{"id":18730,"date":"2022-01-20T04:00:15","date_gmt":"2022-01-19T20:00:15","guid":{"rendered":"https:\/\/www.99.co\/blog\/singapore\/?p=18730"},"modified":"2024-08-21T14:32:59","modified_gmt":"2024-08-21T06:32:59","slug":"ltv-limit-loan-to-value-property-singapore","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/ltv-limit-loan-to-value-property-singapore\/","title":{"rendered":"Guide to loan-to-value (LTV) limits, based on type and number of housing loans you have"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div>\n<p>To protect homebuyers from over-borrowing, the Singapore government has set a loan-to-value (LTV) limit for housing loans. In a nutshell, <strong>the LTV limit defines the maximum home loan amount HDB or a financial institution can grant you as a percentage of the property&#8217;s price or market value (whichever is lower).&nbsp;<\/strong><\/p>\n\n\n\n<p>The LTV for bank loans is now 75%, after the government announced a tightening of LTV limits on residential property loans by 5% across the board, together with other cooling measures in July 2018.<\/p>\n\n\n\n<p>Most recently, the government lowered the LTV for <a href=\"https:\/\/www.99.co\/singapore\/insider\/home-loan-hdb-concessionary-loan\/\">HDB housing loans.<\/a> <strong>During the National Day Rally in August 2024, it was announced that the LTV for HDB housing loans was reduced from <\/strong><a href=\"https:\/\/www.99.co\/singapore\/insider\/national-day-rally-2024\/\"><strong>80% to 75%<\/strong><\/a><strong>.<\/strong> Having a lower LTV means that buyers will have to commit to a bigger downpayment, in cash and\/or CPF, when buying a property.<\/p>\n\n\n\n<p>Regardless of whether you&#8217;re purchasing your first, second, or third property, we&#8217;ll walk you through all you need to know about the LTV limits, and how much extra cash\/CPF funds you need as a downpayment for your new home.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>Table of contents<\/h2><ul><li><a href=\"#h-ltv-limit-for-hdb-housing-loans\" data-level=\"2\">LTV limit for HDB housing loans<\/a><\/li><li><a href=\"#h-ltv-limit-for-bank-loans\" data-level=\"2\">LTV limit for bank loans<\/a><ul><li><a href=\"#h-for-the-first-property-loan\" data-level=\"3\">For the first property loan<\/a><\/li><li><a href=\"#h-for-the-second-property-loan\" data-level=\"3\">For the second property loan<\/a><\/li><li><a href=\"#h-for-the-third-property-loan\" data-level=\"3\">For the third property loan<\/a><\/li><\/ul><\/li><li><a href=\"#h-what-if-i-have-an-outstanding-housing-loan-but-intend-to-sell-my-hdb-flat-to-upgrade-nbsp\" data-level=\"2\">What if I have an outstanding housing loan but intend to sell my HDB flat to upgrade?\u00a0<\/a><\/li><li><a href=\"#h-how-can-i-increase-my-ltv-limit\" data-level=\"2\">How can I increase my LTV limit?<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ltv-limit-for-hdb-housing-loans\"><strong>LTV limit for HDB housing loans<\/strong><\/h2>\n\n\n\n<p>As mentioned earlier, the LTV limit for HDB housing loans has been lowered from 80% to 75%. This means buyers will now have to fork out a 25% downpayment instead of the previous 20%.<\/p>\n\n\n\n<p><strong>Example A: Financing a 4-room HDB flat valued at S$500,000 using an HDB loan&nbsp;<\/strong><\/p>\n\n\n\n<p>With a 75% LTV limit, your maximum loan amount will be S$375,000.<\/p>\n\n\n\n<p>This means you&#8217;ll have to pay a S$125,000 downpayment with cash and\/or CPF funds.<\/p>\n\n\n\n<p><img decoding=\"async\" alt=\"Couple using laptop to complete their HDB resale application\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXc6cwuMS2xPnx3Pcw4sKNSCSTt6gJAg13wCqHjpr-CVmo8uS0DN65FrtWHdGGy_yKM6ULZ3s3S-ZWCt0IkjEW9lGCcnCO2ck6AmEhWYmdJcrDjI2YEZmwXA9z4QFQ3gSFRPfbC3TtzhcrjEONDfvcl-DpK4?key=SFJeMRuT5MHZ90g3BwTP0Q\" width=\"624\" height=\"416\">With a lower LTV, you&#8217;ll have to be prepared to pay more for your downpayment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ltv-limit-for-bank-loans\"><strong>LTV limit for bank loans<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-for-the-first-property-loan\"><strong>For the first property loan<\/strong><\/h3>\n\n\n\n<p>If you&#8217;re taking a bank loan and don&#8217;t have any outstanding housing loan, either one of these <a href=\"https:\/\/www.mas.gov.sg\/regulation\/explainers\/new-housing-loans\/loan-tenure-and-loan-to-value-limits\">LTV limits<\/a> is applicable to you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>75% LTV limit for a loan tenure of 30 years or less, with a minimum cash downpayment of 5%<\/li>\n\n\n\n<li>55% LTV limit for a loan tenure of more than 30 years, or if the loan extends past the age of 65. The minimum cash downpayment will be 10%.