Housing Loan Information

	First Loan			Second Loan			Third Loan
Loan Tenure	Up to 30 years		31-35 years	Up to 30 years		31-35 years	Up to 30 years		31-35 years
Age	Age used to calculate loan tenure, will be based on income-weighted
Age	Up to 65	Up to 70-75	Up to 70-75	Up to 65	Up to 70-75	Up to 70-75	Up to 65	Up to 70-75	Up to 70-75
Maximum LTV Limit	75%	55%	55%	45%	25%	25%	35%	15%	15%
Maximum LTV Limit	20% (non-individuals)
Minimum Cash Downpayment	5%	10%	10%	25%	25%	25%	25%	25%	25%
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	55%
Stress Test Interest Rate	3.5%

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