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Housing Loan Information

Useful Information On The Housing Loan

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MAS Rules (w.e.f 6th July 2018)1st Loan2nd Loan3rd Loan
Loan TenureUp To 30 Yrs31-35 YrsUp To 30 Yrs31-35 YrsUp To 30 Yrs31-35 Yrs
Sum of Tenure & Age of BorrowerUp To 65Above 65Up To 65Above 65Up To 65Above 65
Loan To Value Limit
(Individual)
75%55%55%45%25%25%35%15%15%
Minimum Cash Outlay5%10%10%25%25%25%25%25%25%
Loan To Value Limit
(Non-Individual)
15%15%15%
Mortgage Servicing Ratio (MSR)30%
Total Debt Servicing Ratio (TDSR)60%
Stress Test Interest Rate3.50%