东方肥狗

利息涨了，到时想不换也不行呀。
被逼卖房子的人，应该是那些有好几套的人吧？
对于买来自住的人来说，守住是必须的。守不住也得守，死守，要不住哪呀。

goldenstar

影响的，本来就是缩减贷款杠杆的。

提升每月还款应该很多人还行，那个首付升去60%就相当黑暗了

夕阳剪影

goldenstar 发表于 9-10-2012 12:32
影响的，本来就是缩减贷款杠杆的。

提升每月还款应该很多人还行，那个首付升去60%就相当黑暗了 ...

俺特意去MAS网页看了一下原文：


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 fornew 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.

貌似只在35年贷款年限cap的第9条提到适用于refinancing loans
而在第10条关于降低贷款年限超过30年/还贷年龄超过65岁的LTV时，提到只是适用于 new residential property loans