摘自http://www.mnd.gov.sg/， 欢迎大家讨论
MEASURES TO MAINTAIN A STABLE AND SUSTAINABLE PROPERTY MARKET
1 The ** announced today the following measures to maintain a stable and sustainable property market:
1. Increase the holding period for imposition of Seller’s Stamp Duty (SSD) from the current one year to three years.
2. For property buyers who already have one or more outstanding housing loans1 at the time of the new housing purchase:
1. Increase the minimum cash payment from 5% to 10% of the valuation limit2; and
2. Decrease the Loan-to-Value (LTV) limit for housing loans granted by financial institutions regulated by MAS to these buyers from the current 80% to 70%.
The measures will take immediate effect on 30 August 2010.
2 The **’s objective is to ensure a stable and sustainable property market where prices move in line with economic fundamentals. The property market is currently very buoyant. While the rate of price increase of private residential properties has moderated in the last 3 quarters, prices have still increased significantly by 11% in the first half of 2010, and price levels have now exceeded the historical peak in the second quarter of 1996.
3 While Singapore has enjoyed strong economic growth in the first half of 2010, our economic growth is expected to moderate in the second half of the year. There are also still uncertainties in the global economy. Should economic growth falter and the market corrects, property buyers could face capital losses, with implications on their own finances and the economy as a whole. Moreover, the current low global interest rate environment will not continue indefinitely, and higher interest rates could have severe implications for buyers who have overextended themselves. Therefore, the ** has decided to introduce additional measures now to temper sentiments and encourage greater financial prudence among property purchasers.
Extending the Holding Period for Imposition of Seller’s Stamp Duty (SSD) on Residential Properties Sold from 1 Year to 3 Years
4 The ** imposed in February 2010 a seller’s stamp duty (SSD) for sellers who buy residential properties3 on or after 20 February 2010 and sell them within a year of purchase.
5 For residential properties bought4 on or after 30 August 2010, SSD will be imposed if these properties are sold within three years of purchase. Specifically, the SSD levied on residential properties will be revised to as follows:
1. Sold within the first year of purchase, i.e. the property is held for 1 year or less from its purchase date – The full SSD rate (1% for the first $180,000 of the consideration, 2% for the next $180,000, and 3% for the balance) will be imposed.
2. Sold within the second year of purchase, i.e. the property is held for more than 1 year and up to 2 years – 2/3 of the full SSD rate.
3. Sold within the third year of purchase, i.e. the property is held for more than 2 years and up to 3 years – 1/3 of the full SSD rate.
No SSD will be payable by the vendor if the property is sold more than 3 years after it was bought. Please see Annex for examples of how the SSD will be computed.
6 The extended SSD will not affect HDB lessees as the required Minimum Occupation Period for HDB flats is at least 3 years.
7 IRAS will be releasing an updated e-tax guide on the circumstances under which SSD will apply and the procedures for paying SSD. The e-tax guide will be available at www.iras.gov.sg. Taxpayers with enquiries may call IRAS at 6351 3697 or 6351 3698.
Increase the Minimum Cash Payment from 5% to 10% of the Valuation Limit for Property Purchasers with one or more outstanding Housing Loans
8 Previously, property buyers have to make cash payment of at least 5% of the valuation limit5. With effect from 30 Aug 20106, the cash payment is increased from 5% to 10% of the valuation limit7. This measure is applied only to buyers of private residential properties, Executive Condominiums, HUDC flats and HDB flats (including those under the Design, Build and Sell Scheme, or DBSS flats) who are taking housing loans from financial institutions regulated by MAS and who already have one or more outstanding housing loans at the time of applying for a housing loan for the new property purchase.
