房市降温措施一出台，分析家认为八九万甚至10万元的超高组屋溢价，将走入历史！

近年来，热门地点如碧山、女皇镇和红山出现高达七八万元的转售组屋溢价，已见怪不怪。今年连较冷门的裕廊西也有五房式以7万5000元溢价售出，几天前甚至有记者以10万元溢价买下蔡厝港双层复式公寓，令业界震惊。

不过，随着政府降温，抑制投机炒作，分析家认为楼价近期可能下跌，而超高溢价也将成为历史。

The following announcement is extracted from website of Ministry of National Development http://www.mnd.gov.sg/

1. Increase the holding period for imposition of Seller’s Stamp Duty (SSD) from the current one year to three years.
2. For property buyers who already have one or more outstanding housing loans¹ at the time of the new housing purchase:
   1. Increase the minimum cash payment from 5% to 10% of the valuation limit²; and
   2. Decrease the Loan-to-Value (LTV) limit for housing loans granted by financial institutions regulated by MAS to these buyers from the current 80% to 70%.

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if you own a private property, now you cannot buy a HDB Resale flat. If you do, you must sell your private property within 6 months. Those who own HDB flats (whether New or Resale), after 5 years Occupation period, can buy private property, within 5 years cannot buy private property.

In my opinion, this measure announced is likely to dampen demand for HDB Resale flats and possibly cool down rising HDB Resale Flats' prices.