in Singapore as we have a very pro-business environment. You just need to be aware of additional regulations and permits that apply to non-Singapore citizens. Tax implications vary according to the structure and professional advice is essential before commencing business.

Types of business organisations:

Sole-proprietorship

A sole-proprietorship is a business owned by one person or one locally incorporated company. It is the simplest and most flexible business structure. A sole-proprietor has unlimited liability. Partnerships

Partnerships can be:

1General Partnership

Like a sole-proprietor, the business of a partnership has to be registered under the Business Registration Act. A partnership may consist of individuals or companies, the minimum number of partners is two and the maximum is twenty. Once there are more than twenty partners, the business must be registered as a company under the Companies Act. As general partnership is not separate legal entity, members of the partnership are jointly and severally liable for the debts of the partnership.

2Limited Liability Partnership (LLP)

A LLP is a business structure that offers all its members limited liability while allowing them to

retain the flexibility of operating the LLP as a traditional partnership. A partner of an LLP is not personally liable for the malpractice of other partners in the firm. The partner is however

personally liable for his own negligence and personal misconduct. LLPs are commonly used by professional firms and start-ups.

3Limited Partnership (LP)

A LP consists of one or more general partners and one or more limited partners. Limited

partners of an LP enjoy limited liability but are unable to take part in the management of the

The LLP structure would appeal to investors who wish to be “silent partners” in a business, and whose liability is limited to the extent of their investment in the LLP. LPs are increasingly used for private equity and fund investment businesses.

Company incorporation

Under the Companies Act, a business may be incorporated as one of the following:

1 Private Company limited by shares

Most companies in Singapore are private companies limited by shares – “Pte Ltd”. Private

companies with more than 50 shareholders must be converted to public companies limited by shares.

2 Exempt Private Company (EPC)

An Exempt Private Company (ECP) is one with less than 20 individual shareholders and with no corporate shareholder. An EPC does not need it accounts to be audited if revenue is less than S$5million for the financial year. However, professional firms filing on behalf of EPC may still require the hardcopy exempt certificates from directors as evidence of compliance and for record purposes.

3 Public Company limited by guarantee

A public company limited by guarantee is one which carries out non-profit making activities that have some basis of national or public interest, such as for promoting art, charity etc. There is no share capital.

4Public Company limited by shares

A public company limited by shares is one where the number of shareholders can be more than

50. The company may raise capital by offering shares and debentures to the public. A public company must register a prospectus with the Monetary Authority of Singapore before making any public offer of shares and debentures.

Branch Office of Foreign Company

Foreign companies may conduct business in Singapore by establishing a branch office. Any foreign company wishing to register a branch has to engage a professional firm or service bureau in Singapore eg law firm or accounting firm to assist in the application.

Representative Office

A foreign company may establish a representative office in Singapore to undertake promotional and liaison activities on behalf of its parent company. The office, however, directly or on behalf of its parent company, must not be engaged in business, conclude contracts, provide consultancy for a fee, undertake transhipment of goods, or open or negotiate any letter of credit.

Approval for the establishment of a representative office must be obtained from IE Singapore.

Operational Headquarters (HQ)

The Singapore Government encourages companies to use Singapore as a base to conduct headquarters management activities to oversee, manage and control their regional and global operations and business. The HQ can be in the form of Regional Headquarters, International Headquarters, Operational Headquarters, Business Headquarters or Manufacturing Headquarters.

Labour

Summary

?Singapore offers a globally top-ranked working populace recognised for its high level of productivity and efficiency

?the tripartite alliance of the government, employer groups and the employee federation of trade unions (National Trades Union Congress) work to promote and advance the national interest, contributing to the virtual absence of industrial unrest

?Singapore adopts an open policy in the employment of foreigners.

Labour force

According to the figures from the Ministry of Manpower, as at 20 January 2009 the services sector employed the highest percentage of workers (67%) followed by manufacturing (20%), construction (12%) and others (0.7%).

