top of page
Private Housing Loan
First Loan
Second Loan
Third Loan
Loan Tenure:
Age:
Max LTV Limit:
Min Cash DP:
Mortgage Servicing Ratio:
Total Debt Servicing Ratio:
Stress Test Interest rate:
Guarantors / Co-borrowers:
up to 30 yrs
up to 30 yrs
31-35 yrs
up to 30 yrs
up to 30 yrs
31-35 yrs
up to 30 yrs
up to 30 yrs
31-35 yrs
up to 65
up to
70-75
up to
70-75
up to 65
up to
70-75
up to
70-75
up to 65
up to
70-75
up to
70-75
Age used to calculate loan tenure, will be based on income-weighted
75%
55%
55%
45%
25%
25%
35%
15%
15%
5%
10%
10%
25%
25%
25%
25%
25%
25%
Not Applicable
55%
4%
All Co-borrowers must be mortgagors. Guarantors must be co-borrowers if the latter did not pass the TDSR criteria
Please consult professional for your loan eligibility assessment. Above details are for general information.
Stamp Duty*
Purchase price or market value of property
BSD rates for residential properties
BSD rates for non-residential properties
First $180,000
1%
1%
Next $180,000
2%
2%
Next $640,000
3%
3%
Next $500,000
4%
4%
Next $1,500,000
5%
5%
Remaining Amount
6%
---
*Please visit www.iras.gov.sg to confirm the above information and for more details
Additional Buyer Stamp Duty*
Profile of buyer
ABSD rates on or after 27 Apr 2023
Singapore Citizens (SC) buying first residential property
Not Applicable
SC buying second residential property
20%
SC buying third and subsequent residential property
30%
Singapore Permanent Residents (SPR) buying first residential property
5%
SPR buying second residential property
30%
SPR buying third and subsequent residential property
30%
Foreigners (FR) buying any residential property
60%
Entities buying any residential property
65%
Trustee buying any residential property
65%
*Please visit www.iras.gov.sg to confirm the above information and for more details
Hougang Central
Mixed Development
Condo | Shopping | Hougang MRT
bottom of page