Property Cooling Measures w.e.f. 12 January Version 2 dated 14 January 2013
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1 Property Cooling Measures w.e.f. 12 January 2013 Version 2 dated 14 January
2 The 7 th and most comprehensive round of property cooling measures since 2009 took effect on 12 January Sep Aug Dec Jan 2013 Interest absorption scheme (IAS) removed Jan 09 Budget assistance measures for property market were not extended GLS programme reinstated 19 Feb 2010 Max permissible loanto-value (LTV) limit reduced from 90% to 80% Seller s stamp duty (SSD) levied on sale of private residential property within a year of purchase SSD holding period increased to 3 with rates charged on a sliding scale of 3%, 2% & 1% For buyers with o/s HL, min cash down -payment increased from 5% to 10% of valuation limit & LTV from 80% to 70% MOP of non-subsidised HDB flats increased from 3 to 5 years (resale & subletting restriction) 14 Jan Oct 2012 SSD holding period increased to 4 & rates chargeable changed to 16%, 12%, 8% & 4% LTV 60% for 2 nd HL LTV 50% for companies Additional Buyer s Stamp Duty (ABSD): + 10% for foreigners + 3% for PRs buying 2 nd property + 3% for Spore buying 3 rd property above existing duty: 1% on the 1 st $180K 2% on the next $180K 3% on the remainder. Max tenure 35 years for purchase. LTV if > 30 or the sum of tenure & age > 65 (LTV 60% if no HL, 40% with 1 HL) Refinancing tenure 35 less no of years since 1 st HL disbursed LTV for companies from 50% to 40% ABSR: PR s 1 st property (5%) & Sporean s 2 nd property (7%). PR s 2 nd property & Sporean s 3 rd property at 10%. Foreigners & co. at 15%. LTV: 2 nd HL at 50% (30% if tenure > 30 years or loan past age 65). 3 rd HL at 40% (20% if tenure > 30 years or loan past age 65). For corporate entities, LTV from 40% to 20% Min Cash Down Payment: Applying for 1 st HL: No change, i.e. 5% & 10% if tenure > 30 years or loan extends past age nd & subsequent HL at 25% ( from 10%) Mortgage Service Ratio for HDB loan (purchase & refinancing): 30% of borrower s gross monthly income. PR HDB flat restriction: Sell flat within 6 months of private property purchase (BUC - 6 months from TOP/SCS) & cannot sublet whole flat CPF withdrawal restriction for HDB lease < 60 years (previously apply to private property only) EC construction & sale restrictions Seller s stamp duty on industrial properties 2
3 A. Property cooling measures affecting financing w.e.f. 12 Jan 2013 Items 1 Additional Buyer s Stamp Duty (ABSD) (over & above the existing buyer s stamp duty, i.e. 1% on the 1st $180K, 2% on the next $180K & 3% on the remainder) Table A Details PR s 1 st property at 5% & Singaporean s 2 nd property at 7%. PR s 2 nd property & Singaporean s 3 rd property at 10% Foreigners & companies at 15% Apply to Option to Purchase (OTP) dated on & after 12 Jan For BUC, OTP date will apply, or S&P date if no OTP (Previous rates apply to OTP on or before 11 Jan 2013 & exercised on or before 1 Feb 2013) 2 Loan-To-Value (LTV) 2 nd HL: LTV 50% (30% if tenure > 30 years or extends past age 65) 3 rd HL: LTV 40% (20% if tenure > 30 years or extends past age 65) For corporate entities, LTV reduced from 40% to 20% 3 Minimum Cash Down Payment 4 Mortgage Service Ratio (MSR) for HDB Loan 5 PR Cannot Own HDB & Private Property Concurrently Applying for 1 st HL: No change, i.e. 5%. If tenure > 30 years or loan extends past age 65, cash down payment is 10% Applying for 2 nd & subsequent HL: increased from 10% to 25% MSR for HDB Loan granted by Financial Institutions will be capped at 30% of borrower s gross monthly income. Applicable to purchase of HDB flats, and re-financing. PR household who fulfil the Minimum Occupation Period of 5 years must dispose their HDB flat within 6 months if they purchase a private property in Singapore (for property under construction, disposal within 6 months from TOP or CSC, whichever is earlier) 6 CPF Funds for HDB Rules on CPF usage for properties with lease less than 60 years previously applicable to private properties will now apply to HDB. Not allowed for lease less than 30 years 3
4 B. Other measures not related to financing S/N Items 1 HDB Flat Ownership & DSR Details Table B For loans granted by HDB, the Mortgage Service Ratio will be lowered from 40% to 35% PRs who own a HDB flat will be disallowed from subletting their whole flat PRs who own a HDB flat must sell their flat within 6 months from purchasing a private property (for property under construction, disposal within 6 months from TOP or CSC, whichever is earlier) 2 Executive Condominiums 3 Industrial Property Max strata floor area will be capped at 160 sq m Dual-key EC units will be restricted to multi-generational families Allowed to launch units for sale 15 months from award of site or after completion of foundation works, whichever is earlier Private enclosed spaces and roof terraces will be treated as gross floor area Seller s Stamp Duty on industrial property: - 15% if sold in the 1 st year of purchase - 10% if sold in the 2 nd year - 5% if sold in the 3 rd year 4