Employment of foreigners

There is normally little difficulty in obtaining employment passes for senior executives of large foreign or multi-national organisations, well-qualified specialists, regional representatives of firms operating internationally, or personnel required to start up new industrial, financial or servicing undertakings.

Employment Passes and Work Permits

Foreigners who wish to take up employment or do business in Singapore must have valid work passes. Under the Singapore’s Work Pass Framework, there are several types of work passes issued by the Ministry of Manpower.

?Employment Pass (EP)

- foreigners with recognised professional qualifications or specialist skills and earn a fixed

minimum monthly salary of S$2,500

?Entrepreneur Pass (EntrePass)

- foreign entrepreneurs who would like to start businesses in Singapore

?S Pass

- foreigners who are skilled or semi-skilled at mid-level specialist skills or technician level

and earn a fixed minimum monthly salary of S$1,800

?Personalised Employment Pass (PEP)

- suitable employment pass holders who have graduated from local institutions of

higher learning and worked in Singapore for a period of time and/or are in between

jobs. This offers flexibility for selected foreign talent to stay up to six months without

a jo

b in Singapore

?Work Permit (WP)

- skilled or unskilled foreign employee

?Training Visit Pass (TVP)

- foreigners on training attachment.

Scheme for permanent residence

A foreigner can apply for Singapore Permanent Residence under the following scheme:

?Scheme for professional/technical personnel and skilled workers

- foreigners who are working in Singapore on employment S passes

?Scheme for entrepreneurs

- entrepreneurs with good track record and interested in investing in Singapore may apply

under this scheme. The successful applicant must deposit at least S$1.5 million with the

government

?Scheme for spouse and unmarried children of Singapore citizens and permanent residents - spouse and unmarried children below 21 years old of Singapore c itizens/permanent residents

Wages

Singapore has no statutory minimum wage. The National Wages Council (NWC) in consultation with the representatives of employer organisations, (mainly, the Singapore National Employers’ Federation and the Chambers of Commerce and Industry); the National Trades Union Congress and the government recommends national guidelines for annual wage adjustments.

Social security

Working Singaporeans and Singapore permanent residents and their employers contribute to the Central Provident Fund (CPF). Over the last 50 years, the CPF system has evolved from a simple compulsory savings plan into a complex social savings scheme that provides for retirement, healthcare and housing needs of both Singaporeans and permanent residents.

Unions

The most prominent feature of Singapore’s industrial relations is the absence of labour unrest. Employee groups maybe represented by trade unions but membership is not compulsory. The federation of employee trade unions, National Trades Union Congress works closely with the government and business sectors to look after workers’ interests.

Financial reporting and audit

Financial Reporting Requirements

The annual financial statements of both private and public companies, including branches of foreign companies, are required to be audited by independent certified public accountants. Exemptions are available under the Companies Act for the financial statements of dormant private companies and exempt private companies with annual revenue of S$5m or less from audits. Sole proprietorships, partnerships and representative offices are not required to prepare audited accounts.

Reporting Standards

In most cases financial statements are prepared in accordance with a conceptual framework referred to as “generally accepted accounting principles” (GAAP).

The Accounting Standards Council (ASC) is empowered under the Accounting Standards Act to prescribe accounting standards for use by companies, co-operatives societies and societies in Singapore.

The Singapore Financial Reporting Standards (SFRS) are based largely on the International Financial Reporting Standards (IFRS). While the ASC will track closely the introduction of new IFRS for possible application in Singapore, it will also take into account the local economic and business circumstances and context, as well as the entity to which the IFRS would apply.

The Chairman and members of the ASC are appointed by the Minister of Finance. Council members comprises representatives from the stakeholder groups such as the accounting profession, the users and preparers of financial information, academia and the Government.

Public companies are subject to additional financial statement and disclosure requirements promulgated by the Singapore Exchange Securities Trading Limited (SGX).

