请问现在各银行的refinace 利率

有这么高吗？ 跟我看到MAYBANK的不一样你可以自己去HOUSINGLOANSG.COM 去比较现在个大银行的最新利率。

你可以自己去HOUSINGLOANSG.COM 去比较现在个大银行的最新利率。

我也在这个网站查过我也在这个网站查过，跟实际银行给的差距很大，所以才上来问一下。我也在这个网站查过，跟实际银行给的差距很大，所以才上来问一下。

DBS？以前听说过比较低以前听说过比较低

应该不会吧，我两年前做re-finance 的时候也是来这里看，蛮准。你可以直接在上面选择，然后银行的人就会主动联系你。你可以直接在上面选择，然后银行的人就会主动联系你。

我选的stand charted - "1month sibor + 0.8%"这几年利率比较低，所以那时直接选floating rate， lock in period 3 年，普遍预计到2015年底利率才会上升，所有到时候我们看情况要不要lock-in 一完，就全部还清。现在如果要选房贷，我个人意见是选头三年fix rate, 3年后floating rate 比较保险和自由。这几年利率比较低，所以那时直接选floating rate， lock in period 3 年，普遍预计到2015年底利率才会上升，所有到时候我们看情况要不要lock-in 一完，就全部还清。现在如果要选房贷，我个人意见是选头三年fix rate, 3年后floating rate 比较保险和自由。

求问两年前贷款拿的40年 现在刚TOP refinance是不是年数也要调整的两年前贷款拿的40年 现在刚TOP refinance是不是年数也要调整的

Refinance 要千万小心，LOAN TENURE 最多35年，而且新的loan amount拿不到之前那么多

1） 你的是在2年前签的house loan, 应该是在2012年10月6号前。所以可以那到40年的LOAN　 TENURE.现在拿不到了。最多35年甚至更少，我再发一个新帖讲讲这个方面。

The maximum tenure of all new residential property loans will be capped at 35 years.　 In addition, loans exceeding 30 years tenure will face significantly tighter loan-to-value (LTV) limits. This will apply to both private properties and HDB flats. The new rules will take effect from 6 October 2012.

2） 除了这个loan tenure, 你的loan还会受到TDSR的限制。你的家庭总收入的=/<60%可以用来供房贷。你的房贷如果不是自住，是投资，现在如果超过60%的限制，MAS允许现有房贷延迟到2017年6月30号，之后你的房贷一定要确保符合60%的规定。MAS Broadens Exemption from TDSR Threshold for Refinancing of Owner-Occupied Residential Properties Purchased before the Implementation of TDSR Rules

Singapore, 10 February 2014… The Monetary Authority of Singapore (MAS) has received feedback from borrowers who face challenges refinancing loans for owner-occupied properties which were bought before the introduction of the Total Debt Servicing Ratio (TDSR) rules. MAS has decided to broaden the existing exemption from the TDSR threshold of 60 per cent for such loans to ease the debt servicing burden of these borrowers.

Refinancing of owner-occupied property loans

2　 　Under the revised rules, a borrower who bought a residential property before the TDSR rules were introduced – i.e. the Option to Purchase (OTP) of the residential property was granted before 29 June 2013 – will be exempted from the TDSR threshold as long as he occupies the residential property that is being refinanced.1 This is a concession compared to the current rules, which also require that he does not own any other property, or have any other outstanding property loan.

3　 　The Mortgage Servicing Ratio (MSR) will also not apply to the refinancing of loans for HDB flats and Executive Condominiums (ECs) that are owner-occupied and were purchased before their respective MSR implementation dates.2

4　 　A similar concession will apply with regard to loan tenures, for residential properties purchased before the respective implementation dates for the loan tenure limits.3 In such cases, borrowers whose loan tenures for their owner-occupied residential properties exceed the current regulatory limits4 will be allowed to maintain the remaining tenures of their loans at the point of refinancing.

Refinancing of investment property loans

5　 　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.

6　 　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.

7　 　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.　

8　 　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.　

