此案一出，买组屋自住投资几无风险：国会紧急通过建屋与发展（修正）法案国会紧急通过建屋与发展（修正）法案
放贷者不准申请组屋转让禁令
（2010-07-20）
● 谢燕燕 报道
国会昨天紧急通过建屋与发展（修正）法案，明文禁止放贷者申请组屋转让禁令（caveat），意味着他们再也无法要求借贷者以组屋作贷款抵押，堵住现有法律的一大漏洞。
国家发展部长马宝山说，2008年，当局共收到12起组屋转让禁令的申请，也就是禁止借贷者在未经放贷者许可下转让组屋。2009年，这类禁令的申请飙升到546起，而今年首六个月更已超过去年一整年，达556起。
这一惊人趋势，让政府警觉到必须尽快堵住法律漏洞，阻止更多组屋屋主拿组屋当抵押向放贷者借钱，最后却落得无家可归，连累家人和亲人。
同一天二三读通过
马宝山昨天罕有的援引国会议事常规中关于紧急通过法案的条规，要求国会在他对上述法案提出一读后，随即在同一天进行二读和三读通过。政府上一次是在2003年沙斯传染病爆发时援引这项条规，要求国会在一天内紧急通过传染病（修正）法案，以加重对违反居家隔邻令者的处罚。
马宝山昨天对法案提出二读时指出，新加坡人借钱时如果用组屋作抵押，一旦还不起债务，便可能失去组屋。
� (more...)
我来试着解释一下
搜了半天，终于找到一个英文版的，中文版该是翻译过来的，不太好理解。
这个moneylender当然不是指贷款给你的银行。法令禁止的是collateral, mortgage跟普通的collateral的区别在于, mortgage（即按揭）借的钱必须购房。立法来禁止按揭抵押拍卖，我觉得香港，新加坡都绝不可能。
下面新闻最重要的一句话，
Any contract using an HDB flat as a security or collateral for any debt other than as mortgage to finance the purchase of the flat will be null and void.
other than as mortgage = 按揭除外。
http://www.channelnewsasia.com/stories/singaporelocalnews/view/1070440/1/.html
HDB flats not meant to be used as source of funds: Mah By Hetty Musfirah Abdul Khamid | Posted: 20 July 2010 1636 hrs Photos 1 of 1 SINGAPORE: National Development Minister Mah Bow Tan has stressed that HDB flats are not meant to be used as a source of funds for business or other uses. He said this a day after changes were made to the Housing and Development Act, to prevent owners from using their flats as collaterals to settle debts with moneylenders. Mr Mah said: "The HDB flat is not meant to be used as a source of funds for business. "The whole scheme was designed to provide affordable, good quality home for them, not to use that as a collateral or sources of funds for other uses whether it is for business, or other things. "Can you imagine if people are allowed to raise funds from flats, what kind of things they are going to use for? Some will be using it for business. But I can tell there will be many who would not be using that for legitimate business. "They will be using it for other things. They may even use it to go to the casinos, for example. And then what happens? They lose their money and then they lose their flats. They lose their homes, the roofs over their heads, where will they stay? Where will be their children stay? "So we decided to be prudent, as far as HDB flats are concerned. If you want to raise funds for businesses, for other things, entrepreneurship, look for other sources for funds." The amendments were passed under the "certificate of urgency" in Parliament on July 19. Any contract using an HDB flat as a security or collateral for any debt other than as mortgage to finance the purchase of the flat will be null and void. Mr Mah stressed that the gap has to be plugged immediately to prevent moneylenders from lodging future caveats against HDB flats. "The number of caveats has gone up sharply, and if you don't move fast, the numbers will keep going up and more and more people will be placed in this position of putting their flats as risk and possibly being homeless. "So I think that is something obviously not in the interest of the HDB flat owners themselves. So that's the reason why I decided to move on the certificate of urgency. "This practice of agents and moneylenders colluding to get people to borrow and use their flats as collateral, I think that practice, will stop because they will no longer be legal." He added there have been indeed many cases where flats owners had fallen into serious difficulties after they sold their flats, as a result of the inability to repay loans. Mr Mah was speaking to reporters on the sidelines of his ministry's joint scholarship ceremony Tuesday morning. He presented scholarships to 39 undergraduates and 12 graduate students. The scholars come from a spectrum of specialisations, including environmental engineering and environmental biology. Some of them will be exploring new fields of study, such as aquaculture, agricultural economics and food technology. 38-year-old Kelvin Ang, who will be taking up a Masters in Sustainable Heritage at the University College London, said: "This scholarship will give me an opportunity to learn from the best practices from Europe in terms of heritage. So if I can have those skills and bring them back to Singapore and apply them here, I think there's a better future for heritage buildings." 19-year-old Lee Si Min will be taking up an engineering degree course at the University of Cambridge. She'll join the Building and Construction Authority when she completes her studies. Ms Lee said: "I am very interested in how the designs of buildings are made to be safe and sustainable. There are many projects coming up in the MND, for example, the Tianjin Eco-city and I am very interested in them. I hope to play a part and contribute to the society in this manner." - CNA/jm
这个moneylender当然不是指贷款给你的银行。法令禁止的是collateral, mortgage跟普通的collateral的区别在于, mortgage（即按揭）借的钱必须购房。立法来禁止按揭抵押拍卖，我觉得香港，新加坡都绝不可能。
下面新闻最重要的一句话，
Any contract using an HDB flat as a security or collateral for any debt other than as mortgage to finance the purchase of the flat will be null and void.
