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新加坡贷款买房

全面分析各大银行利率和还款计划,满足您的房贷需求
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外国人如何在新加坡贷款买房?

Joyce

Joyce

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房屋贷款最高可达房价的75%

在新加坡,外国人购房是可以向银行或其他金融机构贷款的,并且贷款额度最高可达房价的75%。目前市场的银行贷款利率也非常具有吸引力,在1.4% ~1.8% 不等。利用贷款的方式在新加坡购房可以大大减轻购房者的资金压力。

以下Ohmyhome为大家整理的新加坡房贷攻略:

在新加坡申请房贷所需的材料

1. 房屋预售合同或者购买合同

2. 房屋贷款申请表(填写完整并签字)

3. 申请人的身份证和复印件,或护照和复印件

4. 收入证明:最近3个月的工资单,并且提供银行对账单以证明工资是存入申请人银行账号内

5. 最近所得税评估

6. 其他所需文件

外国人可以在新加坡贷款购房

新加坡房贷的种类

新加坡各大银行和金融机构都提供房屋贷款服务。贷款分为两种类型,固定利率和浮动利率。固定利率就是在贷款申请人偿还贷款期间,贷款利率保持不变。这样做能避免日后由于利率上升而造成的损失,但若市场利率下降,申请人将会付出更多利息。浮动利率是根据市场利率变化而变化。两种贷款类型各有优缺点,申请人可以根据自己的需求办理。

办理贷款的具体流程

新加坡是全球公认的房产制度较完善的国际。在这里贷款购房,整个过程十分规范透明。购房者只需按照要求,按部就班即可。

1. 选择贷款银行

2. 提交贷款申请以及相关文件

3. 银行进行评估

4. 银行批准申请

5. 银行通知代理律师准备相关合约

6. 购房者签署房屋贷款协议

7. 代理律师登记贷款协议

8. 购房者向银行支付其他相关费用并向开发商支付未偿余额

9. 银行拨付贷款

10. 购房者根据已拨付的贷款金额和商定的利率进行月还款

Ohmyhome提供新加坡房屋贷款咨询服务

新加坡房屋贷款额度和首付比例

第一套第二套第三套
   个人贷款75%50%40%
   最低首付5%25%25%
   非个人贷款60%40%20%

如果贷款期限超过30年,或者申请人要到65岁才能还清,贷款额度和首付比例则如下

第一套第二套第三套
    个人贷款60%30%20%
    最低首付10%25%25%
   非个人贷款60%40%20%

新加坡申请房屋贷款最常用的银行

2021年新加坡银行贷款利率在1.4% ~1.8%不等

购房者可以选择几家银行同时申请贷款。以下是新加坡比较常见的可以申请贷款的银行和金融机构。

DBS 星展银行

UOB 大华银行

OCBC 华侨银行

Citibank 花旗银行

Maybank 马来亚银行

HSBC Bank 汇丰银行

Hong Leong Finance 新加坡丰隆金融公司


新加坡房屋贷款咨询

Ohmyhome长期与各大银行和金融机构紧密合作,我们为客户提供免费房屋贷款咨询服务,根据客户的情况分析最适合的贷款方案。了解更多有关申请新加坡房屋贷款,欢迎联系客服预约一对一咨询!

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新加坡贷款买房

全面分析各大银行利率和还款计划,满足您的房贷需求

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