政府上星期六就新加坡嘅房屋貸款實施咗一項新嘅 MAS 裁決. 琴日, 我參加咗一個同 OCBC Bank 合作舉行嘅公司簡報會，詳細解釋咗佢.
根據新規定, 借款人嘅總債務服務比率 (Tdsr。) 唔可以超過 60%. 咁即係借款人嘅總債務義務 (including property loan) must not exceed 60% of his/her gross monthly income. A standardised method of calculating TDSR and borrower income has also been established, 僅 70% of the borrower’s variable, bonus and rental income being recognised.
The MAS ruling is aimed at discouraging people from over-stretching their finances to buy second or even third properties as investments. This is the latest ruling in a series of property cooling measures that the Singapore government has been implementing in an effort to dampen the property market.
The impact of this latest measure is expected to be small, due to the average Total Debt Servicing Ratio of banks in Singapore ranging from 40 自 50% prior to the new ruling. 然而, the cooling measures have managed to curb growth in resale property prices, as well as the demand for private properties in the central region. Instead, many buyers are flocking to new suburban developments such as J Gateway at Jurong East MRT, which saw all of its 738 units snapped up in the same weekend as the new ruling on housing loans.
Do feel free to leave comments or drop me a line at 83187083 if you have any questions about the new housing loan ruling.