How does falling HDB COV impact your loan and Mortgage Servicing Ratio (MSR)?

Posted by Sean Lim on August 30, 2017

You by now would have heard of the falling dagger in the HDB market. By that, I am referring to the falling cash over valuation premium for resale flats. What does this mean for buyers? How does the HDB COV impact your loan and MSR?

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Topics: TDSR, MSR

Refinancing home loan on many a to-do list

Posted by Sean Lim on August 22, 2017

FindAHomeLoan Director, Sean Lim shared his views with The Sunday Times on refinancing. Find out which mortgage rates are more popular with our customers.

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Topics: TDSR, refinance, sibor

Impact of TDSR felt more by Singaporeans than foreigners

Posted by Sean Lim on May 19, 2017


It has been 3 months since the announcement of the Total Debt Servicing Ratio (TDSR) framework on property financing in Singapore. The TDSR impact seemed to be larger on Singaporeans than foreign purchasers, based on the bigger drop of Singaporean buyers.
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Topics: TDSR

Loan to value ratio by banks in Singapore

Posted by Sean Lim on February 10, 2017

Loan to value (LTV) ratio or limit is the loan amount that Singapore mortgage banks and lenders will offer you based on your property value. Mortgage LTV is impacted after the various cooling measures introduced by Singapore government. *Updated August 2013*

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Topics: TDSR

How does the TDSR Debt Servicing Ratio affect self employed?

Posted by Sean Lim on February 8, 2017

If you are a self-employed, you would be wondering how does the Total Debt Servicing Ratio (TDSR) framework introduced by Monetary Authority of Singpore affects. Before purchasing the property, learn the guidelines and the steps to find the right mortgage loan.

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Topics: TDSR

How does pledging of assets help you to obtain a property loan?

Posted by Sean Lim on February 3, 2017

Post the announcement by MAS on the TDSR framework, there were some confusion and dilemma faced by property buyers. If you intend on pledging of assets to obtain a property loan, please read on how it is being implemented. (Help yourself by using our free Singapore home loan calculator and compare rates from over twenty banks!)
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Topics: TDSR, home loan

Everything you need to know about MAS TDSR framework

Posted by Sean Lim on January 31, 2017

A summary on everything you should know about the new Total Debt Servicing Ratio (TDSR) framework by MAS. All financial instituitions in Singapore must adhere to the guidelines. Let's find out the subtle points of TDSR.

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Topics: TDSR

What you need to know about Singapore MAS Debt Servicing Framework

Posted by Sean Lim on January 31, 2017

Read our commentary in the Singapore Business Review on what property buyers and owners must know about the MAS Debt Servicing framework introduced on June 28 2013. 

The Monetary Authority of Singapore (MAS) on June 28 2013 introduced a Total Debt Servicing Ratio (TDSR) framework for property loans applicable to all types of properties. The TDSR framework was a result of inspections on financial institutions' (FIs) practices around debt servicing ratios and credit underwriting. FIs are expected to adhere to the methodology for computing the TDSR.
 
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Topics: TDSR

Testimonials for FAHL

"I am most impressed by Sean's professionalism in assisting to put in place a mortgage plan that totally meets my investment objectives. His enthusiasm and passion for what he does is remarkable. I hope there will be more mortgage brokers like Sean and his colleagues in Singapore." - Ann Tay, Jan 2017"

"I would like to register my compliments for Maggie. I started enquiring about loans since June/July last year and Maggie has been diligent in following up with me and in addressing all my questions. I recently only settled the bank loan. Throughout this period of several months, Maggie has been patient, proactive and prompt.  It is a delight working with her." - Irene

"You have given good advice, Maggie. Your website is the easiest to follow to get list of documents. We prepared according to the website and it is easy for us to understand." - Shally Tan

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