新国越来越多房产被lelong...

天然夜行者

新国越来越多房产被lelong...

More high-end homeowners default payments

The number of houses placed on the auction block by banks has increased by nearly five-fold as borrowers struggle to sell their luxury units amid the falling prices and the governments tough cooling measures, according to media reports.
Between January and October of this year, 98 repossessed homes were placed under the auctioneers gavel, said Colliers International, a far cry from the 17 for the whole of 2013.
These include non-landed properties at renowned residential projects such as Turquoise at Sentosa Cove (pictured), Reflections on Keppel Bay and Stevens Court at Stevens Road.
Amid the stricter regulatory and financing environment, borrowers in default are finding it difficult to sell their properties on their own, as buyers generally remain cautious, added Colliers Internationals Deputy Managing Director Grace Ng.
Additionally, due to defaults by high-end property owners, non-performing loans (NPL) of local banks have also substantially increased.
According to United Overseas Bank (UOB), its housing NPLs nearly doubled to $502 million in the third financial quarter from $295 million a year ago. The significant gain is mainly attributed to borrowers who invested in a specific luxury project in Singapore, but the lender declined to reveal its name.
At the same time, Overseas Chinese Banking Corporations (OCBC) NPLs rose to $272 million from $227 million. One factor behind the increase is the consolidation of OCBC Wing Hangs portfolio.
If you have maxed out your loan quantum and values have dropped, you will have difficulty refinancing, especially if your credit worthiness is not attractive. Theres a possibility that banks may ask you to pump in more money to top up your value. When someone is not able to do so, that may go into the NPLs, added Chestertons Singapores Managing Director Donald Han.

更高端的房主拖欠月供

放置银行拍卖的房屋数量已经增长了近5倍作为借款人很难出售自己的豪宅中单位价格的下降和政府强硬的降温措施，据媒体报道。
一月至今年10月间， 98抵债房屋被划归拍卖师木槌，高力国际，相去甚远的17整个2013年说。
这些措施包括非降落性能，在著名的住宅项目，如绿松石，在升涛湾（如图） ，在吉宝湾和史蒂文斯苑史蒂文斯道思考。
在一片严格的监管和融资环境，借款人违约发现很难对自己出售物业，因为购房者普遍持谨慎态度，加入高力国际的副总裁格雷斯伍。
此外，由于违约高端物业的业主，本地银行的不良贷款（ NPL ）也大幅增加。根据大华银行（ UOB ） ，其住房不良贷款几乎在第三财政季度的2.95亿美元去年同期翻了一番，达到5.02亿美元。该显著增益的主要原因是谁投资了一个特定的豪宅项目在新加坡的借款人，但贷款人拒绝透露其名称。
与此同时，海外中国银行公司（ OCBC ）不良贷款升至2.72亿美元从2.27亿美元。后面加一个因素是华侨银行永挂起组合的整合。
如果你已经刷爆了你的贷款量和数值已经下降，你将很难再融资，特别是如果你的信用是没有吸引力。孤单，银行可能会要求你更多的钱泵，以补足你的价值的可能性。当一个人是不是能够做到这一点，这可能进入不良贷款，增加Chestertons新加坡的总经理唐纳德·汉。

vjcspore8899

Good news.

ahkhai

那里能找到被bank拍卖的房？ 会under value吗？