Tag: property loan

total debt servicing ratio tdsr buying property

7 facts about the Total Debt Servicing Ratio (TDSR) property buyers need to know

Implemented back in June 2013 by the Monetary Authority of Singapore (MAS), the Total Debt Servicing Ratio (TDSR) is a framework that safeguards borrowers against over-borrowing for their property purchase(s). In essence, the TDSR limits the amount individuals can spend on monthly mortgage debt repayments, based on a percentage of their gross monthly income. All…

TDSR limit

Loan-to-value (LTV) limit: a Quick Guide for Property Buyers

To protect homebuyers from over-borrowing, the Singapore government has set a loan-to-value (LTV) limit for bank housing loans. In a nutshell, the LTV limit defines the maximum home loan amount a bank can grant you as a percentage of the property’s market value (i.e. its valuation). In July 2018, the government announced a tightening of…


Property loan: 9 costly mistakes Singaporeans make

If you’ve never bought a house before — and let’s face it, that probably isn’t something you do every other Tuesday — your first property loan will be a genuine pain. First of all, a housing loan is nothing like a personal loan. The variable interest rates, loan restrictions, and banking jargon is enough to make…

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