When buying property in Singapore, two key regulations govern how much you can borrow: the Total Debt Servicing Ratio (TDSR) and the Loan-to-Value (LTV) limit. These frameworks, set by the Monetary Authority of Singapore (MAS), ensure prudent borrowing and help buyers...
By now, you should have heard about the cooling measures announced close to midnight yesterday, a move to prevent any rush of option issuance at the eleventh hour. The first time we witnessed a release at this timing! How this is going to impact you? We did a very...
There has been a lot of discussion going around cooling measures in the Singapore property market and therefore we thought about adding our point of view to the discussions.Before we begin our discussion on cooling measures there are three important questions that we...
In the earlier article, “Executive Condo (EC) or Private Condominium”, we raised a point that the owner of the EC, like the owner of a private condominium, can cash out from their EC without selling their home using a home equity loan. Since then, we have received...
SINGAPORE — The Monetary Authority of Singapore (MAS) has widened the existing exemptions from the Total Debt Servicing Ratio (TDSR) to cover the refinancing of loans for owner-occupied properties that were bought before the measure was introduced last year. Under the...
