not impt. as long as you dont declare yourself as family physician (title is protected). otherwise you can still use the title GP, general practitioner.

i think cost wise is okie, but the investment in time is more significant

Anyone tried applying for credit cards here? Does the annual income required include CPF contributions by employer? And does mohh include the Employer CPF contributions into it's base salary when giving us the contract? Appreciate any answers here.

For cc application,
Use iras notice of assessment. Iras notice of assessment will include employee cpf and bonus but not employer cpf contribution. This seems to be the most “accurate” comparison of income earned. Based on this, they will calculate your credit limit.

If you just started working, just use the employment letter. anyway most cc annual income is 30,000 which you will definitely hit. If you use employment letter, credit limit will be 4x that of your wage written on employment letter.

The pay that is written in employment letter is inclusive of employee cpf but not employer cpf.
So in addition to the amount stated, employer needs to pay you additional 17% to your cpf.
Up to an annual wage of 102,000. Beyond that no cpf.

I assume you are 3rd year PR or singapore citizen.
If you are foreigner then no cpf benefits, instead you get a $1000 housing allowance.

Thanks a lot for your reply! Yes I'm a Singaporean and will be starting work this October in singapore. Can't wait to start working :)

Four month bonus is extremely optimistic

So what is the average bonus like ? Is AWS not guaranteed? How about IPB and corporate bonuses ?

Has anyone here felt inferior/stupid while seeing your peers get into residency program while you are still stuck as a mo?

Aws is 1mth
Mid year is 0.5mth-cvb
Year end is 1mth-cvb
PB for low to average performance is 1.5mth
So total 4mth is achevieable for low to average performer

As long as you report to work, not rude to your cons, nurses and patients, do your changes, cfm can get 4mths.

If you notti and locum, with a conditional registration, then you will lose your job and registration.
If you notti and locum, with a full registration, then you will lose 2years of bonus if you show a good degree of remorse.


Then income tax wise I noted you put at 10% which is too high.
For junior officers of 4950. Even with a good bonus, their taxable income rarely exceed 80,000. Taxable income does not include employee or employer CPF contributions so end up your annual taxable income is unlikely to exceed 80,000. Furthermore plus a ns man tax relief of 3000, it total taxable is less than. 80000, payable taxes is unlikely to exceed 3350 per annum.

Mid year 0.5
End year 1.0
NPAA 1
PB 1.5

Easy ma

Anyone know how much bonus you get in the private sector (eg raffles/healthway GPs)