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MAS新政今天发布，感觉在帮外国投资客的节奏
TDSR Rules on Refinancing Fine-tuned
Singapore, 1 September 2016… The Monetary Authority of Singapore (MAS) announced today that the refinancing rules under the Total Debt Servicing Ratio (TDSR) framework will be fine-tuned to allow borrowers more flexibility in managing their debt obligations. This is in response to feedback from some borrowers who are unable to refinance their existing property loans owing to the application of the TDSR threshold of 60 per cent.
2 The TDSR framework and threshold will continue to apply to new property loans. The refinements being introduced for refinancing of loans will enable borrowers to better manage their existing debts. They do not represent a relaxation of property market cooling measures.
Refinancing of owner-occupied housing loans
3 Under current rules, for owner-occupied residential properties bought before the introduction of TDSR, a borrower may be exempted from the TDSR framework when he refinances his housing loan.
4 MAS will now extend the same concession on refinancing to all owner-occupied residential properties, including those bought after the introduction of TDSR1. This adjustment recognises that all new housing loans would have been subjected to the TDSR framework at inception.
Refinancing of investment property loans
5 Currently, for properties that were purchased for investment before the introduction of TDSR, borrowers can refinance above the TDSR threshold of 60 per cent if they commit to debt reduction plans when refinancing their loans.
6 MAS will now allow a borrower to refinance his investment property loan above the TDSR threshold, regardless of when the property was purchased, if he meets the following two conditions2:
(a) commits to a debt reduction plan with his financial institution to repay at least 3 per cent of the outstanding balance over a period of not more than 3 years; and
(b) fulfils his financial institution’s credit assessment.
7 MAS reiterates the importance for borrowers to exercise prudence and reduce their debt burdens, as the current low interest rate environment will not persist indefinitely. Borrowers will face higher mortgage repayments when interest rates rise.
8 The revised rules will take immediate effect3. Please refer to the Annex for a summary of the rules.
9 MAS Deputy Managing Director, Mr Ong Chong Tee, said: “The TDSR is a structural measure to encourage prudent borrowing by households. The adjustments announced today will help borrowers to refinance their existing property loans at lower interest rates and better manage their debt obligations over time. They do not apply to loans for new property purchases and are not an easing of the property cooling measures.”
1 The same concession will be extended to the Mortgage Servicing Ratio limit of 30 per cent for the refinancing of housing loans relating to HDB flats and Executive Condominiums that are owner-occupied.
2 This includes a loan secured on a borrower’s equity in a property.
3 This supersedes the 10 February 2014 announcement where a transition period ending 30 June 2017 was given to borrowers who purchased their properties prior to the introduction of TDSR to refinance their investment property loans above the TDSR threshold.
***
Annex
.
Singapore, 1 September 2016… The Monetary Authority of Singapore (MAS) announced today that the refinancing rules under the Total Debt Servicing Ratio (TDSR) framework will be fine-tuned to allow borrowers more flexibility in managing their debt obligations. This is in response to feedback from some borrowers who are unable to refinance their existing property loans owing to the application of the TDSR threshold of 60 per cent.
2 The TDSR framework and threshold will continue to apply to new property loans. The refinements being introduced for refinancing of loans will enable borrowers to better manage their existing debts. They do not represent a relaxation of property market cooling measures.
Refinancing of owner-occupied housing loans
3 Under current rules, for owner-occupied residential properties bought before the introduction of TDSR, a borrower may be exempted from the TDSR framework when he refinances his housing loan.
4 MAS will now extend the same concession on refinancing to all owner-occupied residential properties, including those bought after the introduction of TDSR1. This adjustment recognises that all new housing loans would have been subjected to the TDSR framework at inception.
Refinancing of investment property loans
5 Currently, for properties that were purchased for investment before the introduction of TDSR, borrowers can refinance above the TDSR threshold of 60 per cent if they commit to debt reduction plans when refinancing their loans.
