Loan to Value

Loan-to-Value (LTV) For Private Residential Properties

Use this quick matrix to determine the maximum LTV and the required minimum cash downpayment, based on your loan count and whether loan tenure exceeds 30 years or tenure + current age exceeds 65 years.

LTV & Minimum Cash — By Number of Housing Loans

1st Loan
Loan tenure ≤ 30 yrs Tenure + age ≤ 65
75%Max LTV
5%Min Cash
Loan tenure > 30 yrs or Tenure + age > 65
55%Max LTV
10%Min Cash
2nd Loan
Loan tenure ≤ 30 yrs Tenure + age ≤ 65
45%Max LTV
25%Min Cash
Loan tenure > 30 yrs or Tenure + age > 65
25%Max LTV
25%Min Cash
3rd Loan
Loan tenure ≤ 30 yrs Tenure + age ≤ 65
35%Max LTV
25%Min Cash
Loan tenure > 30 yrs or Tenure + age > 65
15%Max LTV
25%Min Cash
Loan Count Condition Max LTV Minimum Cash
1stTenure ≤ 30 yrs & Tenure + age ≤ 6575%5%
1stTenure > 30 yrs or Tenure + age > 6555%10%
2ndTenure ≤ 30 yrs & Tenure + age ≤ 6545%25%
2ndTenure > 30 yrs or Tenure + age > 6525%25%
3rdTenure ≤ 30 yrs & Tenure + age ≤ 6535%25%
3rdTenure > 30 yrs or Tenure + age > 6515%25%

NOTE: Non-individual borrowers — maximum LTV is 15%. All scenarios remain subject to TDSR/MSR, bank credit assessment and prevailing regulations.

Get Your LTV & Cash Plan Free 10-minute consult: scenario modelling, ABSD/BSD and cash vs CPF mix.

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