Topic of Interest: #Regulation&Policy (8,925 Articles Found)

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Three-year waiting period for PRs to buy resale flats

Newly-minted Singapore permanent residents will now have to wait three years before buying a resale public flat, instead of straightaway after they become PRs. The change, announced by MND Minister Khaw Boon Wan, applies to resale applications received…

New HDB measures target MSR and maximum loan tenure

HDB has further tightened rules on mortgages in the resale market, and discourage those who buy public flats from overspending. Resale flat buyers who take HDB loans can now only use up to 30 per cent of their…

DC rate hikes expected to be conservative

DC are generally expected to go up from Sept 1 on the back of higher land prices over the past six months. However, the pace of hikes may be conservative in line with the objective of promoting a…

Surge in new homes ‘will push rents, prices down’

A record surge in the supply of new homes is likely to trigger a drop in rents and prices by up to 15 per cent between now and 2016 amid tepid population growth, a report warned yesterday. A…

Ms Angela Zeng will be one of 8,000 owners of two-room HDB flats across the country who can benefit from a new “Step-Up” grant announced by PM Lee on Sunday. The grant targets low-income families currently staying in…

Housing grants a move in the right direction

While consultants concur that the grants outlined at Sun’s National Day Rally are a move in the right direction to promote home ownership, they vary in their assessment of the potential impact on the wider market. Amid other…

Improving the housing status quo

The PM’s speech provides a broad brush assurance that the Government is working hard to improve the status quo in the housing sector. On home ownership and upgrading, PM Lee has reaffirmed the Government’s objective to make home…

A guide to home loan refinancing

Refinancing your home loan might sound like a very complicated and obscure process. In fact, you might be asking yourself what the point of taking out a new loan, in order to pay for the old one is.…

Making public housing affordable for all

PM Lee turned housing agent last night, laying out the numbers that show how every working family in Singapore can afford their home. Announcing a new grant of up to $20,000 for middle-income buyers going for three- and…

Think twice before parking vehicle on a private road

If you think that parking in a landed estate is both convenient and free, you might want to think again and perhaps explore some other avenues for parking. That is because some roads in Singapore are private roads…

HDB a compassionate developer despite being the largest housing developer here

Property market set for 2016 supply avalanche

With previously locked-up homes getting ready to hit the market, it is timely to relook the SSD, to prevent a head-on collision with the record number of private homes that are expected to make it to the market…

Academic paper supports housing curbs for PRs, foreigners

The authors of an academic paper have backed the implementing of curbs on housing ownership and investments by PRs and foreigners as a way to manage demand in the property market. In fact, they have suggestions on how…

The number of approvals granted to PRs wanting to buy landed homes on mainland Singapore has fallen sharply, since the authorities further tightened the eligibility criteria in 2011. In the first six months of 2013, only six applications…

Helping single Singaporeans

We broke new ground with the July BTO when we enabled eligible singles to buy new 2-room HDB flats in non-mature estates. The policy change was initially met with scepticism. Many were reported to predict a lukewarm response.…

Home prices, housing affordability within reason

Not only are home prices within reason, housing affordability – measured by MDSR – is well within its historical norm. This would mean that Moody’s assertion that rapid loan growth and rising real estate prices have endangered the…

More qualify as first-timer couples for new flats

Second-time buyers will stand more chance of bagging a flat under the new rule changes. Those who have bought a HDB unit in the past and want to do so again with a new partner will now be…

The Government looks set to stick with an experiment to try to moderate land bids by developers even though price records were smashed in its first test this week. URA batches tender closing dates together in the hope…

More help for low-income singles to buy new flats

Low-income singles looking for their first new HDB flat will now be able to get up to $30,000 in extra subsidy if they apply on their own. This was one of the tweaks HDB announced on Tues during…

More help for low-income singles to buy new flats

HDB has launched more than 500 two-room flats, up to a third of which will be reserved for singles. The bulk of these new flats in the BTO exercise will be built in Sengkang and Yishun. HDB has…

After consultations with industry players, BCA has pushed back the implementation of new construction standards to Sep. The agency originally planned to raise the minimum buildability and constructability score requirements this month, as part of a wider series…

Cracks in EC prices’ glass ceiling

Tenders for three EC sites will close on the same day, July 30. This unprecedented timeline has been designed by the Government to moderate tender bids and rein in private property price growth. The previous practice of staggering…

Refinancing your home loan – how does it work?

A lot of people decide to refinance their home loan sometimes during the payback period. But what exactly is home loan refinancing? It simply means taking out a new home loan in order to repay the old one.…

Why property is still investors’ pick

The regulator’s recent move on bank lending is not meant to be another property market cooling measure but it will certainly have a bearing on anyone contemplating a real estate investment. It’s not that buyers haven’t already been…

No to bank-developer tie-ups

The government is clamping down on a common practice where property developers and agents tie-up with banks to sell property: It has introduced a wide-ranging rule that will, among several things, stop banks from offering preferential interest rates…

MAS mulls more authority for credit bureaus

MAS is looking at possibly giving more teeth to credit bureaus so that banks can get, without too much delay, all the credit information needed to comply with the new 60 per cent TDSR when granting property loans.…

Property market stabilising but curbs will stay: Tharman

Property prices in Singapore are starting to stabilise but the Government is not ready to take its foot off the property market brakes, said DPM Tharman Shanmugaratnam. “Our intention is to stabilise the market, if possible have some…

Pulau Ubin to remain undeveloped

The Government has confirmed that Pulau Ubin will remain undeveloped for as long as possible. The news came in response to a suggestion to build a retirement village on the north-eastern island made by Non-Constituency MP Lina Chiam…

Singapore residential property – new loan framework to counter over-leveraging

On 28 June 2013, MAS introduced TDSR framework for all property loans granted by financial institutions to individuals. The TDSR takes into account borrowers’ other outstanding debt obligations when granting property loans and this total debt limit is…

Loan curbs hit variable income earners

The new rules on mortgage lending could leave good earners like remisier Alan Goh out in the cold if they try to take on a bigger home loan. Mr Goh relies entirely on commissions for his monthly income…

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