Housing Loan Information

Residential Home Loan Information

First Loan Second Loan Third Loan and Above
Loan Tenure Up to 35 years 31-35 years Up to 35 years 31-35 years Up to 35 years 31-35 years
Age Age used to calculate loan tenure, Maximum 70 years old
Up to 70 Up to 70 Up to 70
Maximum Loan Limit 90% 90% 70%
Minimum Cash Downpayment 10% 10% 30%
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%-80%
Standard Interest Rate 4.3%-4.5%

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