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Hi King,

https://www.propertyguru.com.sg/property-guides/singapore-loan-to-value-ratio-guide-12845

Hope the above link helps!

I have been in the real estate business since 2009, with more than 14 years of experience serving the Singapore real estate market.

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

Over the years, I have also established a network reaching out to more than 9,400 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my client's portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

With an evolving market, where change is the only constant, I have also been investing in upgrading of my knowledge and skills sets to improve myself and meet the demands of current and future market.

We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

Warmest regards,
Geryl Lim
Senior Division Associate Director
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
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 +65 92787772 
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My self introductory video on https://www.youtube.com/watch?v=S_2NydENfx0

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Hi,

Yes it will be pro-rated as well, and will be less than 75% max loan, and more cash and CPF OA will be needed to cover the difference for the amount you can't borrow. I am contactable at 97432395  for further discussion.

Hope the above clarifies. May I have more info and requirements about your plans so as to make better recommendations? Thanks and look forward to value-add to your housing plans.

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
ERA Diamond Achiever

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Good morning,

Most likely you wont be eligible to take up max loan tenure up to retirement age of 65.

Recently i had a buyer aged 37 years old buying a property with balance lease of 44 years. Instead of 28 years loan tenure, most banks only offer max 75% loan with 14 years loan tenure. Only 1 can offer 24 years loan tenure.

Perhaps you can share more with me so I will be in a better position to advise and assist you further.

Hope my sharing aids in your property needs. Do contact me if you need any assistance.

Best regards,

YT Tan
Property Kaki
You dream. I create. We make it happen!

Association of Chartered Certified Accountants Graduate
Singapore Accredited Mortgage Planner

Contact:
Mobile: 9111 51 71 (wa.me/6591115171)
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To find out what’s the estimated valuation of your existing house, try our SRX property tracker.

You will receive free sms update on a monthly basis.SRX property tracker: http://bit.ly/yt_proptrack Read More

Hi, appreciate your sharing. Able to check whether can you pledge or unpledge method to increase the loan.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More

Hi,

Yes, it will be pro-rated. This rule applies for both HDB and private properties.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans. Please get in touch with me for a more in-depth discussion.

Should you need require further assistance in matters relating to property, please contact me at my mobile +65 97 48 63 05. I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
+65 97 48 63 05
PropNex Realty Read More

My Answer with regards to your Question:

Yes, in Singapore, if you want to purchase a private property and your age plus the remaining lease of the property doesn't cover you until 95 years old, your bank's Loan-To-Value (LTV) ratio will likely be pro-rated. This means the maximum loan amount you can get from the bank will be a reduced percentage of the property's purchase price or valuation, whichever is lower.

Here's a breakdown of how it works:

LTV Limit for Properties Reaching 95 Years: Banks typically offer a maximum LTV of 75% for private properties where the combined age of the borrower(s) and the remaining lease tenure can reach at least 95 years old.

Pro-Rated LTV for Shorter Leases: If the property's lease tenure, combined with your age, falls short of reaching 95 years, the bank will likely pro-rate the LTV limit. This means the maximum loan amount will be a lower percentage compared to the standard 75%.

Example:

You are 30 years old, and you're interested in a private property with a remaining lease of 60 years.

Since 30 + 60 = 90 (which falls short of 95), the bank might offer a pro-rated LTV, let's say, 60% instead of the standard 75%.

Important Considerations:

Loan Affordability: A lower LTV translates to a larger downpayment requirement. Carefully assess your financial situation to ensure you can comfortably afford the downpayment and future loan repayments.

Alternatives: Consider exploring properties with longer remaining leases to potentially qualify for a higher LTV and a smaller downpayment.

Allow me Assist Further Read More