【国会发言】新加坡国会告诉你:在审批房屋贷款金额时会考虑这些因素

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2024年4月3日,新加坡国家发展部长李智陞在国会上关于,回复后港区议员立峰有关于建屋发展局在审批贷款和总额时的考虑因素的议题。

以下内容为新加坡眼根据国会英文资料翻译整理:

陈立峰(后港区)先生问国家发展部长 (a)建屋发展局在批准贷款申请和额度时依据的主要因素有哪些?

(b)申请人的组屋贷款资格和确定最高贷款金额的信用评估是否基于申请人申请购屋资格通知书时的财务状况?

(c)建屋发展局是否会采纳购屋资格通知书提交之后的信息更新?例如收入增加。

 

国家发展部长兼主管社会服务整合事务部长李智陞:建屋发展局在评估房屋贷款申请时会考虑多个因素,如工作稳定性、公积金缴款和每月现金储蓄。在计算可用的贷款金额时,建屋发展局会适用一套抵押融资指导方针,如最长贷款期限为25年,贷款限制为80%,最大按揭比率(MSR)为30%,年利率下限为3.0%,以确保贷款行为审慎。

 

自2023年5月起,组屋买家需要申请购屋资格通知书,在购房之前对他们的住房和资金选择进行全面了解和评估。购屋资格通知书提前告知购房者他们是否有资格购买新的或转售的公寓,公积金购屋津贴和组屋贷款,包括申请人各自的补助金和贷款金额情况。

 

此前,一些申请人可能在建屋发展局的销售活动中申请了预购组屋(BTO),但后来发现他们没有资格获得贷款购买组屋。此外,由于房屋资助资格以前是在预定单位后评估的,一些申请人在发现自己没有足够的公积金津贴来支持购买后,可能也不得不中止申请。

 

因此,购屋资格通知书提前向组屋申请人明确了他们有资格获得的贷款和津贴,以便他们能够制定购房预算并相应地按计划购买组屋。该通知书更加便捷,无须像之前在购屋过程的不同阶段提交多个文件。

 

对于选择HDB组屋贷款的组屋买家,最大贷款金额是基于他们在申请购屋资格通知书时的12个月的平均月收入。这样可以更一致地评估申请人的收入水平,尤其是对那些收入每月波动的人来说。


如果由于申请人后续变化而需要更大的贷款,任何重新评估都会影响其他申请参数。例如,由于申请人的家庭收入变化,住房贷款和津贴金额可能会发生变化。这就是为什么收入和津贴评估需要在同一时间点进行,以便客观公正地进行评估。

 

符合延迟收入评估资格条件的夫妇可以在预约取钥匙的时候进行入息评估,以获得更多公积金购屋津贴和建屋发展局住房贷款。他们还可以从分期付款计划中受益,在该计划中,他们签署租赁协议时应支付的首付款减少到房价的2.5%。

 

新加坡国会告诉你:在审批房屋贷款金额时会考虑这些因素

以下是英文质询内容:

 Mr Dennis Tan Lip Fong asked the Minister for National Development (a) what are HDB’s main considerations when approving housing loan applications and loan quantum; (b) whether the applicant’s eligibility for a housing loan and the credit assessment to determine the maximum loan amount is based on the financial position of the applicants at the time of the application for a HDB Flat Eligibility (HFE) letter; and (c) whether HDB will take into consideration updated information provided after the date of the HFE application such as information showing an increase in earnings.

Mr Desmond Lee: In assessing the Housing & Development Board (HDB) housing loan applications, HDB considers various factors, such as job stability, Central Provident Fund (CPF) contributions and monthly cash savings. In computing the eligible loan amount, HDB applies a set of mortgage financing guidelines, such as a maximum loan tenure of 25 years, loan-to-value limit of 80%, maximum Mortgage Servicing Ratio (MSR) of 30% and interest rate floor of 3.0% per annum to ensure prudent borrowing.

 Since May 2023, flat buyers are required to apply for an HDB Flat Eligibility (HFE) letter, which provides a holistic understanding and assessment of their housing and financing options before they commence their home-buying journey. The HFE letter informs flat buyers upfront of their eligibility for a new or resale flat purchase, CPF housing grants and HDB housing loan, including the respective grant and loan amounts. Previously, some applicants may have applied for a BTO flat during HDB’s sales exercise, only to find out later that they were not eligible for a loan to buy an HDB flat. In addition, as housing grant eligibility was previously assessed after flat booking, some applicants may also have had to abort their applications, after finding out that they would not have sufficient grants to support their purchase. The HFE letter thus offers upfront clarity to flat applicants on the amount of loan and grants that they are eligible for, so that they can work out their housing budget and plan their flat purchase accordingly. It also makes it more convenient for them by not requiring the submission of documents at multiple stages of the flat application process.

 For flat buyers taking up an HDB housing loan, the maximum loan amount is based on their average monthly incomes over an assessment period of 12 months, at the time of their HFE letter application. This allows for a more consistent assessment of applicants’ income levels, especially for those whose incomes fluctuate from month to month.

 If a larger loan is required due to subsequent changes in applicants’ circumstances, any reassessment will affect the other application parameters as well. For example, both the housing loan and grant amounts may change as the household income of the applicants changes. This is why income and grant assessments need to be done at the same point of time, so that the assessment is done objectively and fairly. Couples who fulfil the eligibility conditions for deferred income assessment may have their income assessed nearer to their key collection appointment for both the Enhanced CPF Housing Grant and HDB housing loan. They may also benefit from the Staggered Downpayment Scheme where the initial downpayment payable when they sign the Agreement for Lease is reduced to 2.5% of the flat price.

 

 

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新加坡国会告诉你:在审批房屋贷款金额时会考虑这些因素

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