新加坡国会告诉你：在审批房屋贷款金额时会考虑这些因素

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.

FS丨编辑

HQ丨编审

新加坡国会丨来源