6到10年的resale EC之贷款政策

也听人跟我说贷款政策是按二手HDB的来也听人跟我说贷款政策是按二手HDB的来,我也狐疑良久……查不到准确说法呢。不知出处哪里去寻？也听人跟我说贷款政策是按二手HDB的来,我也狐疑良久……查不到准确说法呢。不知出处哪里去寻？

6-10 yrs resale EC可以看作只有公民和PR可以买的私宅,所以，其贷款只受限于TDSR(60%)，而不受限于MSR(30%). 具体的可参照MND的press release:
http://app.mnd.gov.sg/Newsroom/NewsPage.aspx?ID=5023&category=Press%20Release&year=2013&RA1=&RA2=&RA3

7 Third, the Monetary Authority of Singapore (MAS) will cap the Mortgage Servicing Ratio (MSR) for housing loans granted by financial institutions for EC units bought directly from property developers at 30% of a borrower’s gross monthly income. This is in line with earlier measures introduced by the HDB and MAS to encourage financial prudence among buyers of public housing. It discourages EC buyers from over-stretching their finances and supports an affordable and sustainable EC market.

其中明确指明MSR只针对新的EC.所以，其贷款只受限于TDSR(60%)，而不受限于MSR(30%). 具体的可参照MND的press release:
http://app.mnd.gov.sg/Newsroom/NewsPage.aspx?ID=5023&category=Press%20Release&year=2013&RA1=&RA2=&RA3

7 Third, the Monetary Authority of Singapore (MAS) will cap the Mortgage Servicing Ratio (MSR) for housing loans granted by financial institutions for EC units bought directly from property developers at 30% of a borrower’s gross monthly income. This is in line with earlier measures introduced by the HDB and MAS to encourage financial prudence among buyers of public housing. It discourages EC buyers from over-stretching their finances and supports an affordable and sustainable EC market.

其中明确指明MSR只针对新的EC.

多谢指导!按二手HDB的贷款政策是一个banker跟我说的……让我非常怀疑他们的专业性……又说得辣么斩钉截铁……让我非常怀疑他们的专业性……又说得辣么斩钉截铁……

没事儿.... 妥妥的, 目测60%的限额也可以突破~ 你懂得banker 们也都懂得

不懂的就不去他们那里办了banker 们也都懂得

不懂的就不去他们那里办了

突然感觉仁僧又明亮了起来哈哈

没事儿, 利率起来就黯淡下去了... 别担心, 到时房价再跌一跌, 又再次明亮起来人生起起伏伏不过如此罢了人生起起伏伏不过如此罢了

作为被banker坑过的来说一般不熟悉的banker各种言论我都持保留意见，尤其有新政策出来时候必须要跟多家banker同时确认，甚至直接去问MAS一般不熟悉的banker各种言论我都持保留意见，尤其有新政策出来时候必须要跟多家banker同时确认，甚至直接去问MAS