新加坡：从周五（10月30日）起，个人购买登记为网约车（PHC）的车辆，将受到与私家车买家相同的贷款限制，堵住了部分车主可能利用的漏洞，以获得更宽松的融资条件。
SINGAPORE: Individuals buying vehicles registered as private-hire cars (PHCs) will be subject to the same loan restrictions as private car buyers from Friday (Oct 30), closing a potential loophole that some motorists may have used to secure more generous financing terms.
此举源于当局担忧，部分买家可能利用原本为商用车辆设立的豁免，尽管他们并无提供网约服务的意图。
The move comes amid concerns that some buyers may have been taking advantage of an exemption meant for commercial vehicles, despite having no intention of providing private-hire services.
当局周四在一份联合媒体声明中表示，近期个人拥有的自驾网约车登记量激增，每月约有500辆此类车辆登记。
In a media release on Thursday, authorities said there had been a recent surge in registrations of individually owned self-drive PHCs, with about 500 such vehicles registered each month.
交通部、新加坡金融管理局、贸工部和法律部在联合媒体声明中说，这“表明部分人这样做主要是为了获得更宽松的融资条件”。
This "suggests that some may be doing so primarily to access more permissive financing terms", the Ministry of Transport, Monetary Authority of Singapore, Ministry of Energy, Trade and Industry and Ministry of Law said in a joint media release.
根据新规则，个人购买公开市场价值（OMV）在2万新元（约合15600美元）或以下的网约车，可借款最高达车辆购买价格的70%。
Under the new rules, individuals purchasing PHCs with an open market value (OMV) of S$20,000 (US$15,600) or less will be allowed to borrow up to 70 per cent of the vehicle's purchase price.
对于公开市场价值超过2万新元的车辆，最高贷款价值比将为60%。购买价格包含相关税费以及拥车证（COE）成本（如适用）。贷款期限也将上限设定为七年。
For vehicles with an OMV exceeding S$20,000, the maximum loan-to-value ratio will be 60 per cent. The purchase price includes relevant taxes and the cost of the certificate of entitlement (COE), where applicable. Loan tenures will also be capped at seven years.
这些限制早已适用于普通私家车购买，但此前不适用于网约车，因为网约车基于商用用途而获豁免。
These restrictions already apply to ordinary private car purchases but have not applied to PHCs, which were previously exempted on the basis that they were used for commercial purposes.
该豁免最初旨在认可网约车的商业用途，网约车不同于出租车，属于私家车，但也可用于提供网约服务。
The exemption was originally intended to recognise the commercial use of PHCs, which, unlike taxis, are private cars that can also be used to provide private-hire services.
不过，当局指出，多年来网约车行业已发生演变，车队规模已增长并趋于稳定。
However, the authorities noted that the PHC industry had evolved over the years, with the fleet having grown and stabilised.
“近期，越来越多利用这一豁免的私家车个人买家并无意提供网约车服务，”有关当局表示。
"More recently, there have been more instances of individual buyers of private cars using this exemption who have no intent to offer PHC services," the authorities said.
“为确保网约车购买不被用来规避适用于私家车买家的融资限制，网约车个人买家现在将受到与私家车买家相同的融资限制，”他们补充道。
"To ensure that PHC purchases cannot be used to circumvent financing restrictions that apply to private car buyers, individual buyers of PHCs will now be subject to the same financing restrictions as private car buyers," they added.
“这也将确保新网约车司机与其他私家车买家一样审慎理财。”新融资限制将适用于个人（包括独资经营者）从金融机构、持牌或豁免放债人处获得的机动车贷款。限制也将涵盖分期付款和附条件销售协议。新规将适用于销售协议于10月30日当天或之后签署的购买。
"This will also ensure that new PHC drivers exercise the same financial prudence as other private car buyers." The new financing restrictions will apply to individuals, including sole proprietors, obtaining motor vehicle loans from financial institutions and licensed or exempt moneylenders. They will also cover hire-purchase and conditional sale agreements. The rules will apply to purchases where sales agreements are signed on or after Oct 30.
若无销售协议，则在车辆拥有证（COE）于该日期当天或之后获得时适用限制。
Where there is no sales agreement, the restrictions will apply if the COE is obtained on or after that date.
商用车辆、企业拥有的网约车和摩托车将继续豁免于融资限制之外。
Commercial vehicles, business-owned PHCs and motorcycles will remain exempt from the financing restrictions.
其他措施 政府表示，曾单独考虑其他措施，包括为网约车和汽车租赁公司设立专门的车辆拥有证类别。
OTHER MEASURES The government said it had separately considered other measures, including creating a dedicated COE category for private-hire and car-leasing companies.
“但这很可能导致网约车司机租金上涨和网约车用户车费上涨，从而损害没有车或不会开车的人的利益，”他们表示。
“However, this will likely result in higher rentals for PHC drivers and higher fares for PHC users, thus disadvantaging those who do not own a car or cannot drive,” they said.
“这也将要求对网约车司机和车辆制定更多规定性规则，从而降低满足网约车用户通勤需求的灵活性。”当局表示，政府将继续监测市场发展，并可能采取进一步措施，确保融资限制在不同安排（包括内部贷款）中得到一致应用。政府也将与平台运营商密切合作，有效且一致地落实这些措施。
“It will also require more prescriptive rules on PHC drivers and cars, thus reducing the flexibility to meet the commuting demand of PHC users.”Authorities said the government would continue to monitor market developments and could take further steps to ensure that financing restrictions were applied consistently across different arrangements, including in-house loans. It would also work closely with platform operators to implement the measures effectively and consistently.
“我们建议所有有意购车者量力借贷，并避免使用不受监管的融资方案，”当局表示。
“We advise all prospective car buyers to borrow within their means and avoid unregulated financing schemes,” the authorities said.