|Loan Tenure||Up to 30 years||31-35 years|
|Age||Age used to calculate loan tenure, will be based on income-weighted|
|Up to 65||Up to 70-75||Up to 70-75|
|Maximum LTV Limit||75%||55%||55%|
|Minimum Cash Downpayment||5%||10%||10%|
|Gaurantors / Co-borrowers||All Co-borrowers must be mortgagors.
Guarantors must be co-borrowers if the latter did not pass the TDSR criteria
|Mortgage Servicing Ratio||N/A|
|Mortgage Servicing Ratio||60%|
|Stress Test Interest Rate||3.5%|
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