2024年4月3日，盛港集選區議員何廷儒在國會上，向當時還是副總理的黃循財
關於銀行和非銀行金融機構相關問題。
以下內容為新加坡眼根據國會英文資料翻譯整理：
新加坡銀行和非銀行金融機構貸款允許的最高利率和逾期付款費用何廷儒（盛港集選區）女士向總理提問：
（a）銀行和非銀行金融機構對個人在新加坡的有擔保和無擔保貸款是否有最高利率和逾期付款費用？
（b）如果有，這些利率和費用分別是多少？
（c）如果沒有，新加坡金融管理局（MAS）是否會考慮引入此類最高限額？
黃循財：金融機構對消費貸款收取的利率和費用是金融機構的商業決策，受到市場競爭、當前市場利率以及貸款風險和成本的影響。借款人應仔細評估貸款條款和條件，包括貸款的定價，以確保他們能夠負擔得起。
新加坡金融管理局期望金融機構公平對待客戶，並向客戶明確有關貸款成本和費用的關鍵信息。對於信用卡和其他無擔保信貸，逾期付款費用和利息是最重要的潛在收費。
新加坡金融管理局要求金融機構在客戶對帳單中清晰、顯著地披露這些費用，包括它們是如何計算的。如果客戶未能全額支付前一個月的帳單，銀行必須在當月對帳單中提供一個客戶將承擔的總費用，包括本金、利息、費用（如財務費用）和收費（如逾期付款費用）的預測，以及如果客戶僅支付最低付款且無新交易，完全償還所有未償餘額所需的時間。
對於房貸，金融機構必須向借款人提供一份概述貸款主要特徵的事實性清單，包括可能的費用和罰款。金融機構還必須提供利率的詳細信息，向借款人解釋抵押貸款每月分期付款在參考利率變化時如何變動。更廣泛地說，新加坡銀行協會的《消費者銀行業務守則》規定了銀行應在何時以及如何向客戶傳達更廣泛的主要條款和條件的信息，包括年費、還款寬限期和利率。國家金融教育計劃「理財智庫」通過其網站和社交媒體提醒消費者負責任地使用信用。
主要內容是消費者要量入為出，並償還任何高利息債務。「理財智庫」還經常教導公眾評估房產的可負擔性以及了解抵押貸款的運作方式。
通過透明的費用和收費，再加上金融素養，消費者將更有能力做出符合其財務目標的決策，並選擇最適合其需求的產品。這些措施也是新加坡金融管理局對金融機構要求的一部分，以減輕消費者過度負債的風險，我們在先前的國會質詢中已強調過這些要求。
以下是英文質詢內容：
Ms He Ting Ru asked the Prime Minister (a) whether there are maximum (i) interest rates for secured and unsecured loans and (ii) late payment fees, that banks and non-bank financial institutions can charge individuals in Singapore; (b) if so, what are such rates and fees respectively; and (c) if not, whether MAS will consider introducing such maximum limits.
Mr Lawrence Wong (for the Prime Minister): Interest rates and fees charged by financial institutions (FIs) on consumer loans are commercial decisions by FIs, which are influenced by market competition, prevailing market interest rates, and the risks and costs of lending.
Borrowers should carefully assess loan terms and conditions, including the pricing of the loans to ensure that they can afford the loans. The Monetary Authority of Singapore (MAS) expects FIs to deal fairly with and disclose key information to their customers about the costs and fees associated with their loans.
For credit cards and other unsecured credit facilities, late payment fees and interest charges are the most significant potential charges. MAS requires FIs to disclose these charges clearly and conspicuously in customers' statements, including how they are computed. Where a customer has not paid the prior month's bill in full, the bank is required to provide in the current month's statement a projection of the total amount he would incur, including principal, interest, fees and charges; and the length of time that the customer will take to fully pay off the entire outstanding balance if he only makes the minimum payment and where no new transactions are made.
For property loans, FIs must provide borrowers with a fact sheet highlighting the key features of the loan, including possible fees and penalties. FIs must also provide details on the interest rates charged and explain, where applicable, how a borrower’s monthly mortgage instalments would change where reference rates vary.
More generally, the Association of Banks in Singapore's Code of Consumer Banking Practice specifies when and how banks should communicate to customers relevant information on a broader range of principal terms and conditions, including annual fees, repayment grace periods and interest rates.
Our national financial education programme, MoneySense, has been reminding consumers through its website and social media posts on the responsible use of credit. The main messages are for consumers to spend within their means and to pay down any high interest-bearing debt. MoneySense also regularly educates the public on assessing the affordability of a property as well as how mortgage loans work.
With transparent fees and charges, coupled with financial literacy, consumers will be better equipped to make decisions that align with their financial goals and select products that best suit their needs. These measures complement other MAS requirements on FIs to mitigate the risk of consumer over-indebtedness, which we have highlighted in previous Parliamentary Queries.
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