5 C. Summary changes to ABSD, LTV & Minimum Cash Down Payment Additional Buyer s Stamp Duty Singapore Citizens PRs Foreigners & Corporate Entitites Table C 1 st Property Purchase 2 nd Property Purchase 3 rd Property Purchase Previous New Previous New Previous New Nil Nil Nil 7% 3% 10% Nil 5% 3% 10% 3% 10% 10% 15% 10% 15% 10% 15% LTV & Min Cash Down Payment Loan-To-Value (Individuals) Loan-To-Value (Companies) Minimum Cash Down Payment 1 st Home Loan 2 nd Home Loan 3 rd Home Loan Previous New Previous New Previous New 80% or 60% ^ 80% or 60% ^ 60% or 40% ^ 50% or 30% ^ 60% or 40% ^ 40% or 20% ^ 40% 20% 40% 20% 40% 20% 5% (LTV 80%) 10%(LTV 60%) No change 10% 25% 10% 25% ^ If loan tenure is more than 30 years or loan extends past the age of 65 5
6 D. Additional Buyer s Stamp Duty (ABSD) ABSD Singapore Citizens PRs Foreigners & Corporate Entitites Table D 1 st Property Purchase 2 nd Property Purchase 3 rd Property Purchase Previous New Previous New Previous New Nil Nil Nil 7% 3% 10% Nil 5% 3% 10% 3% 10% 10% 15% 10% 15% 10% 15% ABSD is over and above the existing buyer s stamp duty based on the higher of the purchase price or market value, i.e. 1% on the 1 st $180,000, 2% on the next $180,000 & 3% on the remainder Total Stamp Duty on $1 mil Property Purchase Price Singapore Citizens PRs Foreigners & Corporate Entitites 1 st Property Purchase 2 nd Property Purchase 3 rd Property Purchase ABSD Total SD ABSD Total SD ABSD Total SD Nil $24,600 $70,000 $94,600 $100,000 $124,600 $50,000 $74,600 $100,000 $124,600 $100,000 $124,600 $150,000 $174,600 $150,000 $174,600 $150,000 $174,600 Note: Certain relief apply. Refer to IRAS website. 6
7 E. New Purchase of Residential Property by Individuals w.e.f. 12 Jan 13 (OTP/S&P Date) Table E No of Home Loan including this application 1st Home Loan 2nd Home Loan 3 rd & sub. Home Loan Loan Tenure Up to 30 Yrs 31 to 35 Yrs Up to 30 Yrs 31 to 35 Yrs Up to 30 Yrs 31 to 35 Yrs Sum of Tenure & Age of Borrower (at application) 65 > > > 65 Loan- To-Value 80% 60% 60% 50% 30% 30% 40% 20% 20% Cash Down Payment 5% 10% 10% 25% 25% 25% 25% 25% 25% Note: LTV for corporate entities is 20% 7
8 Disclaimer The information provided herein is intended for general information and discussion purposes only. It does not take into account the specific investment objectives, financial situation or particular needs of any particular person. Without prejudice to the generality of the foregoing, please seek advice from an independent financial and legal adviser regarding the information provided herein taking into account your specific objectives, financial situation or particular needs before you make a commitment to purchase any property and/or borrow from any entity or institution to finance the purchase of the property. This does not constitute an offer or solicitation to provide loan or financing to any particular person or to enter into a transaction. No representation or warranty whatsoever (including without limitation any representation or warranty as to accuracy, usefulness, adequacy, timeliness or completeness) in respect of any information (including without limitation any statement, figures, opinion, view or estimate) provided herein is given by OCBC Bank and it should not be relied upon as such. OCBC Bank does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time. All information presented is subject to change without notice. OCBC Bank shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein. The information provided herein may contain projections or other forward looking statement regarding future events or future performance of countries, assets or markets. Actual events or results may differ materially. Past performance figures are not necessarily indicative of future or likely performance. Any reference to any specific entity, authority, area, figures, property or asset class in whatever way is used for illustrative purposes only and does not constitute a recommendation on the same. This presentation and its contents are considered proprietary information and may not be reproduced or disseminated in whole or in part without OCBC Bank s written consent. 8
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