other than as mortgage = 按揭除外。
http://www.channelnewsasia.com/stories/singaporelocalnews/view/1070440/1/.html
HDB flats not meant to be used as source of funds: Mah By Hetty Musfirah Abdul Khamid | Posted: 20 July 2010 1636 hrs Photos 1 of 1 SINGAPORE: National Development Minister Mah Bow Tan has stressed that HDB flats are not meant to be used as a source of funds for business or other uses. He said this a day after changes were made to the Housing and Development Act, to prevent owners from using their flats as collaterals to settle debts with moneylenders. Mr Mah said: "The HDB flat is not meant to be used as a source of funds for business. "The whole scheme was designed to provide affordable, good quality home for them, not to use that as a collateral or sources of funds for other uses whether it is for business, or other things. "Can you imagine if people are allowed to raise funds from flats, what kind of things they are going to use for? Some will be using it for business. But I can tell there will be many who would not be using that for legitimate business. "They will be using it for other things. They may even use it to go to the casinos, for example. And then what happens? They lose their money and then they lose their flats. They lose their homes, the roofs over their heads, where will they stay? Where will be their children stay? "So we decided to be prudent, as far as HDB flats are concerned. If you want to raise funds for businesses, for other things, entrepreneurship, look for other sources for funds." The amendments were passed under the "certificate of urgency" in Parliament on July 19. Any contract using an HDB flat as a security or collateral for any debt other than as mortgage to finance the purchase of the flat will be null and void. Mr Mah stressed that the gap has to be plugged immediately to prevent moneylenders from lodging future caveats against HDB flats. "The number of caveats has gone up sharply, and if you don't move fast, the numbers will keep going up and more and more people will be placed in this position of putting their flats as risk and possibly being homeless. "So I think that is something obviously not in the interest of the HDB flat owners themselves. So that's the reason why I decided to move on the certificate of urgency. "This practice of agents and moneylenders colluding to get people to borrow and use their flats as collateral, I think that practice, will stop because they will no longer be legal." He added there have been indeed many cases where flats owners had fallen into serious difficulties after they sold their flats, as a result of the inability to repay loans. Mr Mah was speaking to reporters on the sidelines of his ministry's joint scholarship ceremony Tuesday morning. He presented scholarships to 39 undergraduates and 12 graduate students. The scholars come from a spectrum of specialisations, including environmental engineering and environmental biology. Some of them will be exploring new fields of study, such as aquaculture, agricultural economics and food technology. 38-year-old Kelvin Ang, who will be taking up a Masters in Sustainable Heritage at the University College London, said: "This scholarship will give me an opportunity to learn from the best practices from Europe in terms of heritage. So if I can have those skills and bring them back to Singapore and apply them here, I think there's a better future for heritage buildings." 19-year-old Lee Si Min will be taking up an engineering degree course at the University of Cambridge. She'll join the Building and Construction Authority when she completes her studies. Ms Lee said: "I am very interested in how the designs of buildings are made to be safe and sustainable. There are many projects coming up in the MND, for example, the Tianjin Eco-city and I am very interested in them. I hope to play a part and contribute to the society in this manner." - CNA/jm
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