{"id":708,"date":"2018-05-15T03:52:19","date_gmt":"2018-05-15T03:52:19","guid":{"rendered":"https:\/\/margaretsville.com\/?page_id=708"},"modified":"2019-06-27T14:50:45","modified_gmt":"2019-06-27T06:50:45","slug":"housing-loan-information","status":"publish","type":"page","link":"https:\/\/www.thehydesingapore.com\/housing-loan-information\/","title":{"rendered":"Housing Loan Information"},"content":{"rendered":"

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Housing Loan Information<\/h2><\/div><\/div>[vc_separator css=”.vc_custom_1526364829945{padding-top: 20px !important;}”]
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Residential Home Loan Regulations (MAS)<\/h2><\/div><\/div>[vc_column_text el_class=”projectDetails”]<\/p>\n
\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
<\/th>\nFirst Loan<\/th>\nSecond Loan<\/th>\nThird Loan<\/th>\n<\/tr>\n<\/thead>\n
Loan Tenure<\/td>\nUp to 30 years<\/td>\n31-35 years<\/td>\nUp to 30 years<\/td>\n31-35 years<\/td>\nUp to 30 years<\/td>\n31-35 years<\/td>\n<\/tr>\n
Age<\/td>\nAge used to calculate loan tenure, will be based on income-weighted<\/td>\n<\/tr>\n
Up to 65<\/td>\nUp to 70-75<\/td>\nUp to 70-75<\/td>\nUp to 65<\/td>\nUp to 70-75<\/td>\nUp to 70-75<\/td>\nUp to 65<\/td>\nUp to 70-75<\/td>\nUp to 70-75<\/td>\n<\/tr>\n
Maximum LTV Limit<\/td>\n75%<\/td>\n55%<\/td>\n55%<\/td>\n45%<\/td>\n25%<\/td>\n25%<\/td>\n35%<\/td>\n15%<\/td>\n15%<\/td>\n<\/tr>\n
20% (non-individuals)<\/td>\n<\/tr>\n
Minimum Cash Downpayment<\/td>\n5%<\/td>\n10%<\/td>\n10%<\/td>\n25%<\/td>\n25%<\/td>\n25%<\/td>\n25%<\/td>\n25%<\/td>\n25%<\/td>\n<\/tr>\n
Gaurantors \/ Co-borrowers<\/td>\nAll Co-borrowers must be mortgagors.
\nGuarantors must be co-borrowers if the latter did not pass the TDSR criteria<\/td>\n<\/tr>\n
Mortgage Servicing Ratio<\/td>\nN\/A<\/td>\n<\/tr>\n
Total Debt Servicing Ratio<\/td>\n60%<\/td>\n<\/tr>\n
Stress Test Interest Rate<\/td>\n3.5%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

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