2022.07.15更新…新加坡买房会烂尾吗?

模拟实盘最新净值105.71万美元,+5.71%。

本周五(7月15日)卖出香港置地500股,价格4.84美元/股;卖出招商银行1,000股,价格34.87人民币/股;卖出兴业银行2,500股,价格17.63人民币/股。共计卖出金额21,364.30美元。买入iShares20年期以上美国国债(TLT)300股,价格116.14美元/股,共计买入金额34,842美元。

本周收到招商银行股息1.522人民币/股,股息收入2,477.91美元。

图片

不幸遭遇期房烂尾的亮亮和丽君夫妇。图片来源:网易

截至本周三(7月13日)下午,据凤凰网房产的不完全统计,中国内地已有18个省47个城市101个烂尾楼盘的业主公开宣布“强制停贷”。知情人士称,中国住房和城乡建设部本周与中国金融监管机构和主要银行会面,讨论停贷潮的问题。

14日中午,工商银行称,目前停工项目涉及不良贷款余额6.37亿人民币,占工商银行全行按揭贷款余额的0.01%,风险可控。中国农业银行、建设银行、兴业银行等14家银行也陆续发声,内容大同小异。

开发商跑路,银行不担责,一切都由无辜的业主默默承受。– 这样的困局,亟待政府,银行和各行业主管部门介入破解。

首先,地方政府迅速提供财政支持,银行追讨资金并同步让利,盘活烂尾楼。

第二,亡羊补牢,杜绝开发商挪用资金,恢复市场信心。

其次,调整动态清零政策,解除镣铐,释放经济活力。今年之所以集中暴露问题,根源还在于经济下行 — 经济下行不仅伤害开发商,也伤害购房者的钱包。

图片

曾经遭遇烂尾的新加坡公寓楼盘Laurel Tree。图片来源:Google Maps

新加坡也实行期房制度,那么,在新加坡买期房,有烂尾的风险吗?

答案是,几乎没有

新加坡的住房市场主要由两部分组成,7至8成是新加坡建屋局(HDB)规划开发的组屋,剩下的2至3成则由私人发展商开发,主要是公寓。

先看组屋期房市场。

组屋完全不存在烂尾的情况,因为建屋局的金主其实就是新加坡政府,更何况组屋土地由政府免费提供。

再看公寓期房市场。

公寓理论上是存在烂尾可能的,为了降低风险,新加坡实行的是分阶段付款计划(Progressive Payment)。通俗的说,就是发展商建多少,收多少。

这个计划,可以总结为20%+65%+15%计划

1)签约阶段,20%:

购房当天,购房者支付房价的5%(定金)获得购买权;之后2周内,发展商向购房者或其律师邮寄购房合同;购房者需在3周内签署合同寄回给发展商;双方正式完成签约,购房者再支付15%,通常是从支付定金日起8周内支付。

以上,是按照全款购买计算。假如购房者首付20%,贷款80%,那么,他实际支出为房价的4%,即20%房价x20%首付比例。

2)施工阶段,65%:

视工程进度,逐步支付给发展商,整个过程大约27至51个月:

–完成地基                    10%

–完成钢筋混凝土框架   10%

–完成砖墙                     5%

–完成屋顶或天花板        5%

–完成门窗框架、电线、内部抹灰和排水管    5%

–完成停车场、道路、下水管                        5%

–获发临时入伙许可证(TOP)                    25%

同样的,假如购房者首付比例20%,他在这个阶段支付的是房价的13%。

3)法定完工和保修阶段,15%:

通常交房1年后支付给发展商。假如购房者首付比例20%,他在这个阶段支付的是房价的3%。

分阶段付款计划(Progressive Payment)及其严格监管,可以有效防止发展商挪用资金,确保建房资金专款专用。

极个别情况下,例如遭遇发展商破产,购房者和银行仍然会遭遇烂尾的情况,但是分阶段付款计划可以减少购房者和银行的损失。

新加坡一个有名的例子是月桂树(Laurel Tree)公寓项目,该项目原定在2016年竣工,但是因为发展商陷入财务困境而成为烂尾楼。

几经周折,房贷银行方 — 大华银行(UOB)同意承担剩余工程的额外费用,条件是买家不行使权利追讨工程延误的违约金。

最终,这个楼盘在2021年竣工并交付给购房者。– 银行多贴了钱,购房者多等了5年,结果并不美好,不过也不算太糟糕。

万代兰模拟实盘组合:

图片

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Yu Xiaopeng Shelby 虞肖鹏

您好,我是虞肖鹏,您也可以叫我Shelby。我当了10多年的半导体工程师,目前是投资者,也是独立理财顾问,通过股票和基金投资,我在9年前,也就是2012年实现了财务独立。

我现在做的事情,是为朋友们分析财务状况,提供中立的理财,税务,投资等方面的建议和服务。

我非常喜欢现在的工作,我相信,通过合理的理财和投资规划,可以实现财富增值,更好地实现工作和家庭的平衡,使我们的生活更加美好。

合理规划,愉悦生活。

CONTACT US

Contact Me

What type of services are you looking for? 请问您需要咨询哪些方面的服务?(Please select all that applies)

ACKNOWLEDGEMENT

By submitting this form, I confirm that

提交此表格,即表示

  • I have read and understood FAPL’s Personal Data Policy, and hereby give my acknowledgement and consent to FAPL to use my personal data in accordance with FAPL’s Personal Data Policy.
  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策,并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
  • I have read and understood the disclaimers above and hereby affirm my acceptance of these terms.
  • 我已阅读并理解了上述免责声明,特此声明接受这些条款。
  • I have not been directly contacted or approached by any representative or employee of FAPL with an offer or solicitation to apply for any financial products not offered in my home country.
  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照,并许可在新加坡共和国境内依据财务顾问法(第110章)和证券与期货交易法(第289章)进行财务咨询等相关业务
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分,鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息(例如,关于海外司法管辖区以外的资金管理或投资咨询服务等信息)。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标,财务状况或其特定需求等考虑在内。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品,或达成交易或参与任何特定的投资策略,也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意,不得将这些文件全文或部分发布,传播,复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发,出版或使用此类文件可能违反当地法律,或本公司及关联公司或关联人士需要注册,获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时,您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》,鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料(例如姓名,证件号码,联系电话,邮寄地址,电邮地址和照片)。 该政策可在本公司网站上查寻,网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格,即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策

Scan for Contact Details

Join our newsletter

Subscribe to our newsletter to receive updates on our latest content!

By providing the info below, I confirm that I am the user and/or subscriber of the telephone number(s) and email address provided by me and I consent to receive from Financial Alliance and/or its financial adviser representatives, any marketing, advertising and promotional information organise by Financial Alliance via voice calls, SMS/MMS (text messages) or faxes to my telephone number(s) provided below. I understand I may withdraw any consent I have given at any time by writing in to Financial Alliance Pte Ltd.

Scan for WeChat QR