What is the maximum loan tenure I can take from the bank at 33 years old

In Singapore, the loan tenure you can obtain from a bank depends on several factors, including the type of property and your age.

For HDB flats, the maximum loan tenure is 30 years. However, if you are taking a loan from HDB directly, the maximum tenure is 25 years.

For private properties, such as condos, apartments, or landed properties, the maximum loan tenure is 35 years.

Given your age of 33, you can potentially take a loan with a tenure that does not exceed the age of 65. Here’s a breakdown:

- For HDB flats: You can take a loan up to 30 years, but if you opt for the maximum Loan-To-Value (LTV) of 75%, the loan tenure should not exceed 25 years if you are borrowing from a bank.
- For private properties: You can take a loan up to 35 years, but again, the loan tenure plus your age should not exceed 65 years to maintain the maximum LTV of 75%.

For example, if you are 33 years old, you could take a loan of up to 32 years for private properties (33 + 32 = 65) to keep the LTV at 75%. For HDB flats, you could take a loan of up to 25 years to maintain the maximum LTV.

It's important to note that these rules are subject to the Monetary Authority of Singapore (MAS) regulations and the bank's approval. Your income and other financial factors will also be considered when determining the loan tenure and amount.