23 Nov '14, 7am

What is T.D.S.R and how does it affect you? Find out: #housing #sg

MAS's new debt servicing framework essentially stipulates the minimum standards of how financial institutions calculate the Total Debt Servicing Ratio (TDSR) and plugs loopholes that existed previously. Here's a summary of the key details. TDSR to be computed based on an interest rate of 3.5%. Previously, the rate that each financial institution used can be quite different. For example, Bank of China used their prevailing housing loan rate, which is below 1.5% for the longest time, while a couple of banks based their TDSR computation on interest rates of more than 4%. TDSR to be computed based on the income-weighted average age of the borrowers. Most banks used to take the average age of borrowers without factoring in any income difference between the borrowers. Others, like OCBC, simply compute the TDSR based on the younger borrower's age. A haircut of at least 30% to be ...

Full article: http://www.cpf.gov.sg/imsavvy/blog_post.asp?postid=917885...

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