Everything You Need to Know About Home Loans
Explore the essential mortgage information for Narra Residences buyers, including loan types, interest structures, and eligibility rules for bank financing.
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Precision
Residental Home Loan Regulations
| Category | Up to 30 years (Individuals) | 31–35 years (Individuals) | Up to 30 years (Non-individuals) | 31–35 years (Non-individuals) | Up to 30 years (Others) | 31–35 years (Others) |
|---|---|---|---|---|---|---|
| Loan Tenure | Up to 30 years | 31–35 years | Up to 30 years | 31–35 years | Up to 30 years | 31–35 years |
| Age | Up to 65 | Up to 70–75 | Up to 65 | Up to 70–75 | Up to 65 | Up to 70–75 |
| Maximum LTV Limit | 75% | 55% | 45% | 25% | 35% | 15% |
| Minimum Cash Downpayment | 5% | 10% | 25% | 25% | 25% | 25% |
| Guarantors / Co-borrowers | All Co-borrowers must be mortgagors | Guarantors must be co-borrowers if the latter did not pass the TDSR criteria | All Co-borrowers must be mortgagors | Guarantors must be co-borrowers if the latter did not pass the TDSR criteria | 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 | N/A | N/A | N/A | N/A | N/A |
| Total Debt Servicing Ratio | 55% | 55% | 55% | 55% | 55% | 55% |
| Stress Test Interest Rate | 4% | 4% | 4% | 4% | 4% | 4% |
Connect
Speak to Our Narra Residences Team for a Personalised Home Loan Assessment
Get accurate loan calculations, affordability checks, bank recommendations, and a clear financial plan for your Narra purchase — all with direct developer-appointed support.
- Priority invitation to the VVIP preview and showflat opening
- Direct developer price list and early-release units
- Access to the latest floor plans, site plan, elevation chart and e-brochure
- Updates on balance units, promotions and important launch dates
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