总结科普贴：拿中介回扣，中介违法，客户也违法！

1.中介给回扣是不合法！

CEA Ref: PC 04-18 Date: 12 July 2018　

Key Executive Officers Dear Sir/Mdm,　

FOR COMPLIANCE: PRACTICE CIRCULAR ON THE OFFERING OF BENEFITS BY ESTATE AGENTS AND SALESPERSONS VIA THIRD PARTY ENTITIES　

The Council for Estate Agencies (CEA) has received feedback regarding the giving of benefits in kind or cash, including “cash back programmes”, for new development sales.　

2 Paragraph 1.10 of the Professional Service Manual (PSM) states that: “Estate agents and salespersons shall not advertise or offer　any benefit in cash or kind, to any party in a transaction, so as to induce them to engage the services of the estate agents or salespersons. Estate agents and salespersons also shall not agree if any person initiates the request for them to offer such benefits. This practice of offering benefits as inducement is an unprofessional and unethical practice and brings disrepute and discredit to the estate agency industry.”　

3 Salespersons and estate agents who work with and/or use third parties to offer benefits,including through a “cash back programme”,　which results in the consumer engaging the services of the salespersons or estate agent　will be in breach of this Practice Circular.　It has come to CEA’s attention that one such third party being used to give such benefits is DirectHome Pte Ltd. The giving of direct or indirect benefits for new development sales to obtain clients, including through direct or indirect involvement in cash back schemes, is disreputable and tarnishes the professional image of the real estate agency industry.　

4 Estate agents and salespersons are not to participate in　any schemes where direct or indirect benefits　are given to a consumer in a new development sale transaction that ultimately results in the consumer engaging the services of the estate agent or salesperson. This includes “cash back” schemes from third parties that offer benefits to consumers in new development sale transactions.　

5 The obligation stated in paragraph 4 is in addition to existing duties and obligations under the Estate Agents Act, its Regulations, the Code of Ethics and Professional Client Care, and all Practice Guidelines and Circulars.

原文：

https://www.cea.gov.sg/docs/default-source/module/speech/fd93ae2c-bcd9-4f8a-a5fd-b74244acf0e2.pdf

2.各种形式的回扣，不声明是不合法的呵呵，不告诉银行就是非法的，金管局规定了解一下（感谢shaokunlun大侠的feng）Singapore, 6 September 2004...The Monetary Authority of Singapore (MAS) announced that banks must obtain a written declaration from a borrower on the amount of discount, rebate or benefit received for the purchase of a property when granting a housing loan.

2. The declaration should also include the amount of loans obtained by the borrower from other financial institutions or the seller for the purchase of the property. Buyers will have to disclose these amounts, including any private arrangements with the seller that are not reflected in the purchase price, in their loan applications to the banks.
原文：

https://www.mas.gov.sg/news/media-releases/2004/mas-specifies-procedures-under-housing-loans

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