Housing Loan Information
Residential Home Loan Regulations (MAS)
| Outstanding housing loans | LTV limit | Minimum cash downpayment |
| None | 75% or 55% | 5% for LTV of 75% 10% for LTV of 55% |
| 1 | 45% or 25% | 25% |
| 2 | 35% or 15% | 25% |
Apply the lower LTV limit if the loan tenure exceeds 30 years (or 25 years for HDB flats), or the loan period extends beyond the borrower’s age of 65 years.
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