The limit
From HDB's October 2024 BTO sales exercise, the loan-to-value limit for HDB housing loans was lowered to 75%. HDB adds that the limit for loans from financial institutions is also 75%.
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In the calculator
Choose HDB flat and the result shows your loan as a share of the price, next to that limit. Above it, a line tells you so.
Income ratios
The Monetary Authority of Singapore (MAS) caps the mortgage servicing ratio (MSR) at 30% of gross monthly income; it applies only to the purchase of an HDB flat or an executive condominium where the minimum occupation period has not expired. A borrower's total debt servicing ratio (TDSR) should be less than or equal to 55%. The calculator shows your own ratios next to the limit that applies. Lenders work the ratios out at a floor rate we have not verified, so their figures can be higher.
Private property
For a bank loan the loan-to-value limit depends on your outstanding housing loans: none: 75% or 55% · one: 45% or 25% · two or more: 35% or 15%. The lower limit applies when the tenure is over 30 years (25 years for an HDB flat) or the loan period runs beyond the borrower's age of 65.