Property Financing, Loans, TDSR and LTV
What you can borrow in Singapore is capped from two directions: a limit on your total debt servicing relative to income, and a limit on the loan relative to the property's value. These guides explain how those caps interact with your cash, your CPF and your existing loans to set a real purchase ceiling.
Who this is for: Buyers and upgraders working out what a bank will actually lend them.
Financing & Loans Guides
Every PropKaki guide on financing & loans, newest first.
Can Rental Income Be Used for Home Loan Assessment in Singapore?
Yes, rental income may support a home loan application in Singapore, but banks usually assess it conservatively. The biggest distinction is between actual rent already being received and future rent that is only expected, plus whether the borrower can prove the income clearly.
Can You Get a Property Loan If You Already Have a Mortgage in Singapore?
Having an existing mortgage does not automatically block a new property loan in Singapore. What matters is whether the borrower can still meet the bank's affordability checks after counting all existing debts.
Fixed vs Floating Home Loan Rates in Singapore: What to Know
Fixed vs floating home loan rates in Singapore: a practical guide to payment stability, flexibility, repricing, lock-in terms, and the package details that matter beyond the headline rate.
Home Loan Eligibility for Self-Employed Buyers in Singapore: Documents, Income Proof, and Common Pitfalls
Self-employed buyers can get home loans in Singapore, but banks usually assess them through tax records, bank statements, and business documents rather than payslips. The practical edge is knowing how to pre-check the income trail, prepare the right documents, and spot issues before you commit to a purchase.
Home Loan Lock-In Period in Singapore: Can You Refinance Early?
A home loan lock-in period is a contract term, not a general market rule. In Singapore, you can sometimes refinance before it ends, but the real question is whether the new loan savings can outweigh the penalty, clawbacks, legal fees, valuation fees, and other exit costs.
Maximum Home Loan Tenure in Singapore: Age Limits, Instalments and Borrowing Impact
What is the maximum home loan tenure in Singapore? This guide explains the usual 30-year and 35-year ceilings, why older borrowers may get shorter tenures, and how tenure affects monthly instalments, total interest and borrowing capacity.
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Financing & Loans — Frequently Asked
What does Financing & Loans cover?
What you can borrow in Singapore is capped from two directions: a limit on your total debt servicing relative to income, and a limit on the loan relative to the property's value. These guides explain how those caps interact with your cash, your CPF and your existing loans to set a real purchase ceiling.
Who are these Financing & Loans guides for?
Buyers and upgraders working out what a bank will actually lend them.
How many PropKaki guides cover Financing & Loans?
PropKaki publishes 17 guides on financing & loans, most recently updated 6 June 2026. Every guide is built on real URA, HDB and data.gov.sg data, with the working shown.
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