[公益]满足什么条件,可申请HDB房屋贷款

hitex · 发表于 24-2-2007 10:12:00|来自：新加坡

据说目前银行房屋贷款利率为4%左右,而HDB房屋贷款利率为2.6%.于是好奇哪些人可以申请HDB贷款.上HDB网站做了调查,发现自己不可以.不过花了时间,还是将结果与大家分享.(懂的英文的朋友,请参看原文)  如购房者满足下列条件,可向HDB申请贷款<ol type="a" style="MARGIN-TOP: 0in;"><li class="MsoNormal" style="MARGIN: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in;">购房者中至少有一位需是新加坡公民</li><li class="MsoNormal" style="MARGIN: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in;">购房者每月的家庭总收入不得超过8000新元</li><li class="MsoNormal" style="MARGIN: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in;">购房者向HDB贷款的次数不得多于两次.</li><li class="MsoNormal" style="MARGIN: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in;">购房者须购买更大的房型, 才可申请第二次HDB贷款</li><li class="MsoNormal" style="MARGIN: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in;">与私人产业相关的规定</li><li class="MsoNormal" style="MARGIN: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in;">与私人产业相关的规定</li><li class="MsoNormal" style="MARGIN: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in;">与私人产业相关的规定</li><li class="MsoNormal" style="MARGIN: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in;">与私人产业相关的规定</li><li class="MsoNormal" style="MARGIN: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in;">单身的新加坡人如购买5房或更小的房型,当月入少于3000新元,可申请HDB贷款</li></ol>2.6%的贷款利率的确很诱人,不过天下没有免费的午餐,新加坡也不例外.新加坡公民享受了HDB的优惠贷款利率,也同时接受了的限制. 出售房子屋主如果向HDB贷款,则不能在购房的2年半之内出售房子(除非屋主把享受到的利率优惠都还了回去). 而屋主如果向银行贷款,则可以在1年后出售房子. 出租房子如果屋主住满五年,且没有欠HDB的钱(比如向银行贷款),就可将整套房子租出去.而如果屋主向HDB贷款的期限在10年以上,则只有在10年后, 才能将整套屋子租出去.  ----------------------------------------所谓独乐乐不如众乐乐.这就是[公益]的由来.----------------------------------------

[此贴子已经被作者于2007-2-25 9:58:44编辑过]

Asylia · 发表于 24-2-2007 11:22:00|来自：新加坡

这个要帮顶！[em17]

