Housing Loan Information
Residential Home Loan Regulations (MAS)
As with all real estate related decisions, it is imperative to plan ahead and know the financing options available to you. Contact our Sales Representative to learn more about your loan eligibility and other financing matters related to your property purchase so that you can make your decision with assurance and a peace of mind.
|1st Housing Loan||2nd Housing Loan||3rd Housing Loan|
|Loan Tenure||Up to 30 years||31- 35 years||Up to 30 years||31- 35 years||Up to 30 years||31- 35 years|
|Age (Age used to calculate loan tenure is based on income-weighted average age)||Up to 65||66- 75||Up to 75||Up to 65||66- 75||Up to 75||Up to 65||66- 75||Up to 75|
|Maximum LTV Limit||75%||55%||55%||45%||25%||25%||35%||15%||15%|
|Minimum Cash Downpayment||5%||10%||10%||25%||25%||25%||25%||25%||25%|
|Guarantors/ Co-borrowers||All Co-borrowers must be mortgagors.|
Guarantors must be co-borrowers if the latter did not pass the TDSR criteria.
|Total Debt Servicing Ratio||60%|
|Stress Test Interest Rate||3.5%|
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