个人房屋出租的事项 个人出租房屋信息发布范文

个人房屋出租的事项个人出租房屋信息发 布范文 导读:本文介绍在房屋租房，租房注意事项的一些知识事项，如果觉得很不错，欢迎点评和分享。 如果个人有房源出租或者是个人想要租房的话是需要对房屋出租信息进行发布的，或者是找适合的房源信息之前是需要有求租信息的，那么个人房屋出租的事项是什么呢，如果个人想要发布出租房屋的信息，有很多需要重视的事项。个人出租房屋信息发布范文是什么呢，下面小编就来做具体的介绍，让大家对于出租房屋有很好的了解。 个人房屋出租的事项 注明房屋地点发布平房出租信息，很重要的是说清楚你房屋所在的地方，确定价格租期发布平房租房信息时，提供平房照片提供平房照片，院内院外，可以让租房者直接看到房屋真实面貌。 一、注明房屋地点发布平房出租信息，很重要的是说清楚你房屋所在的地方，应该言简意赅，简明扼要。一般网站会有字数限制的。而且你要区分一些容易混淆的，比如某大学要分开哪个校区，避免弄混了。 二、确定价格租期发布平房租房信息时，价格要写好了，应该提前参考相似房屋的价格，尽量保持在中等，如果拿不

准，就选择面议，这样说的不绝对，就不会引起不必要的纠纷。租期同样要写清楚，长租还是短租，让租房者有一个清晰的认识，避免双方浪费时间。 三、提供平房照片提供平房照片，院内院外，可以让租房者直接看到房屋真实面貌，避免看房后不满意浪费双方时间的情况。照片多方面展示所要出租的平房，让租房者对平房有一个直观的认识。 四、保护个人信息租房写信息时，不要写自己的真实姓名，只要写上比如李老师、杨老师等就行了，电话方面，如果有呼叫转移就更好了，即不显示你的手机号码，而且网站给你设置编号，只要拨打这个编号就能转呼到你手机上，一般都是免费的，能保护个人隐私。 个人出租房屋信息发布范文 一、其实租房，尤其是好地段的房屋出租，无外乎几种情况，一是租来或用于商业，这种需求价格较好，讲求的是氛围。二是为方便上下班的租住处需求，这种需求讲求的是方便。 二、商业如果成型，不需要你多说什么也自然抢手，如不成型，说再多也无济于事，毕竟只是一则广告，无法传递那么多信息的。 三、居住则关注的是便利性，所以房屋出租信息发布范文要求之一就是在书写的时候，首先要强调额就是房源的点。

城市的远见,新加坡

城市的远见，新加坡 坚持远见,整体规划 一、新加坡概况 新加坡位于赤道以北137公里,北与马来半岛隔柔佛海峡,南与印尼诸岛相隔, 由一个本岛和63个小岛组成,总面积699.1平方公里。新加坡是一个多民族融和的国家,人口为442万,其中76.9%的是华人,14%的是马来人,7.7%的是印度人,1.4%的是欧亚混血人种和其他民族。 二、新加坡规划历程 由于历史原因,新加坡的城市规划体系明显地受到英国影响。早在1827年,英 国殖民统治者就绘制了城镇发展图。从1856年开始,殖民当局规定任何建造活动都必须事先告知市政当局。受到英国本土的公共卫生立法运动的影响,在1887年、1896年和1913年,殖民当局颁布了市政法令,先后制定了有关公共卫生的建筑法规,包括建筑通风、垃圾处置、街道宽度、建筑高度、等控制要求。 新加坡的发展规划采取二级体系,分别是概念规划和开发指导规划。概念规划 是制定长远发展的目标和原则,体现在形态结构、空间布局和基础设施体系。开发指导规划的核心是用途区划,作为开发控制的法定依据。 在1967-1971年期间,新加坡在联合国的协助下制定完成了第一个概念规划-环状加卫星城方案。初步奠定了新加坡的空间布 1 局,如港口、高速公路网络、地铁线以及科技园区的布局。发展环的核心是水 源的生态保护,城市中心在南海岸的中部,将发展为一个国际性的经济、金融、商业和旅游中心,沿着快速交通走廊形成兼有居住和轻型工业的新市镇,市中心的人口和

