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16 Banks - Best Housing Loans in Singapore - Exclusive Rewards!

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*SGD Value Equivalent*
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Instant Access To Top 5 Home Loans Across 145 Packages in Singapore

View Monthly Installments, Special Terms & Savings for each Home Loan

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Not at all. DollarBack Mortgage is paid by banks for every successful home loan application. Our service to you is Completely Free!

The Loan To Value Limit (LTV) is simply the percentage of your property’s price/ value that the bank will be able to provide you a loan with. The maximum LTV value according to regulations is at 75% for new purchases and 80% for refinancing.

Let’s say that you have recently purchased a property at $1,000,000.

A bank will therefore be able to give you a maximum housing loan amount of:

Purchase price ($1,000,000) x LTV (75%) = $750,000

Total Debt Servicing Ratio (TDSR) is a ratio of your total monthly debt obligations to your monthly gross salary. The TDSR ratio is at a maximum of 60% for home loan applications. This means your total monthly debt obligations cannot exceed 60% of your total monthly gross salary.

*TDSR is applicable to HDB, Private and Commercial Properties.

Mortgage Servicing Ratio (MSR) is a ratio of your applied monthly home loan installment to your monthly gross salary. The MSR ratio is at a maximum of 30%.

*MSR only applies to HDB properties.

For HDB and private properties, the maximum loan is 75% of the property value.

For commercial properties, the maximum loan is 80% of the property value.

DollarBack Mortgage recommends the Top 5 Home Loans after going through a selection process of more than 145 Home Loans. However, if you wish to view a complete list, we will be more than happy to share that with you. Contact a Dollarback Mortgage Professional.

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