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[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][ultimate_spacer height=”30″ height_on_mob_landscape=”30″ height_on_mob=”30″][ultimate_heading main_heading=”Housing Loan Information” heading_tag=”h1″ alignment=”left”][/ultimate_heading][vc_separator css=”.vc_custom_1526364829945{padding-top: 20px !important;}”][ultimate_heading main_heading=”Residential Home Loan Regulations (MAS)” main_heading_margin=”margin-bottom:20px;”][/ultimate_heading][vc_column_text el_class=”projectDetails”]First Loan | Second Loan | Third 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, will be based on income-weighted | ||||||||
Up to 65 | Up to 70-75 | Up to 70-75 | Up to 65 | Up to 70-75 | Up to 70-75 | Up to 65 | Up to 70-75 | Up to 70-75 | |
Maximum LTV Limit | 75% | 55% | 55% | 45% | 25% | 25% | 35% | 15% | 15% |
20% (non-individuals) | |||||||||
Minimum Cash Downpayment | 5% | 10% | 10% | 25% | 25% | 25% | 25% | 25% | 25% |
Gaurantors / Co-borrowers | All Co-borrowers must be mortgagors. Guarantors must be co-borrowers if the latter did not pass the TDSR criteria | ||||||||
Mortgage Servicing Ratio | N/A | ||||||||
Total Debt Servicing Ratio | 60% | ||||||||
Stress Test Interest Rate | 3.5% |
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