为什么这样？求解。

立缘

我老公的二哥的事，他五年前45岁第一次买二手的HDB跟OCBC申请贷款给了26万，现在他50岁要还房子再去跟OCBC借钱只批准借13万，我就不懂了为什么这样呢？那位同学懂给指点一下吧。

hannahzgggg

贷款数额跟年龄有关系

maomaolaopo

同楼上 年龄和偿还能力有关系 有的信用卡也对申请者有年龄限制

pl

5年前还没有MSR和TDSR的政策。。。

pl

MSR	TDSR
The monthly repayment of a mortgage do not exceed 30% of the borrower's gross income	All monthly debt obligations, inclusive of the mortgage repayment, do not exceed 60% of the borrower's gross monthly income
Applies to all mortgages, whether by FIs or HDB, granted for the purchase of a HDB flat or an EC	Applies to all property loans, whether residential properties or otherwise, granted by FIs Hence HDB concessionary loans are exempted from it
When computing the MSR, the FI has to use a specified medium-term rate (3.5%), or the existing market rate, whichever is higher. For the HDB concessionary loan, the rate to be used is the prevailing rate of the loan which has remained at 2.60% p.a. since July 1999.	When computing the TDSR, the FI has to use a specified medium-term rate, or the existing market rate, whichever is higher. The specified rate: 3.5% for housing loans 4.5% for non-residential property loans
For refinancing, the MSR will not apply to loans for HDB flats and ECs that are owner-occupied, AND were purchased before their respective MSR implementation dates	For refinancing, the TDSR will not apply if the residential property is owner-occupied, AND the Option to Purchase (OTP) of the residential property was granted before 29 June 2013

立缘

pl 发表于 22-10-2015 08:47

中文的有吗？

立缘

maomaolaopo 发表于 22-10-2015 08:09
同楼上 年龄和偿还能力有关系 有的信用卡也对申请者有年龄限制

什么都没有他，只有这份房贷。

立缘

如果去别家银行试试会不同吗？

谷子仁

立缘 发表于 22-10-2015 09:23
如果去别家银行试试会不同吗？

感觉差别不会大。

Luckygal

收入和年龄有关系的。