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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 LoanSecond LoanThird Loan
Loan TenureUp to 30 years31-35 yearsUp to 30 years31-35 yearsUp to 30 years31-35 years
AgeAge used to calculate loan tenure, will be based on income-weighted
Up to 65Up to 70-75Up to 70-75Up to 65Up to 70-75Up to 70-75Up to 65Up to 70-75Up to 70-75
Maximum LTV Limit75%55%55%45%25%25%35%15%15%
20% (non-individuals)
Minimum Cash Downpayment5%10%10%25%25%25%25%25%25%
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
Total Debt Servicing Ratio60%
Stress Test Interest Rate3.5%

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