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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

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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