|First Loan||Second Loan||Third Loan and Above|
|Loan Tenure||Up to 35 years||31-35 years||Up to 35 years||31-35 years||Up to 35 years||31-35 years|
|Age||Age used to calculate loan tenure, Maximum 70 years old|
|Up to 70||Up to 70||Up to 70|
|Maximum Loan Limit||90%||90%||70%|
|Minimum Cash Downpayment||10%||10%||30%|
|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|
|Total Debt Servicing Ratio||60%-80%|
|Standard Interest Rate||4.3%-4.5%|
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