House Loan Information

Residential Home Loan Regulations (MAS)

1st Loan 2nd Loan 3rd 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 Of Borrower Up To 65 Above 65 Up To 65 Above 65 Up To 65 Above 65
Maximum LTV 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
Mortgage Servicing Ratio 30%
Total Debt Servicing Ratio 60%
Stress Test Interest Rate 3.5%

*Based on new Government regulations that took effect on 6 July 2018.