HDB 贷款太少, APPEAL 得过吗？请帮忙看

chivaslife88

我的贷款批下来只有154千 ， 因为老公不是新加坡人，是WORK PERMIT HOLDER 。 我打去HDB希望可以APPEAL 。 然后HDB OFFICER就打来说他们可以考虑我们的APPEAL , 会电邮我需要的资料。 电邮内容是这样的：

APPEAL FOR BIGGER HDB HOUSING LOAN

            

            We refer to your appeal for a HDB housing loan.

2          Under our current credit assessment guidelines, only applicants' income can be considered for credit assessment for a loan.  Flat occupier's income are not taken into account for loan assessment.  As your husband,  is a non-citizen and can only be listed as an occupier, we are unable to consider his income for loan assessment.

3          Nevertheless, in view of your circumstances, we are prepared to seek a special approval to consider your  husband's income for loan assessment.  Please let us have the documents listed in the attached Annex for our evaluation of your case。

请问有人遇过这种情况吗，机会被批准会高吗？

pl

目前为止没有遇到过这种情况，但是信里面已经说的很明白了，赶紧交资料给HDB审查吧。
你一个人只能贷15万，额度很小，如果手头没有很多现金，2手的三方式组屋基本上也要25万以上，所以看到这封HDB的回信，我个人认为appeal还是蛮有希望的。

chivaslife88

想问下信的意思是，他们可以考虑把我老公的薪水考虑在贷款里面对吗？ 因为怕自己读错意思。。

dan2

    Nevertheless, in view of your circumstances, we are prepared to seek a special approval to consider your  husband's income for loan assessment.  Please let us have the documents listed in the attached Annex for our evaluation of your case。
意思大概是说， 根据你的情况， 我们可能准备帮住你去试试可不可以加上你老公的薪水去申请贷款， 请把需要的资料发给我们。谢谢

chivaslife88

哦哦哦。。 明白了。。谢谢哦 ！

fantl

请问楼主appeal 成功了么

liulina

同问楼主appeal 成功了么? 有朋友的老婆不是PR, 所以apply loan不能加老婆的薪水， 结果不够loan.