Decrease the LTV limit for housing loans granted by financial institutions regulated by MAS from the current 80% to 70% for Property Purchasers with one or more outstanding Housing Loans
9 The LTV limit is lowered from 80% to 70% with effect from 30 Aug 20108 for borrowers who have one or more outstanding housing loans (whether from HDB or a financial institution regulated by MAS) at the time of applying for a housing loan for the new property purchase. Borrowers who do not have any outstanding housing loans continue to have an LTV cap of 80%. These rules apply to housing loans granted by financial institutions for private residential properties, Executive Condominiums, HUDC flats and HDB flats (including DBSS flats).
10 Loans granted by HDB for HDB flats (including DBSS flats) will still have an LTV cap of 90%. HDB loans are offered to eligible first-time flat buyers and second-timers who are right-sizing their flats to meet their housing needs. They are required to utilise all of their CPF Ordinary Account balance before HDB loans will be granted. Furthermore, those taking a second concessionary HDB loan must use the CPF refund and 50% of the cash proceeds from the sale of their previous flat before they are granted an HDB loan. This is in line with HDB’s home ownership policy of helping eligible buyers, especially first-time buyers, purchase public housing in a financially prudent manner.
11 Financial institutions’ lending standards have remained prudent and the asset quality of housing loans has stayed robust, with the non-performing loans ratio at less than 1% as at Q2 2010. Nonetheless, there are signs that more housing loans are originating at higher LTV bands of above 70%. In line with the objective of ensuring a stable and sustainable property market, lowering the LTV limit sends a clear signal to financial institutions to maintain credit standards, and encourages greater financial prudence among property purchasers already servicing one or more outstanding housing loans.
Adequate Supply in the Pipeline
12 The ** will also continue to ensure that there is adequate supply of housing to meet demand. In the second half 2010 GLS Programme, we have made available sites that can yield about 13,900 private housing units, of which about 8,100 units will be from sites on the Confirmed List. This is the highest potential supply quantum in the history of the GLS Programme. We will inject an even larger supply of private housing in the first half 2011 GLS Programme, if demand continues to be strong.
13 Apart from the supply from the GLS Programme, there are also 61,800 uncompleted units of private housing from projects in the pipeline as at 2Q20109. Of these, 32,600 units were available or could be made available for sale. These comprised units that had been launched for sale by developers, units that had pre-requisite conditions for sale10 and which could be launched for sale immediately, as well as units with planning approvals for which pre-requisite conditions for sale could be obtained quickly from the ** and made available for sale11.
14 The ** will continue to monitor the property market closely and will introduce additional measures if required later, to promote a stable and sustainable property market.
*****
1 Financial institutions are required to conduct checks with HDB and with one or more credit bureaus on whether the buyer has an outstanding housing loan at the time of applying for a housing loan for the new property purchase. For joint buyers, if either buyer has an outstanding housing loan, the joint buyers will be considered as having an outstanding housing loan.
2 This is in addition to the cash over valuation amount that has to be paid in cash.
3 The SSD will apply to the transfer or disposal of interest (including sale and gifts) of residential lands and residential units (whether completed or uncompleted).
4 The date of purchase for computation of the holding period for SSD shall be the date when a buyer (i.e. Buyer A) exercises the option to purchase the property, or signs the sale and purchase agreement, whichever is earlier. The date of resale of the property shall be the date when the subsequent buyer (i.e. Buyer B) exercises the option to purchase the property from Buyer A, or signs the sale and purchase agreement, whichever is earlier.
5 The amount of CPF monies plus housing loan taken for the purchase of the property cannot exceed 95% of the valuation limit (defined as the lower of property value or property price).
6 The 10% minimum cash payment will apply to transactions where the date on which the option to purchase (OTP) was granted falls on or after 30 August 2010; or if there is no OTP, where the date of the sale and purchase agreement falls on or after 30 August 2010.
7 Therefore, the amount of CPF monies plus housing loan that can be used for the purchase of the property will be reduced from 95% to 90%.
8 The 70% LTV limit will apply to transactions where the date on which the option to purchase (OTP) was granted falls on or after 30 August 2010; or if there is no OTP, where the date of the sale and purchase agreement falls on or after 30 August 2010.
