【贷款】什么情况下可以转为HDB贷款？谢谢

kaixin666

如果是公民，3年银行的商业贷款期满后，可否转为HDB贷款呢？谢谢。:_lgll

sysg

貌似是可以的。可以电邮询问HDB 的官员，他们回信蛮快的。

不过目前HDB 的利息一般比银行高啊

emmaz

我记得是不可以，作为citizen，如果你开始没拿政府的贷款的话，后面就不允许再使用HDB贷款了。

cj654123

如果是公民，3年银行的商业贷款期满后，可否转为HDB贷款呢？谢谢。
kaixin666 发表于 3-11-2009 08:03

现在不可以。

除非卖掉房再买新的。

kaixin666

回复 2# sysg


    谢谢。

kaixin666

回复 3# emmaz


    还有这个说法啊，那没希望了。

kaixin666

回复 4# cj654123


    谢谢你。。。

sysg

sorry 我查了一下

已经拿了HDB loan 的可以转为bank loan，但是已经拿了BANK LOAN 的不能转为HDB LOAN。只能在买下一个HDB 的时候跟HDB 拿LOAN

http://www.hdb.gov.sg/fi10/fi102 ... licies?OpenDocument


Refinancing

Existing HDB mortgagors can choose to transfer their remaining mortgages to the banks if they wish to refinance their loans with the banks.

Mortgagors who refinanced their existing HDB loan with the bank will not be allowed to refinance that loan with HDB subsequently.

SPR flat owners who have refinanced their HDB loan with the bank (as well as those SPR flat owners who had taken bank loans upfront for the purchase of their flat) also cannot refinance that bank loan with HDB after they have obtained Singapore Citizenship even if they are eligible for an HDB concessionary loan. Instead, they can enjoy the HDB concessionary loan when they next purchase an HDB flat, subject to their loan eligibility at the point of application.