9　 　The revised rules will take immediate effect.

1） 你的是在2年前签的house loan, 应该是在2012年10月6号前。所以可以那到40年的LOAN　 TENURE.现在拿不到了。最多35年甚至更少，我再发一个新帖讲讲这个方面。

The maximum tenure of all new residential property loans will be capped at 35 years.　 In addition, loans exceeding 30 years tenure will face significantly tighter loan-to-value (LTV) limits. This will apply to both private properties and HDB flats. The new rules will take effect from 6 October 2012.

2） 除了这个loan tenure, 你的loan还会受到TDSR的限制。你的家庭总收入的=/<60%可以用来供房贷。你的房贷如果不是自住，是投资，现在如果超过60%的限制，MAS允许现有房贷延迟到2017年6月30号，之后你的房贷一定要确保符合60%的规定。MAS Broadens Exemption from TDSR Threshold for Refinancing of Owner-Occupied Residential Properties Purchased before the Implementation of TDSR Rules

Singapore, 10 February 2014… The Monetary Authority of Singapore (MAS) has received feedback from borrowers who face challenges refinancing loans for owner-occupied properties which were bought before the introduction of the Total Debt Servicing Ratio (TDSR) rules. MAS has decided to broaden the existing exemption from the TDSR threshold of 60 per cent for such loans to ease the debt servicing burden of these borrowers.

Refinancing of owner-occupied property loans

2　 　Under the revised rules, a borrower who bought a residential property before the TDSR rules were introduced – i.e. the Option to Purchase (OTP) of the residential property was granted before 29 June 2013 – will be exempted from the TDSR threshold as long as he occupies the residential property that is being refinanced.1 This is a concession compared to the current rules, which also require that he does not own any other property, or have any other outstanding property loan.

3　 　The Mortgage Servicing Ratio (MSR) will also not apply to the refinancing of loans for HDB flats and Executive Condominiums (ECs) that are owner-occupied and were purchased before their respective MSR implementation dates.2

4　 　A similar concession will apply with regard to loan tenures, for residential properties purchased before the respective implementation dates for the loan tenure limits.3 In such cases, borrowers whose loan tenures for their owner-occupied residential properties exceed the current regulatory limits4 will be allowed to maintain the remaining tenures of their loans at the point of refinancing.

Refinancing of investment property loans

5　 　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.

6　 　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.

7　 　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.　

8　 　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.　

9　 　The revised rules will take immediate effect.

年数调整倒是不担心当年UOB给的这个Sibor pack 第三年的时候就要2.88了 整个人都不好了
所以refinance后就算年数减少 相差也不是特别大
但是这个60%很疑惑 因为我和男盆友准备结婚
然后他也有一套 我们各自的房产都是在个人名下
那结婚了这个60%是按照一个人算还是两个loan加起来两个人算

之前好像从你那拿了contact 我TOP大概还有一个多月 所以到时候联系他们就好了么？

非常感谢你的回答 ;)
当年UOB给的这个Sibor pack 第三年的时候就要2.88了 整个人都不好了
所以refinance后就算年数减少 相差也不是特别大
但是这个60%很疑惑 因为我和男盆友准备结婚
然后他也有一套 我们各自的房产都是在个人名下
那结婚了这个60%是按照一个人算还是两个loan加起来两个人算

之前好像从你那拿了contact 我TOP大概还有一个多月 所以到时候联系他们就好了么？

非常感谢你的回答 ;)

看你的房子是在谁的名下如果2人共同拥有，就是看你们两人每月总收入的60%；如果是放在个人名下，要看个人收入的60%。（假如你月收入1万，这不是简单的说你这套屋月供6千，是要扣除你的其他月贷后）。下面的图表就非常清楚告诉你如何计算TDSR threshold 60%


如果2人共同拥有，就是看你们两人每月总收入的60%；如果是放在个人名下，要看个人收入的60%。（假如你月收入1万，这不是简单的说你这套屋月供6千，是要扣除你的其他月贷后）。下面的图表就非常清楚告诉你如何计算TDSR threshold 60%

看来只能自己抗默默的叹口气。。。默默的叹口气。。。

如果他大方的话，叫他自动自发还点房贷哈哈。你男朋友不会也在狮城帮上吧？

本来买屋子的时候，可以放在两个人名下，你99%，他1%。银行贷款应该就没问题。哈哈。你男朋友不会也在狮城帮上吧？

本来买屋子的时候，可以放在两个人名下，你99%，他1%。银行贷款应该就没问题。