Housing Loan Information

Residential Home Loan Regulations (MAS)

Sole Loan
Loan TenureUp to 30 years31-35 years
AgeAge used to calculate loan tenure, will be based on income-weighted
Up to 65Up to 70-75Up to 70-75
Maximum LTV Limit75%55%55%
20% (non-individuals)
Minimum Cash Downpayment5%10%10%
Gaurantors / Co-borrowersAll Co-borrowers must be mortgagors.
Guarantors must be co-borrowers if the latter did not pass the TDSR criteria
Mortgage Servicing RatioN/A
Mortgage Servicing Ratio60%
Stress Test Interest Rate3.5%

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