What is the LTV for overseas property ownership?

In Singapore, the Loan-to-Value (LTV) limits for housing loans are determined based on the number of outstanding housing loans a borrower has.

- If you have no outstanding housing loans, the LTV limit is 75% or 55%, depending on the loan tenure and the borrower's age.
- If you have one outstanding housing loan, the LTV limit is 45% or 25%.
- If you have two or more outstanding housing loans, the LTV limit is 35% or 15%.

Additionally, if the loan tenure exceeds 30 years (or 25 years for HDB flats), or if the loan period extends beyond the borrower's age of 65, the lower LTV limit applies.

For example, if you already own an overseas property but this is your first property in Singapore, the LTV limit would be 75% or 55%, depending on the loan tenure and your age. However, owning an overseas property does not affect the LTV limits for your first property purchase in Singapore since only residential properties in Singapore are counted towards these limits.