产业将疏散到这些新镇,一般工业集中在西部的裕廊工业区,国际机场位于本岛的东端。 20世纪80年代以来,开发指导规划逐步取代了总体规划,在1971概念规划的基础上,加强了交通与用地布局的联系,缓解市中心的压力,提出了新的用地性质,如商业园区的概念。同时以土地使用和交通规则为核心,针对分区的特定发展条件,制定各方面细则,如用途区划、交通组织、环境改善、步行和敞开空间体系、历史保护和旧城改造等方面。 1991年,新加坡重新制定了经济和社会发展的远景,确定规划人口400万,将全国划分为5个区域、5大主要核心,形成有系统与层次的区域中心,每个区域中心服务人口约80万。新一轮概念规划的重点是建设一个具有国际水准的城市中心,完善快速交通体系、交通节点和商务园区构成的高科技走廊,提升居住环境品质,提供更多的低层和多层住宅,并将更多的绿地和水源融入城市空间体系,一如既往地贯彻“花园城市”的理念,很好地处理了城市与自然的结合。 2001年,新加坡完成了新一轮的概念规划,确定规划人口为550万,提出规划七大目标,旧社区—新住宅、高密度住宅用地、 2 更多的休闲空间、更灵活的商业开发、全球化的商业中心、完善的地铁系统、城市意向。提出人口向市中心聚集的规划策略。 三、新加坡总体规划 概念规划主要制定土地和交通的规划蓝图,更多的是对城市发展框架的研究,不具有法律效力。总体规划是在概念规划基础上,整合55个分区的控制性规划编制而成,为法定文件。在总体规划中,人口密集与非密集区域、相关公共配套设施、交通网络、产业布局都有明晰的标记和详细的预算,还规定了每个细分小块的容积率。

新加坡国立大学数学授课型研究生申请要求

新加坡国立大学 数学 授课型研究生申请要求

新加坡国立大学简介 学校名称新加坡国立大学 学校英文名称National University of Singapore 学校位置新加坡 2020 QS 世界排名11 新加坡国立大学概述 新加坡国立大学（National University of Singapore），简称国大（NUS），是新加坡首屈一指的世界级顶尖大学。该校是环太平洋大学联盟、亚洲大学联盟、亚太国际教育协会、国际研究型大学联盟、Universitas 21等著名高校联盟的成员，也通过AACSB和EQUIS认证。其在工程、生命科学及生物医学、社会科学及自然科学等领域的研究享有世界盛名。 新加坡国立大学前身为1905年成立的海峡殖民地与马来亚联邦政府医学院。1912年，该校改名为爱德华七世医科学校。1928年，莱佛士学院成立。1949年，爱德华七世医学院与莱佛士学院合并为马来亚大学。1955年，新加坡华人社团组织创立了南洋大学。1962年，马来亚大学位于新加坡的校区独立为新加坡大学。1980年，新加坡大学和南洋大学合并，校名定为新加坡国立大学。 数学专业简介 该课程旨在提供数学方面的高级培训，并强调课程作业。它为那些拥有数学荣誉学位或学士学位的人提供机会，以建立和提高他们在一般高等数学和/或应用数学的某些专门领域的专业技能和资格。数学专业相关信息 专业名称数学 专业英文名称Master of Science (Mathematics） 隶属学院理学院 学制1年 语言要求托福85（写作22）雅思6

GMAT/GRE 要求不需要 2019 Fall 申请时间秋季入学：12月1日-3月15日；春季入学：6月1日-9月15日2020 Fall 申请时间秋季入学：12月1日-3月15日；春季入学：6月1日-9月15日学费(当地货币)36550（20100） 数学课程内容 序号课程中文名称课程英文名称 1基本数据分析工具:数据可视化Introduction to Data Science DSAP Staff 2基本数据分析工具:数值计算Essential Data Analytics Tools: Data Visualisation 3实践中的数据科学Essential Data Analytics Tools: Numerical Computation 4基本数据分析工具:凸优化Data Science in Practice 5高维统计分析dsap人员Essential Data Analytics Tools: Convex Optimisation 6大型统计推理的优化High-Dimensional Statistical Analysis DSAP Staff 7机器学习基础Optimisation for Large-Scale Statistical Inference 8可视化数据处理和解释Foundations of Machine Learning 9深度学习与应用Visual Data Processing and Interpretation 10定量金融中的数据科学Deep Learning and Applications 11新生研讨会:计算机科学是科学吗?Data Science in Quantitative Finance 12新生研讨会:科学、技术与社会的数学Freshmen Seminar: Is Computer Science Science? 13新生研讨会:无限的数学Freshmen Seminar: Mathematics in Science, Technology and Society

