Maximum Loan Quantum (LTV Limit) for Residential Properties in Singapore
Last modified date: 8 August 2026
Maximum Loan Quantum or Loan-to-Value (LTV) Limit refers to the maximum amount an individual can borrow from a financial institution for a housing loan.
Here, we are looking at the Maximum Loan Quantum for new loans to finance residential properties in Singapore. Whether you are buying a private property, an executive condo (EC), or a HDB flat, banks are allowed to finance the purchase up to 75% of the property's price or valuation, whichever is lower. Minimum 5% cash down payment is required. The rest of the down payment can be paid via CPF &/or cash.
If your required loan does not exceed 55% LTV, you can opt for a longer loan period (up to age 70/75 years), capped at 30 years (for HDB)/35 years for private property, provided you can pay at least 10% cash down payment.
However, if you already have an existing property loan, banks can only finance up to 45% LTV. This is further reduced to 35% if you have 2 or more existing property loans. Minimum cash down payment is 25%.
The LTV Limit, Minimum Cash Down Payment, and Maximum Loan Tenure for Individual and Corporate Borrowers are summarized in the table below.
|
Individual Borrower |
Corporate Borrower |
||||
|---|---|---|---|---|---|
|
With Zero |
With 1 |
With 2 or more |
|||
| PRIVATE PROPERTY - Up to 30 years Tenure | |||||
|
LTV Limit Min. Cash Down Payment |
75% 5% |
45% 25% |
35% 25% |
15% 85% |
|
| PRIVATE PROPERTY - Up to 35 years Tenure | |||||
|
LTV Limit Min. Cash Down Payment |
55% 10% |
25% 25% |
15% 25% |
15% 85% |
|
| HDB FLAT - Up to 25 years Tenure | |||||
|
LTV Limit Min. Cash Down Payment |
75% 5% |
45% 25% |
35% 25% |
N.A. |
|
| HDB FLAT - Up to 30 years Tenure | |||||
|
LTV Limit Min. Cash Down Payment |
55% 10% |
25% 25% |
15% 25% |
N.A. | |
With effect from 6 Jul 2018
Your maximum loan eligibility depends on your Income and Debt Obligation. Learn about TDSR and MSR.
Unsure if you qualify for the maximum loan, Apply for In Principle Approval here before placing an option fee.
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