Strategise yourself in TDSR framework

Following the latest measure to set best practices among banks in Singapore, many property observers have adjusted their outlook for the property market in view of TDSR framework.

To recap, the main highlights of the Total Debt Servicing Ratio (TDSR) framework are:

1) All Guarantors have to be mortgagor.

2) In the case of joint application, loan tenure is derived from the subjection of income weighted average age from the age at the end of loan tenure.

3) HDB Mortgage Servicing Ratio (MSR) still applies at 30 percent.

4) Liability calculation for home loan instalment is at 3.5 percent.


There are many career options in life and become a real estate agent is one of those. You may have heard of those million dollar realtors but it is important to understand that they are the exception not the norm – although you can earn a great salary when starting out. The money is not the only benefit. There are plenty of benefits to becoming a realtor in Singapore but there are downsides to consider at the same time.