<\/li>\n<\/ul>\n\n\n\n<p>The remaining downpayment can be paid with cash and\/or CPF funds.<\/p>\n\n\n\n<p><strong>Example B: Financing a 4-room HDB flat valued at S$500,000 with a loan tenure of 25 years<\/strong><\/p>\n\n\n\n<p>The maximum loan obtainable with a 75% LTV is S$375,000.<\/p>\n\n\n\n<p>This means you have to fork out a downpayment of S$125,000 with cash and CPF funds. Out of this downpayment, S$25,000 (5% of purchase price or valuation) has to be paid in cash.<\/p>\n\n\n\n<p><strong>Example C: Financing a 3-bedroom condo valued at S$1.5 million with a loan tenure of 30 years&nbsp;<\/strong><\/p>\n\n\n\n<p>For a S$1.5 million condo and an LTV limit of 75%, the maximum loan amount obtainable is S$1,125,000.<\/p>\n\n\n\n<p>So the downpayment will be S$375,000 in cash and CPF funds. Out of this amount, you&#8217;ll have to pay S$75,000 in cash.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.99.co\/singapore\/tools\/mortgage-calculator\"><em>Calculate your home loan instalment with 99.co&#8217;s mortgage calculator.<\/em><\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-for-the-second-property-loan\"><strong>For the second property loan<\/strong><\/h3>\n\n\n\n<p>If you&#8217;re already servicing one housing loan, the LTV applicable will be lower. On top of that, the minimum cash downpayment will be higher at 25%.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>45% LTV for a loan tenure of 30 years or less<\/li>\n\n\n\n<li>25% LTV for a loan tenure of more than 30 years, or if the loan extends past the age of 65<\/li>\n<\/ul>\n\n\n\n<p><strong>Example D: Financing a 3-bedroom condo valued at S$1.5 million with a loan tenure of 30 years<\/strong><\/p>\n\n\n\n<p>With an LTV of 45%, the maximum loan amount you can get is S$675,000.<\/p>\n\n\n\n<p>So you would have to pay S$825,000 with CPF and cash, including a minimum of S$375,000 in cash.<\/p>\n\n\n\n<p><img decoding=\"async\" alt=\"A man signing an agreement\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXeiXuVXZKm-t8XylNX0nG7qUp4sX_gWt1PiBymKJKWjHLsQOqEvkaTrt_p7bck51id1hrEGf422onEViU2wgd546nIb75nErxdSa9WCQpEg9esjGaCMErABByHjuY96ph1F7_me3Wo8YQblmcGsUaOmFbs?key=SFJeMRuT5MHZ90g3BwTP0Q\" width=\"624\" height=\"417\">The more housing loans you&#8217;re servicing, the lower the LTV limit you&#8217;ll have for the subsequent loan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-for-the-third-property-loan\"><strong>For the third property loan<\/strong><\/h3>\n\n\n\n<p>To prevent people from overleveraging, the LTV will be even lower if you&#8217;re already servicing two housing loans.<\/p>\n\n\n\n<p>Like those taking a second property loan, the minimum cash downpayment will be 25%.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>35% LTV for a loan tenure of 30 years or less<\/li>\n\n\n\n<li>15% LTV for a loan tenure of more than 30 years, or if the loan extends past the age of 65<\/li>\n<\/ul>\n\n\n\n<p><strong>Example E: Financing a 3-bedroom condo valued at S$1.5 million with a loan tenure of 30 years<\/strong><\/p>\n\n\n\n<p>With an LTV of 35%, the maximum loan you can get is S$525,000.<\/p>\n\n\n\n<p>This means that the downpayment will be S$975,000, with a minimum of S$375,000 to be paid in cash.<\/p>\n\n\n\n<p>Speak to <a href=\"https:\/\/www.99.co\/singapore\/mortgages\">99.co\u2019s mortgage broker<\/a> to find out more on which home loan is best for you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-if-i-have-an-outstanding-housing-loan-but-intend-to-sell-my-hdb-flat-to-upgrade-nbsp\"><strong>What if I have an outstanding housing loan but intend to sell my HDB flat to upgrade?&nbsp;<\/strong><\/h2>\n\n\n\n<p>In this case, you can be treated as someone with no outstanding housing loans. <a href=\"https:\/\/www.uob.com.sg\/personal\/borrow\/property\/mortgage-options\/hdb-home-loan.page\">According to UOB<\/a>, the outstanding home loan on your flat will not affect the maximum loan amount you can get for the new property.<\/p>\n\n\n\n<p>But you&#8217;ll need to provide documents such as a copy of the approval letter from HDB and a copy of a letter of undertaking to complete the sale of your HDB flat.<\/p>\n\n\n\n<p><em>[Additional reporting by Virginia Tanggono]<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-can-i-increase-my-ltv-limit\"><strong>How can I increase my LTV limit?