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Labels: home loan singapore, home loans, Housing loan singapore, housing loans, property loan singapore, property loans
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Latest Updates --- Property Loans

Interest rate for Residential property BUC

Package 1- 0 Years Lock In
1.22% year 1, Var(Sibor+0.5%)
1.27% year 2, Var(Sibor+0.55%)
1.32% year 3. Var(Sibor+0.6%)

Package 2- 0 Year Lock In
1.40% year 1, Var(FDPR+0.75%)
1.50% year 2, Var(FDPR+0.85%)
1.50% year 3. Var(FDPR+0.85%)

Interest rate for Residential property Completed

Package 3- 2 Year Lock In
1.37% year 1, Var(Sibor+0.65%)
1.42% year 2, Var(Sibor+0.7%)
1.47% year 3. Var(Sibor+0.75%)

Package 4 ~ 1 Years Lock in
1.41% year 1, Var(1MSibor+0.7%)
1.41% year 2, Var(1MSibor+0.7%)
1.41% year 3. Var(1MSibor+0.7%)

Interest rate for commercial property under operating company

Package 1- 2 Years Lock In
1.68% year 1, Var
1.98% year 2, Var
2.28% year 3. Var

Package 2- 1 Year Lock In
1.98% year 1, Fixed
2.38% year 2, Var
3.48% year 3. Var

Package 3- 2 Year Lock In (Owner Used)
1.68% year 1, Fixed
1.88% year 2, Var
6.00% year 3. Var

Under personal name

Package 1 ~ 1 Year Lock In
2.18% year 1, Fixed
2.38% year 2, Var
3.48% year 3. Var

Package 2 ~ 2 Years Lock in
2.18% year 1, Var
2.48% year 2, Var
2.78% year 3. Var

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enquiry@PropertyLoan.Com.Sg

Tel: 9455 1623

Property Summary

Latest Property Cooling Measures Summary - 11th March 2017

Loan to Valuation Limit from 12 Jan 2013

For 1st property loan: 80%, for 30yrs or up to age 65. 60% for exceeding 30yrs or 65 years old.

For 2nd property loan: 50%, for 30yrs or up to age 65 yrs old. 30%, for exceeding 30yrs or 65 years old

For 3rd property loan onwards: 40% for 30yrs or up to age 65 yrs old. 20%, for exceeding 30yrs or 65 years old


Additional Buyer Stamp Duty from 12 Jan 2013

For Citizen: 0% for 1st property, 7% for 2nd property, 10% for 3rd and subsequent property

For PRs: 7% for the 1st property, 10% for 2nd and onwards purchase.

For Foreigners and Non-individuals: 15% from 1st property onwards.


MSR Vs TDSR Computation

MSR For HDB Flat Loan = 30%

TDSR For Private Residential Property = 60%


Loan Tenor Available

HDB Loan - Maximum 25 Years

Bank Loan - Maximum 30 Years

Seller Stamp Duty - Latest 11 March 2017

Property Sold Within Year 1 - 12%

Property Sold Within Year 2 - 8%

Property Sold Within Year 3 - 4%

TDSR Not Applicable If - Latest 11 March 2017

Asset Rich Property Owners not subjected to TDSR if Mortgage Equity Withdrawal Loan to Loan -To-Value does not exceed 50% of Valuation !

Cash-Poor Retirees or Asset-Rich able to use residential properties as collateral to get cash. Free Advise & Call Us 94551263

Singapore Citizen Vs Singapore PR Buying HDB Flat

Singapore Permanent Resident (SPR) Households with no Singapore citizen owner, need to wait three years from the date of obtaining SPR status, before they can buy a resale HDB flat.


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TESTIMONIALS

"Thank you for helping me in Getting Money out from my property Without me having to move out and sell it ! If I have not know this website, I would have missed a lot of opportunity" - Daniel - Engineering Analyst

"Your Sincerity in helping me to SAVE MORE MONEY on top of my housing loan savings when refinancing by negotiating a Lower legal fees on conveyancing and Housing Loan interest rates than if I were to negotiate with the Lawyer and Banker myself. I Need Not have to pay anything to the Lawyer." - Mdm Koh -Training Consultant

"With over more than 40 types of banks' housing loan interest packages around to choose, Only Your Housing Loan Analysis System can help me make a Decisive decision on my home loan package needs based on my own risk and rewards profile which your System is the only One in Singapore that provide this service " - Linda Kwek - Foreign Bank Banker

"Your experience in structuring property loan help me to maintain the quality of my lifestyle in retirement and also solve my problem in getting infinite monthly income without me having to sell my house and depend on my children for living expenses - Mr Lim -Retired Teacher "

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