Home Loan Documents required for AIP submission
Here are the documents required. We are sorry we will have to reject incomplete submissions (But we will help guide you if you are not sure.)
***Private and HDB new loan **
Documents required (both sets if joint applicants)
1.) Option to purchase (or sales and purchase agreement) (if have)
2.) Both Side of NRIC (for Citzens and PR) and Passport for foreigners
3.) CPF Latest statement
a) 15 month contribution history
b) Property withdrawal statement
c) Ordinany account balance
d) My HDB Page finance info (Log in with sing pass
http://www.hdb.gov.sg/MyHDBPage.)
4.) Notice of Assessment (Latest 2 years)
5.) Salary Slip (Latest 6 months)
6.) Rental Contract Stamped Certificate (from IRAS) – (if property is
rented out)(if have)
*** FOR Refinance Private and HDB ***
Documents required (both sets if joint applicants)
1.) Both Side of NRIC (for Citzens and PR) and Passport for foreigners
2.) CPF Latest statement
a) 15 month contribution history
b) Property withdrawal statement
c) Ordinany account balance
d) My HDB Page finance info (Log in with sing pass
http://www.hdb.gov.sg/MyHDBPage.)
3.) Notice of Assessment (Latest 2 years)
4.) Salary Slip (Latest 6 months)
5.) Rental Contract Stamped Certificate (from IRAS) – (if property is
rented out (if have)
6.) Current Bank loan statement (Latest 6 month) (HDB loan latest 12 month)
enquiry@propertyloan.com.sg
or SMS 9455 1623
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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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Property Summary
| | Latest Property Cooling Measures Summary - 11th March 2017 |
| | |
| | For 1st property loan: 80%, for 30yrs or up to age 65. 60% 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 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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