2020房屋出租信息范本(通用版)

STANDARD CONTRACT SAMPLE (合同范本) 甲方：____________________ 乙方：____________________ 签订日期：____________________ 编号：YW-BH-003167 2020房屋出租信息范本(通用

2020房屋出租信息范本(通用版) 出租方：（以下简称甲方，出租方）▁▁▁▁▁▁▁▁▁▁▁▁▁▁ 住所： 法定代表人： 授权代表： 职务： 承租方：（以下简称乙方，承租方）▁▁▁▁▁▁▁▁▁▁▁▁▁ 住所（或住址）： 法定代表人： 授权代表： 职务： 身份证号（个人）： 根据《中华人民共和国合同法》及相关法律法规规定，双方就租赁房屋从事经营事宜经平等协商，签订本合同。 1. 租赁房屋 1.1 甲方将合法拥有的座落于▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁的房屋出租给乙方使用。

1.2租赁房屋（建筑面积/使用面积）▁▁▁▁▁▁平方米。 1.3租赁房屋的装修、设备设施状况及同时交付乙方使用的其他设备设施，由双方在合同附件一中加以列明。除双方另有约定外，附件一作为甲方按本合同约定交付乙方使用和乙方在本合同租赁期满或合同提前终止时交还租赁房屋时的验收依据。 1.4乙方承诺租赁该房屋作为▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁使用，乙方不得擅自改变租赁房屋的租赁用途。乙方使用租赁房屋不得超出乙方营业执照核准的经营范围。 2. 租赁期限 2.1 租赁期限自▁▁▁▁年▁▁月▁▁日起至▁▁▁▁年▁▁月▁▁日止,共计▁▁年▁▁个月。 2.2甲方同意给予乙方▁▁▁（日/月）免租期，免租期为自▁▁▁▁年▁▁月▁▁日起至▁▁▁▁年▁▁月▁▁日。免租期供乙方用于装修，免租期内乙方无需承担租金，但于此期间发生的乙方施工实耗水、电费用及物管费用由乙方承担。 2.3 租赁期满，甲方有权收回租赁房屋，乙方应按约定归还，乙方如需继续承租的，应最晚于租赁期满前▁▁▁个月向甲方提出书面请求，经甲方同意后重新签订租赁合同。租赁期满双方未签订新的书面租赁合同的，乙方应在租赁期满时腾空并向甲方交付租赁房屋。 3. 租金及保证金 3.1 本合同实行先付租金后使用原则，租金实行（一年/半年/季/月）支付制，租金标准为▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁

