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What is Total Debt Servicing Ratio(TDSR) framework in Singapore?

What is Total Debt Servicing Ratio(TDSR) framework in Singapore? TDSR is a structural framework for all property loans from Singapore banks and approved financial institutions. The key points are as follow: 1) total debt servicing ratio including both property and non-property loans cannot exceed 60% of borrower's monthly income 2) a specified medium-term interest rate or the prevailing market interest rate, whichever is higher, used for calculation of bank loan. 3) apply a haircut of at least 30% to all variable income and rental income, including bonus, commission, etc. 4) apply haircuts to and amortise the value of any eligible financial assets such as savings when assess borrower's debt servicing ability. 5) borrowers named on a property loan to be the mortgagors of the residential property for which the loan is taken 6)guarantors whom stand guarantee for borrowers become co-borrowers if borrowers fail to meet the TDSR threshold for a property loan 7)use the income-weighted average age of borrowers when applying the rules on loan tenure in the case of joint-borrowers For more detail information about property development and real estate market in Singapore, please visit http://www.emmettli.com and http://www.haoproperty.com.