大拇指哥

这政策作用不大

cindyw03

对中年人打击最大，无论是提升，投资还是re-finance

大刚需

goldenstar 发表于 5-10-2012 22:25
我的认为就是现在的政策都不会很重磅，政府在和流动性博弈。

低利就是购屋者的底气。现在这个底气很足， ...

那金同学预测下，除了利息外，还有啥拳脚可以挥挥的，让俺思维也发散性下。。

大刚需

freesoul99 发表于 5-10-2012 22:24
细读了一下, 貌似10月6日以后refinance的loan也要符合规定啊? 这打击面有点大, 想想那些拿超过35年或65岁的 ...

赞，非常有道理

goldenstar

大刚需 发表于 5-10-2012 22:34
那金同学预测下，除了利息外，还有啥拳脚可以挥挥的，让俺思维也发散性下。。

大的好猜，小的不好猜。那个靠数据分析出来的，手术刀式

michael8330

上个礼拜，mas 重申legal subsidy , fire insrance , valuation 必须归纳在贷款顶限，促使众银行withdraw全部的津贴，今天又出这个限制，应该会使巿场冷静一下下。
就如金星所言，应该会时不时小打小闹，顶到两年后，众多的公寓与组屋落成之后，供应与需求平衡之后，让市场 慢慢调整。

HE-JUN

刚才新闻说了,贷款最长时间35年,最长贷款年纪不超过65㱑,第一套房屋贷款额不超过百分之60,第二套房贷不超过百分之40,够猛!

neoshock

新的条例 ：

New rules on loan tenure

9   The new MAS rules impose an absolute limit of 35 years on the tenure of all loans for residential property. This will apply to loans to both individual and non-individual borrowers, as well as refinancing loans1, from 6 October 2012.2   

10   In addition, MAS will lower the LTV ratio for new residential property loans to borrowers who are individuals, if:

the tenure exceeds 30 years; or
the loan period extends beyond the retirement age of 65 years.
For these loans, the LTV limit will be:

40% for a borrower with one or more outstanding residential property loans3; and
60% for a borrower with no outstanding residential property loan.
11   MAS will also lower the LTV ratio for residential property loans to non-individual borrowers from 50% to 40%.

***

1 Where a borrower applies for a refinancing facility in respect of any balance outstanding under a residential property loan, the sum of the tenure of the refinancing facility and the number of years since the first residential property loan granted to the borrower for the purchase of that residential property was first disbursed, cannot exceed 35 years.

2 The rules will apply to new loans granted to individuals and non-individual borrowers, by financial institutions regulated by MAS, for the purchase of residential property, if the date when the option to purchase was granted or, where there is no option to purchase, the date of the sale and purchase agreement, is on or after 6 October 2012.  For re-financing facilities, the rules will apply where the application date of such facilities is on or after 6 October 2012.

3 The outstanding loan may be either a loan from HDB or a financial institution regulated by MAS.

freesoul99

HE-JUN 发表于 5-10-2012 22:45:09
刚才新闻说了,贷款最长时间35年,最长贷款年纪不超过65㱑,第一套房屋贷款额不超过百分之60,第二套房贷不超过百分之40,够猛!

这样说法不准确。所谓房价40%或 60%的贷款, 根据原文, 是针对贷款期限超过三十年或年龄超过六十五岁的借贷者

紫麒麟

这个对HDB有影响的，比如PR买resale HDB就要40%的首付？还是只要贷款期限+年龄超过65岁了才有这样的限制？