tiezi

麻烦那些说可以的拿出事例来！

ERA地产顾问

如果是夫妻共同拥有HDB，想转为一个人名下，个人认为不是简单的割名就做得到的。

helenli12

问了一圈，更名问题不大。但是贷款是问题，现在不可以guanrantor了。

helenli12

一个人的收入想贷足够的款还是很有难度的

twsg

helenli12 发表于 2-1-2014 17:03
问了一圈，更名问题不大。但是贷款是问题，现在不可以guanrantor了。

摘錄自網路上的文章 給您參考!

4. All Owners to be Borrowers / Guarantors to be Joint-Borrowers MAS now required all owners of a property to be borrowers, and all guarantors to be joint-borrowers. Borrowers will be subject to the loan-to-value regulations. Essentially, the government is clamping down on home buyers who engage in proxy arrangements with other parties to intentionally dodge MAS restrictions that they would otherwise face.
For example, currently, someone with no outstanding home loan can borrow up to 80% of a property’s value. Someone with existing home loans can borrow a lot less (50% for the 2nd home loan and 40% for third and beyond).
As such, in the past, some home buyers would simply list another credit-worthy person (often the spouse or child) as a guarantor should the financial institutions require some “mortgage repayment surety” from them when buying a house. They would be considered a joint owner of the house. However, the guarantor did not technically have to be a borrower (hence not subject to a lower LTV % when he or she buyers the next property).
*Note: A guarantor is someone who promises to take on the home loan obligation, should the borrower default on it.
This meant you could have once borrowed up to 80% to buy a house, list your wife as a guarantor to secure the loan, and then have your wife loan up to 80% to buy another house (since she technically has no existing home loan tied to her name).
Bottom line is: A husband and wife team just got two 80% home loans when the government thinks that there should only have been one. In the scenario above, the wife will only be allowed up to 50% financing for the next house she buys.
How does this affect you?
The tactic we described above can no longer be used. Anyone who is an owner will be considered a borrower and this will affect the loan financing % for any future property purchase. Any guarantor will be treated equally as a borrower and his/her loan-to-value eligibility for any future property purchase will be affected accordingly.
*Note: A guarantor is not subject to the TDSR of 60%.

twsg

4. All Owners to be Borrowers / Guarantors to be Joint-Borrowers

MAS now required all owners of a property to be borrowers, and all guarantors to be joint-borrowers. Borrowers will be subject to the loan-to-value regulations. Essentially, the government is clamping down on home buyers who engage in proxy arrangements with other parties to intentionally dodge MAS restrictions that they would otherwise face.

For example, currently, someone with no outstanding home loan can borrow up to 80% of a property’s value. Someone with existing home loans can borrow a lot less (50% for the 2nd home loan and 40% for third and beyond).

As such, in the past, some home buyers would simply list another credit-worthy person (often the spouse or child) as a guarantor should the financial institutions require some “mortgage repayment surety” from them when buying a house. They would be considered a joint owner of the house. However, the guarantor did not technically have to be a borrower (hence not subject to a lower LTV % when he or she buyers the next property).

*Note: A guarantor is someone who promises to take on the home loan obligation, should the borrower default on it.

This meant you could have once borrowed up to 80% to buy a house, list your wife as a guarantor to secure the loan, and then have your wife loan up to 80% to buy another house (since she technically has no existing home loan tied to her name).

Bottom line is: A husband and wife team just got two 80% home loans when the government thinks that there should only have been one. In the scenario above, the wife will only be allowed up to 50% financing for the next house she buys.

How does this affect you?

The tactic we described above can no longer be used. Anyone who is an owner will be considered a borrower and this will affect the loan financing % for any future property purchase. Any guarantor will be treated equally as a borrower and his/her loan-to-value eligibility for any future property purchase will be affected accordingly.

*Note: A guarantor is not subject to the TDSR of 60%.

tiezi

helenli12 发表于 2-1-2014 17:03
问了一圈，更名问题不大。但是贷款是问题，现在不可以guanrantor了。

更名是第一个也是最大的问题，那些说可以的大多是主观推测和以讹传讹，拿不出成功案例。