Mortgage Loan Eligibility Table.

Mortgage Loan Eligibility Table (Private Property):

1st Property 2nd Property 3rd Property onwards
  • 80%(60%1) Loan to Value Ratio (LTV)
  • TDSR: 60%
  • MSR: 30%
  • Loan Tenor: 30 years (Max or up to age 65 whichever is earlier)
  • 50% (30%)  Loan to Value Ratio (LTV)
  • TDSR: 60%
  • MSR: 30%
  • Loan Tenor: 30 years (Max or up to age 65 whichever is earlier)
  • 40% (20%) Loan to Value Ratio (LTV)
  • TDSR: 60%
  • MSR: 30%
  • Loan Tenor: 30 years (Max or up to age 65 whichever is earlier)

1 For Loan tenor more than 30 years but age limit below 65, the maximum loan is 60% instead of 80% for first property. The same applies for 2nd property onwards where the maximum loan allowable is reduced by 20% also.