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Project Name

Tagline, if applicable
LAUNCHING Q1 2021
TOP Q1 2024
Updated as at 
3 March 2021

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Project Name Financing Information: Loan To Value (LTV)

 First LoanSecond LoanThird Loan
Loan TenureUp to 30 years31-35 yearsUp to 30 years31-35 yearsUp to 30 years31-35 years
AgeIncome Weighted Average Age
Up to 65Up to 70-75Up to 70-75Up to 65Up to 70-75Up to 70-75Up to 65Up to 70-75Up to 70-75
Maximum LTV Limit75%55%55%45%25%25%35%15%15%
If the borrower is a shell company or not an individual, the LTV limit is 15%
Minimum Cash Downpayment5%10%10%25%25%25%25%25%25%
Guarantors / Co-borrowersAll co-borrowers must be mortgagors.
Guarantors must be co-borrowers if the latter did not pass the TDSR criteria.
Mortgage Servicing Ratio (MSR) (for ECs)30%
Total Debt Servicing Ratio (TDSR)60%
Stress Test Interest Rate3.5%

The loan-to-value (LTV) limit determines the maximum amount an individual can borrow from a financial institution (FI) for a housing loan.

LTV refers to the loan amount as a percentage of the property’s value. For example, if an individual borrows $750,000 to purchase a property valued at $1,000,000, the LTV is 75%.

It was announced on 5 July 2018 that LTV limits will be tightened as part of a package of measures to cool the property market and keep price increases in line with economic fundamentals.

LTV Limits for Shell Companies

If the borrower is a shell company or not an individual, the LTV limit is 15%.
For more information, please refer to the MAS website at Loan Tenure and Loan-To-Value Limits
Project Name
Developer: X
Tenure: X
Location: X
Mukim Lot: X
District: X
Expected TOP: X
Expected CSC: X
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