{"id":1235,"date":"2015-08-08T08:00:25","date_gmt":"2015-08-08T00:00:25","guid":{"rendered":"https:\/\/www.99.co\/blog\/singapore\/?p=1235"},"modified":"2022-07-01T03:32:25","modified_gmt":"2022-06-30T19:32:25","slug":"if-you-dont-refinance-your-housing-loan-soon-you-might-be-kicking-yourself-later","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/if-you-dont-refinance-your-housing-loan-soon-you-might-be-kicking-yourself-later\/","title":{"rendered":"If You Don\u2019t Refinance Your Housing Loan Soon, You Might Be Kicking Yourself Later"},"content":{"rendered":"
<\/div>

\"Refinancing<\/a><\/p>\n

Sometimes working life in Singapore can feel like a long, dark road, like a tunnel. You walk and you walk and you walk and the darkness of the tunnel just seems to drag on and on. No matter how fast or how slow you\u2019re moving, you don\u2019t seem to be getting any closer to the end. Suddenly, after a long time, you see it. A flash of light! Retirement. A ray of hope at the end of the tunnel! You sprint towards it, watching it get larger and larger\u2026 until the oncoming train runs you over.<\/p>\n

What\u2019s that oncoming train? The CPF Minimum Sum<\/a>? No, something much worse, and more unexpected\u2026 your home loan.<\/p>\n

Home loans haven\u2019t always been the way they are today. Today, there are limitations and eligibility constraints that make it very hard for someone to get a loan tenure that lasts into retirement. In the past however, this wasn\u2019t the case.<\/p>\n

If you\u2019re coming close to 60 and you haven\u2019t finished paying off your home loan yet, don\u2019t wait till you\u2019re about to retire before you do something about it. By then, it might be too late. Here are 4 reasons why you should refinance your home loan before you retire:<\/p>\n

1. You will not be allowed to refinance with no income.<\/b><\/h4>\n

Let\u2019s get down to basics here. The bank has lent you money to buy your house with the understanding that you\u2019ll be able to pay them back. The easiest way they\u2019re convinced you can pay them back is if you have a steady income. Without that, it\u2019ll be harder for a bank to offer you a loan. Refinancing is basically asking a bank to take on your mortgage.<\/p>\n

No matter how good your credit has been while you were employed, the fact that you no longer have a regular paycheck will prevent any bank from refinancing your home loan.<\/p>\n

2. Your children won\u2019t be able to help you.<\/b><\/h4>\n

Because of current regulations, you can\u2019t even put your children\u2019s monthly income as collateral. Well, technically you can, but only if the house is put under their name. And that creates its own set of problems, since your children now would be penalised if they tried to buy their own place. Why? Because on paper, it\u2019ll look like they own two properties, so they\u2019ll be charged additional stamp duties. Not only that, by technically taking on your debt, they\u2019ll not be able to loan as much due to TDSR rules.<\/p>\n

3. Home loan interest rates are rising.<\/b><\/h4>\n

The way home loan packages work, you\u2019ll find yourself at the mercy of banks once you\u2019ve left their lock-in period. Even fixed rate loan packages default to floating rate over time, so you might be trapped with a mortgage interest rate of 3% or more, without any alternatives because you can\u2019t refinance anymore.<\/p>\n

Even if you\u2019ve been carefully planning your finances so that you can comfortably pay off your home loan into retirement, a rising home loan interest rate might cause your plans to be significantly derailed.<\/p>\n

4. You may become unable to manage your loan repayment.<\/b><\/h4>\n

As with the previous point, no matter how prepared you are for retirement, you will never be able to be prepared for everything. Ideally, insurance products like home insurance or health insurance should be your safety net should anything happen. As you grow older, however, you may find your premiums rising to a point where you realise you\u2019re literally paying for your agent\u2019s weekend trip to Bali.<\/p>\n

The worst case scenario in such a situation? Finding yourself needing to divide your limited funds between your insurance premiums and your home loan repayment. You should never be tempted to sell your home simply because you can no longer handle your home loan repayment. Even if you\u2019re lucky enough to find yourself in a seller\u2019s market, being unable to meet your monthly loan repayment should not be the reason to sell your retirement home.<\/p>\n

But wait, this isn\u2019t right! Retirees are the last people banks should be penalising.<\/b><\/h4>\n

We totally agree. Think about it \u2013 you\u2019ve worked your whole life and have presumably learnt how to manage your finances well. You know your home loan repayments are going to last into your retirement \u2013 you\u2019re not stupid. So you\u2019ve definitely set enough money aside to pay off the remaining amount of your mortgage.<\/p>\n

Then, without warning, the SIBOR starts rising<\/a>. Banks take advantage of this and start increasing their spreads. The amount you\u2019ve set aside suddenly isn\u2019t enough, and you\u2019re trapped. Not because you\u2019re locked in to your home loan. But because the banks don\u2019t allow you to save your retirement funds by refinancing or repricing.<\/p>\n

Put simply: You\u2019re not being penalised for having poor money management, you\u2019re being penalised for choosing to retire. That\u2019s like being penalised for being OLD.<\/p>\n

This is something that MAS may want to consider looking into, given how the very essence of refinancing \/ repricing your mortgage is rooted in you wanting to save money and not be caught out with high interest rates that increase your monthly expenditure.<\/p>\n

Technically MAS does provide relief from TDSR considerations if the properties being refinanced are Owner Occupied (meaning the owners are living in the property at present). Banks can choose to apply this relief at their own discretion, but sadly most, if not all of them choose to apply the ruling.<\/p>\n

If you are getting close to that age where you are thinking of calling it a day with your career, refinance your home loan<\/a> before you do anything drastic. Choose a home loan plan with a long term fixed spread interest rate to avoid any surprises once you retire. There are still packages on the market which fix their spreads (note: spread does not refer to the total interest rate) for the duration of the loan and this is a very good long term strategy.<\/p>\n

MoneySmart.sg<\/a> is Singapore\u2019s leading personal finance portal, and aims to help people maximise their money with powerful tools and engaging content.<\/em><\/p>\n

Know any horror stories about retirees who couldn\u2019t afford their home loan repayments? Share them with us.<\/b><\/p>\n

Image Credits:
\nkaveman743<\/a><\/p>\n

 <\/p>\n

Ready to find the home you\u2019ll love? Go to\u00a099.co<\/a>!<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Sometimes working life in Singapore can feel like a long, dark road, like a tunnel. You walk and you walk and you walk and the darkness of the tunnel just seems to drag on and on. No matter how fast or how slow you\u2019re moving, you don\u2019t seem to be getting any closer to the…<\/p>\n","protected":false},"author":15,"featured_media":53916,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","_lmt_disableupdate":"","_lmt_disable":"","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[53593,53589,57131],"tags":[],"persona":[],"class_list":{"2":"type-post","10":"entry","11":"has-post-thumbnail"},"acf":[],"yoast_head":"\nIf 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