| 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% |
