Total-Debt-Servicing-Ratio

Total Loan Commitment Max. 60%

Total Loan Commitment Including: 

1. Other Housing Mortgage monthly repayment.  

 

2. Car loan monthly repayment. 

 

3. All Credit Cards & Personal Loan monthly minimum payment.

 

4. The new mortgage repayment 
(Based on 3.5% STRESS TEST interest rate for residential property; 4.5% for commercial property)
 

Total Income

1. Fixed Salary 100% with COMPUTERISED PAY SLIP. 

 

2. Variable income 70%. 
a) Rental income
b) Self-employed trade income

c) Bonuses. 

d) Director fee. 

 

Excluding: Dividend. 

 

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