HDB没有还清贷款是不是不可以二次抵押贷款呢？
wana1234 • • 30100 次浏览最近投资需要一些钱，想问一下手里的HDB可以抵押贷出一些钱吗？如果可以利率多高？我只知道 这边很多银行 personal loan可以贷出差不多4个月的薪水，分6个月，1年，2年或者3年还清，利率还挺高的，差不多有6%以上。不知道还有其他的方式可以贷款吗？谢谢
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#1
HDB就算还清了也不能抵押贷款, 是不是? 等大神们来回答.
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#2
Cash Out Refinancing
Singaporeans usually make money from their flat by renting it or selling it. Cash out refinancing provides a third alternative.
For example: Say you own a flat that’s worth S$1.6 million, on which you still owe the bank S$300,000. But now you are facing an emergency – perhaps you need money for medical care, or to look after another family member. Instead of taking out more expensive personal loans, you use do cash out refiancing using your flat. For example, you can borrow S$500,000 using your flat as collateral. In effect, you would now owe S$800,000 on the flat, but you would have S$500,000 in cash. This is why a cash out refiancing is also called a “reverse” or “second” mortgage – you are taking back the money you’ve already paid for the flat.
Cash Out Refinancing is only an option for private housing. You cannot do this with your HDB flat.
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wana1234 楼主#3
谢谢楼主，看来 HDB是不可以了