9 These refer to new development and redevelopment projects with planning approvals, i.e. either a Provisional Permission (PP) or Written Permission (WP).
10 These refer to private residential developments with Housing Developer Licence and Building Plan Approval. Under the Housing Developer (Control and Licensing) Act, a sale licence must be obtained for a project with more than 4 units, if the developer intends to sell uncompleted residential units in the development. However, the sale of the residential units can only commence with the approval of the building plans of the development.
11 These refer to uncompleted private residential developments without pre-requisites for sale but with WP or PP granted. The sale licences could be obtained within 5 working days and building plan approvals could be obtained within 7 working days from the date of application for cases where clearances from various technical agencies are obtained and relevant documents are in order during formal submissions.
Issued by: Ministry of National Development, Ministry of Finance and Monetary Authority of Singapore
Date: 30 August 2010
（新加坡讯）为了防止房地产市场过热，ZF今天早上宣布更多房市降温措施。，措施包括：
从今天起购买私人房屋或私宅地皮，若3年内转售，卖方须交印花税。
申请第二套或以上的房贷，金融机构的房贷借贷比率顶限从现有的80%降低至70％，而支付现金也从目前估价限额的5%增到10%。
另外，建屋局宣布，购买非津贴组屋的公众必须住满5年才能出售、出租和购买私人产业。
此外，一旦购买非津贴组屋，必须在六个月之内出售其私人产业。
对要购买私宅的，是好消息。
好像还有购买非津贴组屋5年后才能购买私宅….
另外，建屋局宣布，购买非津贴组屋的公众必须住满5年才能出售、出租和购买私人产业。
此外，一旦购买非津贴组屋，必须在六个月之内出售其私人产业。
这招比较狠! 公民/PR买组屋都需要服刑满5年才能有其他投资. 先买公寓的, 若要买组屋.就无法公寓/组屋兼得了. 看来ZF下决心打击拿组屋来炒作了.
感觉组屋市场肯定要降温, 但是公寓还难说. 说不准买不到组屋的都跑去买公寓了. 这样一来,以后组屋市场和公寓市场是不是关联会比较小了?
组屋和大众私宅会同时下跌….
现在这个新名词是： 组屋监…..
不知道JW那套45W的4房卖掉没有。
政策出台真快，希望可以降温。。。
ZF出招还是很快的, 应该有一定的效果.
回复 1# hotmale2009
“Increase the Minimum Cash Payment from 5% to 10% of the Valuation Limit for Property Purchasers with one or more outstanding Housing Loans”
这是啥，难道除去贷款部分70% 其余30% 不是都要用现金吗？是否指CPF部分不得超过20%？
针对无津贴的二手组屋这个5年MOP一实施，更大的可能是现阶段很多准备买二手组屋的PR可能会转而购买大众公寓
