은행들 집 공시지가 낮아져도 대출금 변동 없기로 합의
은행들은 기존의 모기지 대출자들에게 집값(공시지가)이 낮아졌어도 현재의 비율로 모기지를 잘 갚아나가고 있다면, 추가로 공시지가가 낮아진 만큼의 부분을 미리 갚지 않아도 되게 하기로 하였다.
Get the low-down on home loan top-ups
Banks told BT that as long as borrowers are current in their monthly loan installments, they will not ask for fresh valuations which could then lead to a top-up. ‘By the same token, when the loan is disbursed, as long as the customer can meet the monthly repayment amounts, the bank will not usually take any other course of action against the customer, even if valuations of these properties are now lower than that at the time of purchase.’, said a DBS spkesperson. MAS said non-performing housing loans are currently low and expects no significant increase. The UOB spokeswoman says the bank periodically reviews its mortgage portfolio, including the update of property values.
- The Business Times, P1