2024年4月3日，新加坡國家發展部兼通訊及新聞部高級政務部長陳傑豪，在國會回答議員陳李峰有關建屋局以何種方式審核組屋申請者收入問題。
陳傑豪
國家發展部高級政務部長
通訊及新聞部高級政務部長
東海岸集選區議員
陳立峰
後港區議員
以下內容為新加坡眼根據國會英文資料翻譯整理：
陳立鋒先生向國家發展部長詢問：
（a）在申請組屋貸款時需要提供哪些工作、業務或收入方面的信息，這些信息需要多長時間的記錄；
（b）在信息要求上是否對（i）受僱人士和（ii）自僱人士有所區分。
國家發展部高級政務部長陳傑豪先生（代表國家發展部長）回答：議員先生，建屋發展局（HDB）進行信用評估，以評估貸款申請人按月償還房屋貸款的能力，評估基於申請人12個月的平均月收入。
所有申請人，無論其就業性質如何，都需要通過Myinfo提供中央公積金（CPF）繳交記錄和最新的所得稅評估通知書。若需要更多證明文件，HDB會聯繫申請人。
與一般受僱人士每月收到的中央公積金繳交額可以用來支付房屋貸款不同，自僱人士可以完全以現金支付房屋貸款。因此，他們需要提供信用報告和銀行對帳單，以評估其財務狀況及每月償還貸款的能力。
議長：陳立鋒先生。
後港區的陳立鋒先生：感謝高級政務部長的回答。HDB在評估自僱人士收入時是否會有不同的考慮，以顧及企業主或自僱人士可能不會定期支付自己的情況？例如，HDB是否會把呈報給新加坡稅務局（IRAS）的年度收入納入考量？
第二，當業務收入可能有所波動時，例如在短期內自僱人士的業務收入顯著增加，HDB是否能在申請時靈活考慮收入的上升趨勢？
陳傑豪先生：先生，簡短回答議員的問題是，若申請人有特定情況，HDB會逐案審查。根本原則是確保購買組屋、申請HDB組屋的人能夠按月償還貸款。
因此，有收入評估標準，審查不同收入的資格，具體細節在HDB官網上，哪些收入形式會被考慮，包括新加坡稅務局的報稅單和中央公積金繳交記錄。這些都會被綜合考慮。因此，如果議員遇到需要一定靈活性或逐案審查的申請人，請告知HDB，我們會進行審核。
以下是英文質詢內容：
Mr Dennis Tan Lip Fong asked the Minister for National Development (a) what is the information on job, business or income which HDB will require from a person who is making a housing loan application and what is the time period required for such information; and (b) whether there is any distinction between the information required for (i) employed persons and (ii) self-employed persons.
The Senior Minister of State for National Development (Mr Tan Kiat How) (for the Minister for National Development): Sir, the Housing and Development Board (HDB) conducts credit assessments to gauge the financial ability of loan applicants to service monthly mortgage instalments, based on the applicant’s income. The assessment is carried out when the applicant applies for an HDB Flat Eligibility (HFE) letter and is based on the applicant’s average monthly income over a period of 12 months.
All applicants, regardless of the nature of their employment, are required to provide their CPF contribution history and latest Notice of Assessment for income tax, through Myinfo. HDB will reach out to applicants if further supporting documents are needed.
Unlike employed persons who generally receive monthly CPF contributions from work that can be used to pay mortgage instalments, self-employed persons typically pay their mortgage instalments fully in cash. Hence, they are required to provide their Credit Bureau Report and bank statements for an assessment of their financial position and their ability to pay their mortgage instalments every month.
Mr Speaker: Mr Tan.
Mr Dennis Tan Lip Fong (Hougang): I thank the Senior Minister of State for the answer. Does and will the HDB give different considerations in their assessment of the income of the self-employed to take into account that the business owner or the self-employed may not pay themselves regularly? For example, would the HDB take into account the annual income as declared to the Inland Revenue Authority of Singapore (IRAS)?
Number two, where the business income may vary. For example, even in a short period of time where a self-employed's business income trajectory increases considerably, can the HDB exercise some flexibility to look at the uptrend of the income at the time of the application?
Mr Tan Kiat How: Sir, the short answer to the Member's question is, that HDB will review on case-by-case basis if the applicant has some specific circumstances. The underlying principle is to make sure that whoever is buying a flat, applying for HDB flat, can service the monthly mortgage payments.
That is why, there is an income assessment criteria, looking at eligibility of the different incomes – the details are on HDB's website – what form of income will be considered, the IRAS statements and the CPF contributions. These are all taken in totality. So, if the Member comes across cases where the applicant requires certain flexibility or case-by-case review, please flag them to HDB and we will take a look.
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