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888888888888888888888888888888888888888888888888888888 @@@@@@@@@@@@@
FAQ: @@@@@@@@@@@@@ *How many years for my flat to met the resale eligibility criteria of Minimum Occupation Period (MOP)我的非津贴组屋必须住满几年方能出售? Answer: Resale Flat bought in the open market (without CPF Housing Grant Scheme) a)Resale application submitted before 4 March 2010三月四日之前= b)三月 5 March to 八月 29 Aug2010 之间= 3 years 年, c)after 30 Aug 2010 八月三十日之后 = 5 years 年. @@@@@@@@@@@@@ *What is the current Seller’s Stamp Duty (SSD)? Answer: SSD rates for residential properties which are bought on or after 14 January 2011, and are sold in the first, second, third and fourth year of purchase = 16%, 12%, 8% and 4% respectively. SSD rates for industrial properties which are bought on or after 12 January 2013, and are sold in the first, second and third year of purchase = 15%, 10% and 5% respectively. @@@@@@@@@@@@@ *What is the current Loan-To-Value (LTV) limit ? The measures will take effect on 12 Jan 2013
Limit of 35 years on the tenure of all loans for residential property IF tenure exceeds 30 years; or the loan period extends beyond the retirement age of 65 years. For these loans, the LTV limit will be: and MAS will also lower the LTV ratio for residential property loans to
non-individual borrowers from
*What is the previous Loan-To-Value (LTV) limit for first house loan? Answer: from 14 January 2011: a) 50% on housing loans
granted by financial institutions regulated by MAS for property purchasers
who are not individuals1. -------------- from 06 Oct 2012: a) 40% on housing loans
granted by financial institutions regulated by MAS for property purchasers
who are not individuals1. -------------- from 12 Jan 2013: a) 30% on housing loans
granted by financial institutions regulated by MAS for property purchasers
who are not individuals1. c)20% for property purchasers who are non-individuals
*所有住宅贷款不得超过35年 *所有非个人住宅贷款 LTV 不得超过20% *额外买方印花税(ABSD): 非个人或外国人=第一套房15%,第二套房15%,第三套房15% *工业厂房卖方印花税:1st year=15%, 2nd=10%, 3rd=5% *住宅卖方印花税:1st year=16%, 2nd=12%, 3rd=8%,4th=4%,5th=0% *************************
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Additional buyer's stamp duty
Additional stamp
duty: From 8 Dec 2011 for private property
The additional stamp duty
is in addition to the existing 3%. The ABSD will be imposed over and above the current Buyer's Stamp Duty, which are 1 per cent on the first $180,000 of purchase consideration or market value of the property (whichever is higher), 2 per cent on the next $180,000 and 3 per cent for the remainder. ================================ |
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