Kassia | Housing Loan Infomation

Residential Home Loan Regulations (MAS)

	First Loan			Second Loan			Third Loan
Loan Tenure	Up to 30 years		31-35 years	Up to 30 years		31-35 years	Up to 30 years		31-35 years
Age	Age used to calculate loan tenure, will be based on income-weighted
	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
Maximum LTV Limit	75%	55%	55%	45%	25%	25%	35%	15%	15%
	20% (non-individuals)
Minimum Cash Downpayment	5%	10%	10%	25%	25%	25%	25%	25%	25%
Gaurantors / Co-borrowers	All Co-borrowers must be mortgagors. Guarantors must be co-borrowers if the latter did not pass the TDSR criteria
Mortgage Servicing Ratio	N/A
Total Debt Servicing Ratio	55%
Stress Test Interest Rate	4.5%

TO BOOK SHOWFLAT APPOINTMENT & GET DIRECT DEVELOPER PRICE + DISCOUNTS