Prevo

Policy evolution

Loan-to-value limit, HDB loans

  • Prevo records 2 structured Loan-to-value limit, HDB loans rule changes, effective from 16 December 2021 to 30 September 2022, in the available archive; earlier history may be incomplete.
  • No recorded version is in force on 2 October 2026: Singapore lowers the HDB housing-loan LTV limit from 80% to 75% changed Loan-to-value limit, HDB loans from 20 August 2024 without structured parameters.
  • The rule before 16 December 2021 is recorded as that change's "before" values, without a start date.
  • 6 further archive events are tagged with this mechanism but carry no structured Loan-to-value limit, HDB loans parameters (2010, 2010, 2011, 2012, 2013, 2013).
  • No conflicting records between consecutive versions.

Partial archive: 2 structured Loan-to-value limit, HDB loans changes in the available records, and 7 further tagged events without structured parameters. Earlier or unrecorded changes may exist; this is not a complete history.

Create evolution brief

Current recorded rule, 2 October 2026

Historical policy state unavailable

ParameterValueStatus
max ltv hdb granted loansUnavailableNot restatedLast recorded as 80% from 30 September 2022; changed from 20 August 2024 by Singapore lowers the HDB housing-loan LTV limit from 80% to 75%, which records the change without structured parameters for Loan-to-value limit, HDB loans, so the rule in force after that date is not held here.

Rule versions

  1. Before

    Earliest recorded state

    The rule before 16 December 2021

    Valid from
    Start date not recorded
    Valid until
    Until 15 December 2021
    Authority
    Monetary Authority of Singapore, Ministry of National Development, Ministry of Finance

    Recorded as the "before" values of Singapore raises ABSD, tightens TDSR to 55% and lowers HDB loan LTV to 85%.

    View full rule
    max ltv hdb granted loans
    90%

    Source

    MOF/MND/MAS joint press release: Measures to Cool the Property Market

    Ministry of Finance · Primary source · Published 15 December 2021

    Open original source

    Event checked against its primary sources on 13 August 2026. Each claim keeps its own verification status.

    1 recorded correction to this event's records (verification change). Record corrections, not policy changes.

  2. 16 December 2021
    Announced
    15 December 2021
    Effective
    16 December 2021
    Valid from
    16 December 2021
    Valid until
    Until 29 September 2022, the day before the next recorded change
    Authority
    Monetary Authority of Singapore, Ministry of National Development, Ministry of Finance

    1 parameter changed, 0 newly recorded, 0 unchanged.

    ParameterPreviousNew
    max ltv hdb granted loans90%85%
    Compare with previous
    • Changed max ltv hdb granted loans: 90% to 85%
    • 0 unchanged, not listed.
    View full rule
    max ltv hdb granted loans
    85%

    Source

    MOF/MND/MAS joint press release: Measures to Cool the Property Market

    Ministry of Finance · Primary source · Published 15 December 2021

    Open original source

    Event checked against its primary sources on 13 August 2026. Each claim keeps its own verification status.

    1 recorded correction to this event's records (verification change). Record corrections, not policy changes.

  3. 30 September 2022
    Announced
    29 September 2022
    Effective
    30 September 2022
    Valid from
    30 September 2022
    Valid until
    Until 19 August 2024, the day before a later change recorded without structured parameters (Singapore lowers the HDB housing-loan LTV limit from 80% to 75%)
    Authority
    Monetary Authority of Singapore, Ministry of National Development, Housing & Development Board

    1 parameter changed, 0 newly recorded, 0 unchanged.

    ParameterPreviousNew
    max ltv hdb granted loans85%80%
    Compare with previous
    • Changed max ltv hdb granted loans: 85% to 80%
    • 0 unchanged, not listed.
    View full rule
    max ltv hdb granted loans
    80%

    Source

    Joint MAS/MND/HDB media release: Measures to Promote Sustainable Conditions in the Property Market by Ensuring Prudent Borrowing and Moderating Demand

    Ministry of National Development · Primary source · Published 29 September 2022

    Open original source

    Event checked against its primary sources on 13 August 2026. Each claim keeps its own verification status.

    6 recorded corrections to this event's records (correction). Record corrections, not policy changes.

    Inside this period, without structured parameters: Singapore lowers the HDB housing-loan LTV limit from 80% to 75% (20 August 2024). This version may not describe every rule in force.

  4. 20 August 2024

    Policy state from 20 August 2024 is not held as structured Loan-to-value limit, HDB loans parameters: Singapore lowers the HDB housing-loan LTV limit from 80% to 75% changed it on that date and records the change in its claims.

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