Housing Loan Information

	First Loan			Second Loan			Third Loan
Loan Tenure	Up to 30 years		31 to 35 years	Up to 30 years		31 to 35 years	Up to 30 years		31 to 35 years
Age	Age used to calculate loan tenure, will be based on income-weighted
Age	Up to 65	Up to 70-75	Up to 70-75	Up to 65	Up to 70-75	Up to 70-75	Up to 65	Up to 70-75	Up to 70-75
Maximum	75%	55%	55%	45%	25%	25%	35%	15%	15%
Maximum	20% (non-individual)
Minimum Cash Downpayment	5%	10%	10%	25%	25%	25%	25%	25%	25%
Guarantors/Borrowers	All co-borrowers must be mortgagors. Guarantors must be co-borrowers if the latter did not pass the TDSR criteria
Mortgage Servicing Ratio	N/A
Total Debt Servicing Ratio	60%
Stress Test Interest Rate	3.5%