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Increase your down payment<\/strong>: One way to increase your LTV limit is to increase your down payment. The higher the down payment, the lower the loan amount, and the higher the LTV limit.<\/li>\n\n\n\n<li><strong>Reduce your loan tenure<\/strong>: Another way to increase your LTV limit is to reduce your loan tenure. The shorter the loan tenure, the lower the loan amount, and the higher the LTV limit.<\/li>\n\n\n\n<li><strong>Improve your credit score<\/strong>: A good credit score can increase your chances of getting a higher LTV limit. Banks consider credit scores when assessing the risk of lending money, and a good credit score can help you negotiate better loan terms.<\/li>\n\n\n\n<li><strong>Apply for a joint loan<\/strong>: Applying for a joint loan with a co-borrower can increase your LTV limit. Banks consider the combined income and creditworthiness of both borrowers when assessing the risk of lending money, which can result in a higher LTV limit.<\/li>\n\n\n\n<li><strong>Choose a shorter loan tenure<\/strong>: Choosing a shorter loan tenure can increase your LTV limit. The shorter the loan tenure, the lower the loan amount, and the higher the LTV limit.<\/li>\n\n\n\n<li><strong>Reduce your debt-to-income ratio<\/strong>: Reducing your debt-to-income ratio can increase your LTV limit. Banks consider your debt-to-income ratio when assessing the risk of lending money, and a lower ratio can result in a higher LTV limit.<\/li>\n\n\n\n<li><strong>Choose a property with a higher valuation<\/strong>: Choosing a property with a higher valuation can increase your LTV limit. The LTV limit is based on the assessed property value, so a higher valuation can result in a higher LTV limit.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>What do you think of the new LTV limit for HDB housing loans? Let us know in the comments section below.&nbsp;<\/strong><\/p>\n\n\n\n<p>If you found this article helpful, 99.co recommends <a href=\"https:\/\/www.99.co\/singapore\/insider\/hdb-loan-eligiblity-hle\/\">How to apply for a HDB Loan Eligibility (HLE) letter<\/a> and <a href=\"https:\/\/www.99.co\/singapore\/insider\/in-principle-approval-ipa\/\">In-Principle Approval (IPA) for home loans: What is it and how do you get it?<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>Frequently Asked Questions (FAQs)<\/strong><\/p>\n\n\n\n<p><strong>What is LTV?<\/strong><\/p>\n\n\n\n<p>LTV stands for Loan-to-Value. It refers to the maximum amount you can get for a housing loan from a financial institution. For example, a 60% LTV means that you can borrow up to 60% of the purchase price or valuation of the property, whichever is lower.<\/p>\n\n\n\n<p><strong>Can I get a housing loan for a second property?<\/strong><\/p>\n\n\n\n<p>Yes, you can. The LTV for a second property is 45%, or 25% if the loan tenure is longer than 30 years or if it extends past the borrower\u2019s 65th birthday.<\/p>\n\n\n\n<p><strong>What types of LTV ratios are there?<\/strong><\/p>\n\n\n\n<p>There are two primary types of LTV to consider when buying a property locally: the HDB housing loan LTV and bank loan LTV, with a maximum ratio of 75%, respectively.<\/p>\n\n\n\n<p><strong>What factors affect the loan-to-value (LTV) ratio?<\/strong><\/p>\n\n\n\n<p>The following are the main factors that will establish your LTV limit, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your age<\/li>\n\n\n\n<li>The number of housing loans you currently have<\/li>\n\n\n\n<li>Your loan duration<\/li>\n\n\n\n<li>The property\u2019s condition or location<\/li>\n\n\n\n<li>Your credit score or rating<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>To protect homebuyers from over-borrowing, the Singapore government has set a loan-to-value (LTV) limit for housing loans. In a nutshell, the LTV limit defines the maximum home loan amount HDB or a financial institution can grant you as a percentage of the property&#8217;s price or market value (whichever is lower).&nbsp; The LTV for bank loans&hellip;<\/p>\n","protected":false},"author":17,"featured_media":57836,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"12465,32114,55833,24582,7810,49898","_relevanssi_noindex_reason":"","_lmt_disableupdate":"no","_lmt_disable":"no","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[53593,53674,57131],"tags":[53926,53947,53917,54963,54586,53919,57191],"persona":[57125,57127],"class_list":{"2":"type-post","19":"entry","20":"has-post-thumbnail"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.7.1 (Yoast SEO v25.7) - 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