hitex · 发表于 24-2-2007 10:13:00|来自：新加坡

<h4>官方网站</h4><h5>资料一:满足什么条件,可以向HDB申请贷款</h5><a href="http://www.hdb.gov.sg/fi10/fi10201p.nsf/WPDis/Financing%20Your%20Home%20(e-Financing)HDB%20Housing%20Loan%20-%20Who%20Can%20Apply?OpenDocument&SubMenu=HDB_Housing_Loan">http://www.hdb.gov.sg/fi10/fi10201p.nsf/WPDis/Financing%20Your%20Home%20(e-Financing)HDB%20Housing%20Loan%20-%20Who%20Can%20Apply?OpenDocument&SubMenu=HDB_Housing_Loan</a>Flat buyers can apply for an HDB loan if you and / or your essential occupiers (if any): <table border="0"><tbody><tr valign="top"><td width="15"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="28">(a)</td><td width="12"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="451">have at least one buyer who is a Singapore citizen;</td></tr><tr valign="top"><td width="15"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="28">(b)</td><td width="12"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="451">have a monthly household income not exceeding $8,000; </td></tr><tr valign="top"><td width="15"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="28">(c)</td><td width="12"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="451">have not previously taken two or more HDB concessionary interest rate loans; </td></tr><tr valign="top"><td width="15"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="28">(d)</td><td width="12"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="451">have previously taken one HDB concessionary interest rate loan and one housing subsidy and buying a bigger flat type than your current flat or the flat last owned (if you currently do not own an HDB flat); </td></tr><tr valign="top"><td width="15"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="28">(e)</td><td width="12"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="451">have previously taken one HDB concessionary interest rate loan and one housing subsidy and the residential property last disposed off is not a private property;</td></tr><tr valign="top"><td width="15"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="28">(f)</td><td width="12"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="451">do not own any private residential property (including HUDC flat / Executive Condominium) in Singapore or overseas;</td></tr><tr valign="top"><td width="15"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="28">(g)</td><td width="12"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="451">do not own more than one market / hawker stalls or commercial / industrial property in Singapore or overseas; </td></tr><tr valign="top"><td width="15"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="28">(h)</td><td width="12"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="451">own one market / hawker stall or commercial / industrial property and operate the business yourself;</td></tr><tr valign="top"><td width="15"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="28">(i)</td><td width="12"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="451">are buying a 5 room or smaller resale flat under the Single Singapore Citizen (SSC) Scheme with a gross monthly income of less than $3,000. </td></tr></tbody></table>  <h5 style="MARGIN: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in;">资料二:拥有HDB贷款的同时,在卖房上的限制</h5> <a href="http://www.hdb.gov.sg/fi10/fi10203p.nsf/WPDis/Selling%20Your%20FlatMinimum%20Occupation%20Period?OpenDocument">http://www.hdb.gov.sg/fi10/fi10203p.nsf/WPDis/Selling%20Your%20FlatMinimum%20Occupation%20Period?OpenDocument</a> <table class="body" border="0"><tbody><tr valign="top"><td width="56">(d)</td><td width="630" colspan="2">Resale Flat bought in the open market (without CPF Housing Grant Scheme)  </td></tr><tr valign="top"><td width="56"></td><td width="630" colspan="2">2½ years from effective date of resale if the owner takes a loan from HDB:</td></tr><tr valign="top"><td width="686" colspan="3"></td></tr><tr valign="top"><td width="56"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="630" colspan="2">1 year from the effective date of resale if </td></tr><tr valign="top"><td width="56"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="24"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="606"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td></tr><tr valign="top"><td width="56"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="24">i.</td><td width="606">the owner has not taken a loan from HDB; or </td></tr><tr valign="top"><td width="56"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="24">ii.</td><td width="606">he has refinanced HDB market interest rate loan with the bank/financial institution; or </td></tr><tr valign="top"><td width="56"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="24">iii.</td><td width="606">he has taken a loan from the bank/financial institution to finance the purchase; or </td></tr><tr valign="top"><td width="56"><img height="1" alt="" src="http://www.hdb.gov.sg/icons/ecblank.gif" width="1" border="0"/></td><td width="24">iv.</td><td width="606">he has fully redeemed the market interest rate loan obtained from HDB.  </td></tr></tbody></table><h5 style="MARGIN: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in;">资料三:拥有HDB贷款的同时,在租房上的限制</h5> <a href="http://www.hdb.gov.sg/fi10/fi10206p.nsf/WPDis/Subletting%20Your%20Flat%20/%20RoomPolicies%20-%20Subletting%20of%20Whole%20Flat?OpenDocument&SubMenu=Policies">http://www.hdb.gov.sg/fi10/fi10206p.nsf/WPDis/Subletting%20Your%20Flat%20/%20RoomPolicies%20-%20Subletting%20of%20Whole%20Flat?OpenDocument&SubMenu=Policies</a><div class="ContentColorBlue"> </div>You have satisfied a 5-year or 10-year Minimum Occupation Period (MOP)<ul type="disc"><li>You have occupied your flat for at least 5 years and do not have an outstanding HDB loan; or </li><li>You have occupied your flat for at least 10 years, regardless of your mortgage loan status i.e. you may have an outstanding HDB loan.</li></ul>  ----------------------------------------所谓独乐乐不如众乐乐.这就是[公益]的由来.----------------------------------------

[此贴子已经被作者于2007-2-25 10:00:26编辑过]

helen1028 · 发表于 24-2-2007 15:02:00|来自：新加坡

[em06]

good99 · 发表于 24-2-2007 21:51:00|来自：新加坡

不是公民就不用研究了。当然，LZ做了好事，只是，把题目改成公民才来关心最好。

hitex · 发表于 25-2-2007 02:02:00|来自：新加坡

这个贴子的对象主要是正打算购买HDB的PR们.在优惠的2.6%利率前,大家多少都抱有一些愿望.而这个贴子就是让大家对HDB的贷款有一个全面的认识.   ----------------------------------------所谓独乐乐不如众乐乐.这就是[公益]的由来.----------------------------------------

[此贴子已经被作者于2007-2-25 10:02:08编辑过]

老曲塌霸 · 发表于 25-2-2007 11:17:00|来自：新加坡

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