(Revised on 30 September 2022)(修订日期: 12月30日2022) [1.2] (Revised on 16 December 2021)(修订日期: 12月16日2021) [1.1]
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You can use this loan for your children's education or other investments with higher returns.
Only private property (residential, industrial or commercial) can be use as collateral for term loan. HDB is not allowed.
您可以将这笔贷款用于子女的教育或获得更高回报的其他投资。
只有私有产业（住宅，工业或商业）可用作定期贷款的抵押，HDB则不能。
Note:-注释：- [1.1] With effect from 16 December 2021, new mortages cannot cause borrowers' total monthly loan repayments to exceed 55% of monthly income. 自2021年12月16日起，新抵押贷款不得导致借款人每月还款总额超过月收入的55%。
[1.2] With effect from 30 September 2022, TDSR and MSR loan rate will increase from 3.5% to 4% for residential property and TDSR loan rate for non-residential property will increase from 4.5% to 5%. 自2022年9月30日起，总偿债率-TDSR和每月偿还贷款比率-MSR的贷款利率将从3.5%上调至4%，非住宅房产的TDSR贷款利率则将从4.5%上调至5%。
⁑ Borrower can borrow up to age 75 year old.贷款人可借贷至75岁。
† Amount calculated is based on formula, actual amounts applicable is to be determined by the financial institutes involved.实际科贷款金额将由有关借贷机构决定。
‡ When loan amount is 50% of the value of the property or less, TDSR need not apply.当贷款金额为财产价值的50％或更少时，无需受限于TDSR框架。
Disclaimer: While all reasonable care was undertaken to ensure accuracy of the information and calculation, the agent and his agency will not be held responsible for any discrepancy. For feedback, please contact Cyan Ho at (+65)9066 6966 or via email cyanyc@gmail.com 免责声明： 尽管已采取一切合理措施确保信息和计算的准确性，如有误差其房屋经纪和经纪公司将不付任何法律责任。如有意见或反馈，请联络何永全(+65)9066 6966或电邮cyanyc@gmail.com