Source: MAS

 1st Housing Loan2nd Housing Loan3rd and Subsequent Housing Loan
Loan TenureUp to 30 Years31 to 35 YearsUp to 30 Years31 to 35 YearsUp to 30 Years31 to 35 Years
Loan Tenure + Age of Borrower≤ 65> 65 and ≤ 75*≤ 75*≤ 65> 65 and ≤ 75*≤ 75*≤ 65> 65 and ≤ 75*≤ 75*
Loan-to-Value Limit75%55%55%45%25%25%35%15%15%
Cash Downpayment5%10%10%25%25%25%25%25%25%
*Banks in Singapore typically cap the age at 75 years old where loan must be fully paid.