新加坡金融管理局从即日起放宽房贷条例。。哈哈

随口说

啥呀这又是唱的哪一出啊

不为稻粱谋

对于刚需放宽条例，是吗？

CORS

这是不是说，如果我有一间HDB，我可以refinance 拿钱出来去给买公寓的首付？

鞋子

前提是房子是自住的 这个很重要 贷款炒房的多套房的 还是得遵守60%

acer23

CORS 发表于 10-2-2014 20:18
这是不是说，如果我有一间HDB，我可以refinance 拿钱出来去给买公寓的首付？

Hdb不能 cash out产权在hdb手上。

Lucky姐

鞋子 发表于 10-2-2014 20:20
前提是房子是自住的 这个很重要 贷款炒房的多套房的 还是得遵守60%

Refinancing of investment property loans
The TDSR threshold of 60 per cent will continue to apply to the  refinancing of all investment property loans. This is to encourage  borrowers to right-size their loans and thereby reduce their  vulnerability to adverse economic conditions or changes in interest  rates. However, MAS recognises that some borrowers may face challenges  in right-sizing their debt obligations in the short term; the starting  level of debt may be too high and there may be significant costs  involved if they had to sell their properties to reduce their leverage.
Therefore, MAS will allow a transition period until 30 June 2017,  during which a borrower may refinance his investment property loans  above the 60 per cent threshold, provided he meets the following  conditions:
(a) the OTP of the property was granted before 29 June 2013;
(b) the borrower commits to a debt reduction plan with the financial institution (FI) at the point of refinancing; and
(c) the borrower fulfils the FI's credit assessment.

xinxin01

照14楼的英文看，不只是自住的，也包括投资的房产在30 June 2017前repricing（还是refinance）不受TDSR60%的影响。这点对我太重要了。
银行的人员feedback：银行的文件还没有出来。

cindyw03

看来投资房也可以豁免, 但是不可以cash out

xinxin01

Refinancing of investment property loans

The TDSR threshold of 60 per cent will continue to apply to the refinancing of all investment property loans. This is to encourage borrowers to right-size their loans and thereby reduce their vulnerability to adverse economic conditions or changes in interest rates. However, MAS recognises that some borrowers may face challenges in right-sizing their debt obligations in the short term; the starting level of debt may be too high and there may be significant costs involved if they had to sell their properties to reduce their leverage.

Therefore, MAS will allow a transition period until 30 June 2017, during which a borrower may refinance his investment property loans above the 60 per cent threshold, provided he meets the following conditions:

(a) the OTP of the property was granted before 29 June 2013;

(b) the borrower commits to a debt reduction plan with the financial institution (FI) at the point of refinancing; and

(c) the borrower fulfils the FI's credit assessment.

The changes are intended to help borrowers ease their immediate debt servicing burdens, while encouraging those who have taken on high leverage on their investment properties to right-size their loans as early as possible.

Borrowers should be aware that the current low interest rate environment will not persist indefinitely. When interest rates rise, borrowers will face higher mortgage repayments. Borrowers engaging in refinancing should therefore exercise prudence and review their debt commitments.

- See more at: http://business.asiaone.com/prop ... thash.SwFIdEmf.dpuf

夕阳剪影

稳定恶化的房市第一步?