新加坡金融管理局：承担购房贷款需谨慎！

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虽然最近政府的限制措施减缓了房地产价格上涨，但据海峡时报报道，新加坡金融管理局（MAS）已经呼吁广大购房者在申请房屋贷款时，仔细考虑利率上升及住房供应上升对其购房产生的影响。

MAS表示，考虑到“利率上升的逆风”以及预期房产租金收益率将持续低迷，买家应该在购买房产时保持谨慎，因为他们的偿债负担可能会加重。

“如果房地产价格出现大幅调整，过度利用杠杆的家庭，也许会看到其资产负债指标的迅速恶化，”MAS补充道。

MAS在其年度金融稳定性评估中表示，由于购房贷款上调3.4％，家庭债务在2018年第三季度同比上涨了3％。

它还指出，随着业主对住宅物业需求的回升，截至7月份，新增住房贷款价值同比上涨30％。

政府在7月推出的房地产降温措施有助于“减缓住宅价格上涨和地产的销售活动”。

在新措施的调控下，新加坡人和永久居民在购买他们的第二个以及更多个房产时，需要支付更多的印花税：政府将适用于此类交易的买方印花税提高了5个百分点，而贷款价值限额度相对于房产价值的比例，则减少了5个百分点。

“如果不加以制止，房产价格的大幅上涨可能会超过经济基础的承受能力，并恶化经济稳定性被破坏的风险，特别是在利率上升和住房供应强劲的情况下，”MAS表示。

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