Age and loan tenure

Find the longest loan tenure before the financing limit drops, and the age at which the loan would end.

Longest tenure at the full limit—

The longest loan before the limit drops by 20 percentage points.

Age used—

Age when that loan ends—

Longest tenure allowed—

Rule applied—

How this estimate works

Bank loans: the financing limit falls by 20 percentage points if the income-weighted age plus tenure exceeds 65 years, or the tenure exceeds 30 years for private homes and ECs or 25 years for HDB flats. Maximum tenure is 35 and 30 years respectively. Joint age is weighted by gross income before haircuts.

HDB loans: the term is the lowest of 25 years, 65 minus the buyers’ average age, and the remaining lease minus 20 years, rounded down to whole months. Banks and HDB confirm the exact figures.

Official references: MoneySense LTV and minimum cash, MAS, HDB housing loan. Rules checked 3 November 2026.

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