Jon.B Properties - Singapore

06/10/2025

29/08/2025

When it comes to property loans, one important factor often overlooked is age.

In Singapore, a 75% LTV home loans are typically structured with a maximum tenure capped at age 65.

This means that even if two buyers earn the same salary, the younger one may qualify for a larger loan compared to an older buyer.

For example, a 35-year-old can stretch the loan over 30 years, but a 50-year-old has only 15 years left until 65—resulting in much higher monthly repayments for the same loan amount or only qualifying for a smaller loan quantum.

In short: the older you get, the harder it is to take on the same loan size with the same income.

That’s why understanding loan tenure early is key to planning your property journey wisely.

27/12/2024

https://wa.me/6596862340