新加坡学习心得体会

新加坡学习体会 2011年9月23日 根据统一安排，我参加了赴新加坡参加创新型城市建设培训班的学习。先后参观了新加坡建屋局、飞跃社区、人民行动党支部、裕廊工业园、市区重建局等单位，游览了新加坡鱼尾狮公园、圣淘沙岛、新加坡河、植物园等景点。新加坡花园般的城市面貌和高度发达的现代文明气息，给我留下了深刻的印象，感触颇深，启发很大。 一、新加坡印象 （一）、科学规划 新加坡在建国初期，就聘请联合国的专家，历时四年，高起点、高质量地编制了概念性发展规划，并以此为总纲，制定城市总体规划，城市总体规划每五年修改一次，保证规划的连续性和指导性。城市总体规划，为未来30-50年城市空间布局、交通网络、产业发展项做了战略性的指导。同时，对规划的调整，通过高额收费来加以限制，避免过多的对城市总体规划修改。新加坡用40多年时间，发展成为一座世界公认的“伟大而卓越的城市”，最核心的一条，就是科学制定规划并认真执行。 （二）、高效强势 新加坡政府在社会生活的各个方面都发挥着主导地位，城市管理中的严管重罚、交通管理中的拥车证及电子收费导流，都是政府高效强势的体现。新加坡实行中长的政府直接管理，一直坚持高效、透明、 公正等标准，取得了非常明显的成效。政府的强势不是简单粗暴执法而是通过法律来维护社会秩序，促进社会的发展与和谐。新加坡有500多种法律制度，大到国家选举，小到人们的言谈举止、衣食住行，都有章可循。 （三）、执政为民 新加坡政府极具忧患意识，非常重视群众基础性工作。执政的人民行动党的成员全部是义务性质，他们乐于奉献，在为民群服务中体现自己的追求，实现人生的价值。人民行动党在每个选区设立“民众联络所”，议员每周都安排一次接见本选区的选民，帮助敏群解决实际困难。还通过其他多种渠道，吸收和采纳民意，真正发挥政府与民众的桥梁和纽带作用。新加坡通过政府承建组屋，让85%的国民买得起政府的组屋，实现居者有其屋的梦想，成为世界各国相继效仿的榜样。 （四）、民族和谐 新加坡是一个多种族、多宗教的国家，也是华人占大多数的国家。为了确保各民族和谐相处，把统一的一元的法制和多元的社会融为一体，提出了新加坡共同价值观，即国家至上、社会为先；家庭为根，社会为本；关怀扶持，同舟共济；求同存异，协商共识；种族和谐，宗教宽容。在政府组屋中，没有单一的种族社区，而是按比例分配，各民族合居，方便沟通和相互了解，增强民族之间的认同，使各种族和睦相处，最终达到民族团结、社会和谐。 二、启示 （一）、加快小城镇建设步伐 xx街道无论是规模、品位和功能，都不能适应适应新形势的需要，必须下大力气加快建设。一是科学规划。按照“以人为本、突出文化内涵理念、完善功能配套”的原则，科学编制小城镇建设规划。注重规划的超前性，更要增强规划的法律效应，规划一经确定，必须严格执行。二是加快建设。强化经营小城镇的理念，多方筹集资金，加快小城镇建设步伐。把小城镇建设推向市场，实行投资主体多元化，投资行为市场化，按照谁受益、谁投资的原则，吸收社会力量参与小城镇建设。三是严格管理。不断创新小城镇各项体制，提高小城镇管理水平。出台相关规定，采取严管重罚与加强管理相结合的办法，彻底改变脏、乱、差的面貌，转变群众的整体观念，共同维护良好的街道秩序。

新加坡国立大学定量金融授课型研究生申请要求

新加坡国立大学 定量金融 授课型研究生申请要求

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编号：BY-HT-04925 2020房屋出租信息范本(标 准版) This contract stipulates the obligations and rights that both parties should perform 甲方：________________________ 乙方：________________________ 签订日期：_____年____月____日

2020房屋出租信息范本(标准版) 出租方：（以下简称甲方，出租方）▁▁▁▁▁▁▁▁▁▁▁▁▁▁ 住所： 法定代表人： 授权代表： 职务： 承租方：（以下简称乙方，承租方）▁▁▁▁▁▁▁▁▁▁▁▁▁ 住所（或住址）： 法定代表人： 授权代表： 职务： 身份证号（个人）： 根据《中华人民共和国合同法》及相关法律法规规定，

双方就租赁房屋从事经营事宜经平等协商，签订本合同。 1. 租赁房屋 1.1 甲方将合法拥有的座落于▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁的房屋出租给乙方使用。 1.2租赁房屋（建筑面积/使用面积）▁▁▁▁▁▁平方米。 1.3租赁房屋的装修、设备设施状况及同时交付乙方使用的其他设备设施，由双方在合同附件一中加以列明。除双方另有约定外，附件一作为甲方按本合同约定交付乙方使用和乙方在本合同租赁期满或合同提前终止时交还租赁房屋时的验收依据。 1.4乙方承诺租赁该房屋作为▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁使用，乙方不得擅自改变租赁房屋的租赁用途。乙方使用租赁房屋不得超出乙方营业执照核准的经营范围。 2. 租赁期限

