【国会发言】高级政务部长陈杰豪：建屋局会根据不同情况，对购买组屋的申请者做审核

陈立锋先生向国家发展部长询问：

（a）在申请组屋贷款时需要提供哪些工作、业务或收入方面的信息，这些信息需要多长时间的记录；

（b）在信息要求上是否对（i）受雇人士和（ii）自雇人士有所区分。

国家发展部高级政务部长陈杰豪先生（代表国家发展部长）回答：议员先生，建屋发展局（HDB）进行信用评估，以评估贷款申请人按月偿还房屋贷款的能力，评估基于申请人12个月的平均月收入。

所有申请人，无论其就业性质如何，都需要通过Myinfo提供中央公积金（CPF）缴交记录和最新的所得税评估通知书。若需要更多证明文件，HDB会联系申请人。

与一般受雇人士每月收到的中央公积金缴交额可以用来支付房屋贷款不同，自雇人士可以完全以现金支付房屋贷款。因此，他们需要提供信用报告和银行对账单，以评估其财务状况及每月偿还贷款的能力。

议长：陈立锋先生。

后港区的陈立锋先生：感谢高级政务部长的回答。HDB在评估自雇人士收入时是否会有不同的考虑，以顾及企业主或自雇人士可能不会定期支付自己的情况？例如，HDB是否会把呈报给新加坡税务局（IRAS）的年度收入纳入考量？

第二，当业务收入可能有所波动时，例如在短期内自雇人士的业务收入显著增加，HDB是否能在申请时灵活考虑收入的上升趋势？

陈杰豪先生：先生，简短回答议员的问题是，若申请人有特定情况，HDB会逐案审查。根本原则是确保购买组屋、申请HDB组屋的人能够按月偿还贷款。

因此，有收入评估标准，审查不同收入的资格，具体细节在HDB官网上，哪些收入形式会被考虑，包括新加坡税务局的报税单和中央公积金缴交记录。这些都会被综合考虑。因此，如果议员遇到需要一定灵活性或逐案审查的申请人，请告知HDB，我们会进行审核。

Mr Dennis Tan Lip Fong asked the Minister for National Development (a) what is the information on job, business or income which HDB will require from a person who is making a housing loan application and what is the time period required for such information; and (b) whether there is any distinction between the information required for (i) employed persons and (ii) self-employed persons.

The Senior Minister of State for National Development (Mr Tan Kiat How) (for the Minister for National Development): Sir, the Housing and Development Board (HDB) conducts credit assessments to gauge the financial ability of loan applicants to service monthly mortgage instalments, based on the applicant’s income. The assessment is carried out when the applicant applies for an HDB Flat Eligibility (HFE) letter and is based on the applicant’s average monthly income over a period of 12 months.

All applicants, regardless of the nature of their employment, are required to provide their CPF contribution history and latest Notice of Assessment for income tax, through Myinfo. HDB will reach out to applicants if further supporting documents are needed.

Unlike employed persons who generally receive monthly CPF contributions from work that can be used to pay mortgage instalments, self-employed persons typically pay their mortgage instalments fully in cash. Hence, they are required to provide their Credit Bureau Report and bank statements for an assessment of their financial position and their ability to pay their mortgage instalments every month.

Mr Speaker: Mr Tan.

Mr Dennis Tan Lip Fong (Hougang): I thank the Senior Minister of State for the answer. Does and will the HDB give different considerations in their assessment of the income of the self-employed to take into account that the business owner or the self-employed may not pay themselves regularly? For example, would the HDB take into account the annual income as declared to the Inland Revenue Authority of Singapore (IRAS)?

Number two, where the business income may vary. For example, even in a short period of time where a self-employed’s business income trajectory increases considerably, can the HDB exercise some flexibility to look at the uptrend of the income at the time of the application?

Mr Tan Kiat How: Sir, the short answer to the Member’s question is, that HDB will review on case-by-case basis if the applicant has some specific circumstances. The underlying principle is to make sure that whoever is buying a flat, applying for HDB flat, can service the monthly mortgage payments.

That is why, there is an income assessment criteria, looking at eligibility of the different incomes – the details are on HDB’s website – what form of income will be considered, the IRAS statements and the CPF contributions. These are all taken in totality. So, if the Member comes across cases where the applicant requires certain flexibility or case-by-case review, please flag them to HDB and we will take a look.

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