6 MAS will now allow a borrower to refinance his investment property loan above the TDSR threshold, regardless of when the property was purchased, if he meets the following two conditions2:
(a) commits to a debt reduction plan with his financial institution to repay at least 3 per cent of the outstanding balance over a period of not more than 3 years; and
(b) fulfils his financial institution’s credit assessment.
7 MAS reiterates the importance for borrowers to exercise prudence and reduce their debt burdens, as the current low interest rate environment will not persist indefinitely. Borrowers will face higher mortgage repayments when interest rates rise.
8 The revised rules will take immediate effect3. Please refer to the Annex for a summary of the rules.
9 MAS Deputy Managing Director, Mr Ong Chong Tee, said: “The TDSR is a structural measure to encourage prudent borrowing by households. The adjustments announced today will help borrowers to refinance their existing property loans at lower interest rates and better manage their debt obligations over time. They do not apply to loans for new property purchases and are not an easing of the property cooling measures.”
1 The same concession will be extended to the Mortgage Servicing Ratio limit of 30 per cent for the refinancing of housing loans relating to HDB flats and Executive Condominiums that are owner-occupied.
2 This includes a loan secured on a borrower’s equity in a property.
3 This supersedes the 10 February 2014 announcement where a transition period ending 30 June 2017 was given to borrowers who purchased their properties prior to the introduction of TDSR to refinance their investment property loans above the TDSR threshold.
***
Annex
.
2 个回答
TDSR框架调整 再融资者将享更大灵活性
金融管理局今天宣布，从即日（9月1日）起为向银行申请再融资（refinance）的屋主，调整总偿债率（TDSR）限制框架。屋主若要重新申请房贷，当局将不再对TDSR出台前以及TDSR出台后的房子进行区分。
这个新调整意味着部分在申请再融资时面临困难的屋主，能享有更大灵活性。新调整预计主要惠及为投资型屋子进行再融资的屋主。这是TDSR限制自2013年6月出台以来，第二次进行调整。
在现有TDSR限制下，房贷借贷者所有债贷每月的摊还款额，不得超过收入的60％。那些在限制出台前，购买自住型屋子的屋主，进行再融资时，不受这个限制规定。在限制出台后，购买自住型屋子的屋主，进行再融资时，则受这个限制规定。
金融管理局今天宣布，从即日（9月1日）起为向银行申请再融资（refinance）的屋主，调整总偿债率（TDSR）限制框架。屋主若要重新申请房贷，当局将不再对TDSR出台前以及TDSR出台后的房子进行区分。
这个新调整意味着部分在申请再融资时面临困难的屋主，能享有更大灵活性。新调整预计主要惠及为投资型屋子进行再融资的屋主。这是TDSR限制自2013年6月出台以来，第二次进行调整。
在现有TDSR限制下，房贷借贷者所有债贷每月的摊还款额，不得超过收入的60％。那些在限制出台前，购买自住型屋子的屋主，进行再融资时，不受这个限制规定。在限制出台后，购买自住型屋子的屋主，进行再融资时，则受这个限制规定。
此外，在现有TDSR限制下，那些在限制出台前，购买投资型屋子的屋主，进行再融资时，也可超过60％限制，但前提是他们进行再融资时，必须承诺他们会致力于减少债务。在限制出台后，购买投资型屋子的屋主，进行再融资时，则会受这个限制规定。
今天公布的新调整，不再对TDSR出台前以及TDSR出台后的房子进行区分。凡购买自住型屋子的屋主，进行再融资时，都不再受TDSR限制。凡购买投资型屋子的屋主，进行再融资时，只要符合两个条件，也不再受TDSR限制。
这两个条件是：一、投资型屋主必须向银行承诺，在不超过三年的期限内，偿还至少3%剩余的贷款。二、投资型屋主必须符合银行的信用评估。
另一方面，针对执行共管公寓（EC）实施的房贷偿债比率（MSR）限制也有类似惠及重新贷款者的调整。MSR限制是在2013年12月出台，限制买家每月偿还的房贷付款不得超过月收入的30%。
金管局强调，这次对TDSR的调整，不代表对房地产降温措施放宽。TDSR限制将继续约束所新房贷申请。