2024年4月3日，新加坡國家發展部長李智陞在國會上關於，回復後港區議員陳立峰有關於建屋發展局在審批貸款和總額時的考慮因素的議題。

以下內容為新加坡眼根據國會英文資料翻譯整理：

陳立峰（後港區）先生問國家發展部長

（a）建屋發展局在批准貸款申請和額度時依據的主要因素有哪些？

（b）申請人的組屋貸款資格和確定最高貸款金額的信用評估是否基於申請人申請購屋資格通知書時的財務狀況？

（c）建屋發展局是否會採納購屋資格通知書提交之後的信息更新？例如收入增加。

國家發展部長兼主管社會服務整合事務部長李智陞：建屋發展局在評估房屋貸款申請時會考慮多個因素，如工作穩定性、公積金繳款和每月現金儲蓄。在計算可用的貸款金額時，建屋發展局會適用一套抵押融資指導方針，如最長貸款期限為25年，貸款限制為80%，最大按揭比率（MSR）為30%，年利率下限為3.0%，以確保貸款行為審慎。

自2023年5月起，組屋買家需要申請購屋資格通知書，在購房之前對他們的住房和資金選擇進行全面了解和評估。購屋資格通知書提前告知購房者他們是否有資格購買新的或轉售的公寓，公積金購屋津貼和組屋貸款，包括申請人各自的補助金和貸款金額情況。

此前，一些申請人可能在建屋發展局的銷售活動中申請了預購組屋（BTO），但後來發現他們沒有資格獲得貸款購買組屋。此外，由於房屋資助資格以前是在預定單位後評估的，一些申請人在發現自己沒有足夠的公積金津貼來支持購買後，可能也不得不中止申請。

因此，購屋資格通知書提前向組屋申請人明確了他們有資格獲得的貸款和津貼，以便他們能夠制定購房預算並相應地按計劃購買組屋。該通知書更加便捷，無須像之前在購屋過程的不同階段提交多個文件。

對於選擇HDB組屋貸款的組屋買家，最大貸款金額是基於他們在申請購屋資格通知書時的12個月的平均月收入。這樣可以更一致地評估申請人的收入水平，尤其是對那些收入每月波動的人來說。

如果由於申請人後續變化而需要更大的貸款，任何重新評估都會影響其他申請參數。例如，由於申請人的家庭收入變化，住房貸款和津貼金額可能會發生變化。這就是為什麼收入和津貼評估需要在同一時間點進行，以便客觀公正地進行評估。

符合延遲收入評估資格條件的夫婦可以在預約取鑰匙的時候進行入息評估，以獲得更多公積金購屋津貼和建屋發展局住房貸款。他們還可以從分期付款計劃中受益，在該計劃中，他們簽署租賃協議時應支付的首付款減少到房價的2.5%。

以下是英文質詢內容：

Mr Dennis Tan Lip Fongasked the Minister for National Development (a) what are HDB's main considerations when approving housing loan applications and loan quantum; (b) whether the applicant’s eligibility for a housing loan and the credit assessment to determine the maximum loan amount is based on the financial position of the applicants at the time of the application for a HDB Flat Eligibility (HFE) letter; and (c) whether HDB will take into consideration updated information provided after the date of the HFE application such as information showing an increase in earnings.

Mr Desmond Lee: In assessing the Housing & Development Board (HDB) housing loan applications, HDB considers various factors, such as job stability, Central Provident Fund (CPF) contributions and monthly cash savings. In computing the eligible loan amount, HDB applies a set of mortgage financing guidelines, such as a maximum loan tenure of 25 years, loan-to-value limit of 80%, maximum Mortgage Servicing Ratio (MSR) of 30% and interest rate floor of 3.0% per annum to ensure prudent borrowing.

Since May 2023, flat buyers are required to apply for an HDB Flat Eligibility (HFE) letter, which provides a holistic understanding and assessment of their housing and financing options before they commence their home-buying journey. The HFE letter informs flat buyers upfront of their eligibility for a new or resale flat purchase, CPF housing grants and HDB housing loan, including the respective grant and loan amounts. Previously, some applicants may have applied for a BTO flat during HDB's sales exercise, only to find out later that they were not eligible for a loan to buy an HDB flat. In addition, as housing grant eligibility was previously assessed after flat booking, some applicants may also have had to abort their applications, after finding out that they would not have sufficient grants to support their purchase. The HFE letter thus offers upfront clarity to flat applicants on the amount of loan and grants that they are eligible for, so that they can work out their housing budget and plan their flat purchase accordingly. It also makes it more convenient for them by not requiring the submission of documents at multiple stages of the flat application process.

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For flat buyers taking up an HDB housing loan, the maximum loan amount is based on their average monthly incomes over an assessment period of 12 months, at the time of their HFE letter application. This allows for a more consistent assessment of applicants' income levels, especially for those whose incomes fluctuate from month to month.

If a larger loan is required due to subsequent changes in applicants' circumstances, any reassessment will affect the other application parameters as well. For example, both the housing loan and grant amounts may change as the household income of the applicants changes. This is why income and grant assessments need to be done at the same point of time, so that the assessment is done objectively and fairly. Couples who fulfil the eligibility conditions for deferred income assessment may have their income assessed nearer to their key collection appointment for both the Enhanced CPF Housing Grant and HDB housing loan. They may also benefit from the Staggered Downpayment Scheme where the initial downpayment payable when they sign the Agreement for Lease is reduced to 2.5% of the flat price.

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