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关于修订《个人住房及商业地产贷款条款》的公告(2021年7月9日起)


2021-06-09


尊敬的客户:

为给您提供更加优质的服务,我行对现有的《个人住房及商业地产贷款条款》 (Standard Terms and Conditions Governing Facilities Secured by Mortgage of Residential Property and/or Commercial Property)进行了修订,并将于2021年7月9日起生效。具体修订内容如下:

Clause 2. Definitions and Interpretation

Clause 2.1 In these Conditions, the following expressions shall (except where the context otherwise requires) have the following meanings:

"Business Day" means a day (other than a Saturday, Sunday or gazetted public holiday) on which banks are open for general business in Singapore;

"Compounded SORA Rate" means, in relation to an interest period for a loan, the applicable Screen Rate for Compounded Singapore Overnight Rate Average for a period equal in length to the interest period of that loan and if that rate is less than zero, the Compounded SORA Rate shall be deemed to be zero.

"Screen Rate" means:

(a) in relation to SIBOR, the prevailing SIBOR (Singapore Interbank Offered Rate)/SOR (Singapore Swap Offer Rate) shall be as published on Reuters Screen ABSIRFIX01 Page under the heading "SGD SIBOR"/"SGD SWAP OFFER" as of 11.00am, Singapore time, on Interest Repricing Date ("the 11.00am fixing").The prevailing SIBOR/SOR are also available in The Business Times on the next business day following the Interest Repricing Date. In the event where the 11.00am fixing is not available, the Bank may obtain the SIBOR/SOR from a different source, or in the alternative substitute the SIBOR/SOR with such other rate as the Bank may determine at its sole and absolute discretion; and

(b) in relation to Compounded SORA Rate, the rate per annum determined by the Bank to be the Compounded Singapore Overnight Rate Average published by the Monetary Authority of Singapore (or any other person which takes over the publication of that rate) and is titled "SORA" at https://eservices.mas.gov.sg/Statistics/dir/DomesticInterestRates.aspx (or any replacement page which displays that rate) or on the appropriate page of such other information service which displays that rate from time to time in place of the Monetary Authority of Singapore on the Interest Repricing Date. If such page or service ceases to be available, the Bank may specify another page or service displaying the relevant rate at its sole and absolute discretion.

Clause 19. Changes to the Calculation of Interest

(a) Benchmark discontinuation event If the Monetary Authority of Singapore ("MAS") issues a public statement that includes one or more of the following:

(i) the MAS has ceased or will cease to publish the Compounded SORA Rate permanently or indefinitely; or

(ii) the benchmark administrator has ceased to provide the Compounded SORA Rate permanently or indefinitely, then the Bank will, as soon as is practicable, notify you and while such event is continuing, the applicable Compounded SORA Rate shall be replaced with:

(A) The replacement reference rate recommended by the MAS (or any successor benchmark administrator) and/or a working group or committee sponsored or chaired by, or constituted at the request of, the MAS;

(B) if the replacement reference rate referred to in paragraph (A) above is not available, the Bank may, at its sole discretion, determine a replacement reference rate or revise the pricing in its absolute discretion, provided that the Bank shall provide at least 30 days prior notification to you of such replacement reference rate selected by the Bank or such revised pricing as determined by the Bank. Such notification shall be conclusive and binding on you. For the avoidance of doubt, the revised pricing and/or Prescribed Rate shall include among others, the aggregate of the margin, the Bank's Cost of Funds (from whatever source it reasonably selects) and any mandatory cost.

(b) Market Disruption

If a Market Disruption Event occurs in relation to the Facility for any interest period, then the Bank has the absolute discretion at any time upon notification (but without your consent) be entitled to revise or vary the rate of interest. Such notification shall be conclusive and binding on you. For the purpose of this Clause, "Market Disruption Event" means:

(a) By reason of circumstances affecting the relevant interbank market generally, it is impracticable for the Bank to fund or continue to fund the Facility or any advance during any interest period;

(b) by reason of circumstances affecting the relevant interbank market generally, the Bank determines that the cost to it of obtaining matching deposits in the relevant interbank market would be in excess of the relevant SIBOR, SOR or Compounded SORA Rate or other applicable benchmark rate(s);

(c) Adequate and fair means do not exist for ascertaining the interest rate for any interest period;

(d) Deposits are not available to the Bank in the relevant interbank market in sufficient amounts to fund the Facility (or any part of it) for any interest period;

(e) The Screen Rate is not available or the Screen Rate is zero or negative; or

(f) By reason of any circumstances whatsoever, the Bank in its sole discretion is of the view that its cost of funding or any other costs in relation to the funding of the Facility have increased or are likely to increase. For the avoidance of doubt, the revised rate of interest shall include among others, the aggregate of the margin, the Bank's cost of funds (from whatever source it reasonably selects) and any mandatory cost.

For the purpose of this Clause 19: "Cost of Fund" means in relation to any period the rate payable by the Bank for the cost of borrowing in the currency of the relevant Facility for such period in respect of the relevant amount and (i) in the case of borrowing in Singapore Dollars, it means in relation to any period the rate payable by the Bank for the cost of borrowing in Singapore Dollars for such period in respect of the relevant amount plus the cost of maintaining statutory reserves and liquid assets and/or complying with other requirements as may be imposed from time to time by the MAS or such other authorities having jurisdiction over banks in Singapore and (ii) in case of borrowing in foreign currencies, it means in relation to any period of the rate payable by the Bank for the costs of borrowing such foreign currencies for such period in respect of the relevant amount plus the cost of maintaining statutory reserves and liquid assets and/or complying with other requirements as may be imposed from time to time by MAS or such other authorities having jurisdiction over banks in Singapore.

Clause 31. Other Fees

31.3 We may add to, withdraw or otherwise vary the fees and charges payable in connection with the Facility. In such event, advance notice of 30 days of the change will be given to you.

若有任何疑问,请致电24小时客服热线1800 66 95566 (本地)或+65 677 95566(海外)查询。

特此公告

中国银行股份有限公司新加坡分行
2021年6月9日

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