2.1 租赁期限自▁▁▁▁年▁▁月▁▁日起至▁▁▁▁年▁▁月▁▁日止,共计▁▁年▁▁个月。 2.2甲方同意给予乙方▁▁▁（日/月）免租期，免租期为自▁▁▁▁年▁▁月▁▁日起至▁▁▁▁年▁▁月▁▁日。免租期供乙方用于装修，免租期内乙方无需承担租金，但于此期间发生的乙方施工实耗水、电费用及物管费用由乙方承担。 2.3 租赁期满，甲方有权收回租赁房屋，乙方应按约定归还，乙方如需继续承租的，应最晚于租赁期满前▁▁▁个月向甲方提出书面请求，经甲方同意后重新签订租赁合同。租赁期满双方未签订新的书面租赁合同的，乙方应在租赁期满时腾空并向甲方交付租赁房屋。 3. 租金及保证金 3.1 本合同实行先付租金后使用原则，租金实行（一年/半年/季/月）支付制，租金标准为▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁

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2020房屋出租信息范本

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1.3租赁房屋的装修、设备设施状况及同时交付乙方使用的其他设备设施，由双方在合同附件一中加以列明。除双方另有约定外，附件一作为甲方按本合同约定交付乙方使用和乙方在本合同租赁期满或合同提前终止时交还租赁房屋时的验收依据。 1.4乙方承诺租赁该房屋作为 ▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁使用，乙方不得擅自改变租赁房屋的租赁用途。乙方使用租赁房屋不得超出乙方营业执照核准的经营范围。 2. 租赁期限 2.1 租赁期限自▁▁▁▁年▁▁月▁▁日起至▁▁▁▁年 ▁▁月▁▁日止,共计▁▁年▁▁个月。 2.2甲方同意给予乙方▁▁▁（日/月）免租期，免租期为自▁▁▁▁年▁▁月▁▁日起至▁▁▁▁年▁▁月▁▁日。免租期供乙方用于装修，免租期内乙方无需承担租金，但于此期间发生的乙方施工实耗水、电费用及物管费用由乙方承担。 2.3 租赁期满，甲方有权收回租赁房屋，乙方应按约定归还，乙方如需继续承租的，应最晚于租赁期满前▁▁▁个月向甲方提出书面请求，经甲方同意后重新签订租赁合同。租赁期满双方未签订新的书面租赁合同的，乙方应在租赁期满时腾空并向甲方交付租赁房屋。 3. 租金及保证金

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新加坡国立大学金融工程授课型研究生申请要求

新加坡国立大学 金融工程 授课型研究生申请要求

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1.1 甲方将合法拥有的座落于 ▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁的房屋出租给乙方使用。 1.2租赁房屋（建筑面积/使用面积）▁▁▁▁▁▁平方米。 1.3租赁房屋的装修、设备设施状况及同时交付乙方使用的其他设备设施，由双方在合同附件一中加以列明。除双方另有约定外，附件一作为甲方按本合同约定交付乙方使用和乙方在本合同租赁期满或合同提前终止时交还租赁房屋时的验收依据。 1.4乙方承诺租赁该房屋作为 ▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁使用，乙方不得擅自改变租赁房屋的租赁用途。乙方使用租赁房屋不得超出乙方营业执照核准的经营范围。 2. 租赁期限 2.1 租赁期限自▁▁▁▁年▁▁月▁▁日起至▁▁▁▁年▁▁月▁▁日止,共计▁▁年▁▁个月。 2.2甲方同意给予乙方▁▁▁（日/月）免租期，免租期为自▁▁▁▁年▁▁月▁▁日起至▁▁▁▁年▁▁月▁▁日。免租期供乙方用于装修，免租期内乙方无需承担租金，但于此期间发生的乙方施工实耗水、电费用及物管费用由乙方承担。