我觉得不会出现＂很多＂，毕竟同样大小的组屋和公寓价格相差挺大，而且首府比例还增加了．
现在组屋COV和公寓首付相差已经不是很大了，如果还要再被绑定5年，换我是绝对转去买公寓了。问题是公寓3年内出手要付印花税，投资的话可能会牺牲点获利。
那拿了ZF津贴的要几年后才能卖呢？
拿了ZF津贴的人，一直以来就是必须住满5年才可以卖的。
这次是针对没有拿津贴的人而言。
不知道你前段时间买组屋的行动是否已经开始了没有？
如果没有，这样一来，把你想买组屋的念头给彻底粉碎了。
这样你可以不用纠结了。
回复 17# 平凡又平凡
那就是说拿了3万和不拿3万都是得住满五年才能卖。
你就不拿白不拿了。
但是也得有条件才能拿到啊。
回复 20# 平凡又平凡
我们什么都没拿，不打算要那3万。
觉得这对于没拿ZF津贴不想等而有想买组屋的人不公平啊！
你有条件拿，你不拿。在某种意义上来说，不拿白不拿。
但是，如果你拿了，也只是暂时的，卖房子的时候得吐出来的。
大家不要用自己的角度去猜度大多数买组屋的买家的心思。要换位思考。大多数买家，是小夫妻，刚工作不久，需要自己的小家，没有你们那些小心思，不太考虑短期内出售自己好不容易买到的组屋，也不太考虑短期内就能去再买第二套房子来投资。人家买了就是住，头5年内工作和收入出现大的升幅可能性不大，因此投资房产机会不大。这个新政策锁住的就是工作有一段时间有不少积蓄的投资散户，也就是你们了，年到中年，手头有闲钱，第一套房子也基本付清了。当然，也锁住了更有钱的投资者们。所以，我认为组屋市场的高成交价和高溢价问题会得到解决了。普通人能买得起较好的房子了。
回复 23# 平凡又平凡
以前刚买的时候是PR，不能拿。
后来比较关注国内的房地产，把钱放了进去。
英文不太好，对这边行情不懂，
就没有多大兴趣在这边买。
天生对金钱比较迟钝，
有资格拿3万了，也没去拿，
现在进来先学习学习。
回复 24# 望山
阿山哥太小看这些小年青了。
据分析国内大款，贪官的二代基本不选新加坡，
来这边的青年才俊，很多是中产阶级的后代，
拿下PR，很快就能买房，家里拿几十万人民币出来支持一下还是大有人在的。
学历不会很低，薪水也不低，
生了孩子家里老人还能帮帮忙。
现在国内楼市一涨，许多中产阶级卖掉其中一套房，也能帮孩子在这边付个首付。
许多是买下组屋，两三年后就有能力付公寓的首付，然后以自己不低的收入办下贷款。
自己住公寓，提升生活质量。组屋出租，付贷款。
相信这新政策一出，对许多人是很有打击的。
回复 26# 小小一片云
云妹说的有道理。代沟就是这样形成地。
无缘组屋了， 也好， 让我醒了，新ZF 确实不错。
5年无缘公寓了，也好，让我醒了，新ZF确实不对。
回复 23# 平凡又平凡
平凡妹，这2万那还是不拿，有什么限制？？能具体说给山哥吗？
现在差别不大了，以前是不拿津贴3年可以卖，拿了津贴要5年，现在一律5年了。还有就是resale levy了。再给你一次link:loveliness:
http://www.hdb.gov.sg/fi10/fi103 … rGrant?OpenDocument
好像明白一点了，我也住得更踏实了。
有条件就拿。因为现在拿和不拿是一样的。
你早拿，早用。即使是以后要还，现在拿的2万和以后还的2万价值是不一样的。
我建议你能拿就拿。
特别是现在的政策，更应该拿。
回复 33# 平凡又平凡
平凡妹，如果是家庭组成为，1公民，1PR，1公民婴儿，是可以拿3万吧？ 还有那个gross monthly household income 是如何计算的呢？是基于每月工资单，还是拿过去1年的总薪水+花红平均起来算？
如果2口子薪水每月加起来刚好8050，那如何申请？
回复 31# whataday
这个链接看了。就是说，如果你不买第二套享受subsidy的组屋，你就不必交这个levy 多谢 whataday
是津贴组屋吧
类似的帖子真多啊
不是也提高顶限到1万了吗？
非津贴啊，大侠….
津贴的本来就不可以买….
回复 39# 武当大侠
有吗？没看到啊。只是说10000以下可以买DBSS EC什么的
您引用错了吧？
斗鸡眼了…….
赏板砖一枚，让您醒醒～
另外顺便恭喜一下您还好出手早没被HDB新政影响到
感觉也没啥好处….
第二套房承担能力更低了…. 如果之前能负担100万私宅首付，现在就能80万都负担不了了….
房价又不可能下调这么多…. 这对我是个大利空…….. 啊
恩，是滴，新加坡法律太严格，不符合国内贪官口味
法律太严，贪二代的钱钱也不容易被忽悠掉，呵呵。
新条例一直出