2.3 租赁期满，甲方有权收回租赁房屋，乙方应按约定归还，乙方如需继续承租的，应最晚于租赁期满前▁▁▁个月向甲方提出书面请求，经甲方同意后重新签订租赁合同。租赁期满双方未签订新的书面租赁合同的，乙方应在租赁期满时腾空并向甲方交付租赁房屋。 3. 租金及保证金 3.1 本合同实行先付租金后使用原则，租金实行（一年/半年/季/月）支付制，租金标准为 ▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁▁；租金支付方式为（现金/支票/汇票/▁▁▁▁▁）；租金的支付时间为：首期租金应于 ▁▁▁▁▁▁日前支付，其后每期租金于▁▁▁▁▁▁日前支付。 3.2 本合同签订之日起▁▁▁日内，乙方应支付本合同约定租金总额▁▁▁%，计▁▁▁▁元的保证金，作为履行合同和按照约定使用租赁房屋的保证。 3.3 租赁期间，乙方如未按约定支付租金及相关费用或违反本合同其他约定致使甲方受到损失，甲方有权自行扣留部分或者全部保证金以抵付损失，并保留继续索赔的权利。

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房屋出租范文(个人完整版)共3篇

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在同等条件下给予优先。 5.在租赁期内，甲乙双方如有一方有特殊情况需解除协议的，必须提前一个月通知对方，协商后解除本协议。 6.乙方入住该物业应保持周围环境整洁做好防火防盗工作，如发生事故乙方应负全部责任。 7.乙方不得擅自改变室内结构，并爱惜使用室内设施，若人为损坏的将给予甲方相应赔偿;如发生自然损坏，应及时通知甲方，并配合甲方及时给予修复。五、其它未尽事宜，由甲乙双方协商解决，协商不成按有关现行法规办理或提交有关仲裁机关进行仲裁。 本协议一式二份，甲，乙双方各执一份，签字后即行生效。 六：其它说明： 1、入住时的电表度数： 2.水表度数： 出租方： 联系电话： 承租方： 联系电话： 签约日期：年月日

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附件2出租房屋信息登记表 区/县街道/乡镇社区/村 登记表序号

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新加坡国立大学临床心理学授课型研究生申请要求

新加坡国立大学 临床心理学 授课型研究生申请要求

新加坡国立大学简介 学校名称新加坡国立大学 学校英文名称National University of Singapore 学校位置新加坡 2020 QS 世界排名11 新加坡国立大学概述 新加坡国立大学（National University of Singapore），简称国大（NUS），是新加坡首屈一指的世界级顶尖大学。该校是环太平洋大学联盟、亚洲大学联盟、亚太国际教育协会、国际研究型大学联盟、Universitas 21等著名高校联盟的成员，也通过AACSB和EQUIS认证。其在工程、生命科学及生物医学、社会科学及自然科学等领域的研究享有世界盛名。 新加坡国立大学前身为1905年成立的海峡殖民地与马来亚联邦政府医学院。1912年，该校改名为爱德华七世医科学校。1928年，莱佛士学院成立。1949年，爱德华七世医学院与莱佛士学院合并为马来亚大学。1955年，新加坡华人社团组织创立了南洋大学。1962年，马来亚大学位于新加坡的校区独立为新加坡大学。1980年，新加坡大学和南洋大学合并，校名定为新加坡国立大学。 临床心理学专业简介 新加坡国立大学心理学硕士（临床）课程是一个为期两年的全日制课程，为在临床心理学领域寻求职业生涯的毕业生提供入门级培训。该计划以科学家 - 实践者的方法为基础，并以临床实践的理论知识和核心能力为基础。它通过课程作业，研究和实际实习经验进行教学。完成课程要求将获得心理学硕士（临床）学位。 临床心理学专业相关信息 专业名称临床心理学 专业英文名称Master of Psychology (Clinical) 隶属学院人文及社科学院