Prevo

Policy evolution

Mortgage Servicing Ratio

  • Prevo records 2 structured Mortgage Servicing Ratio rule changes, effective from 10 December 2013 to 30 September 2022, in the available archive; earlier history may be incomplete.
  • The current recorded rule became effective on 30 September 2022.
  • No conflicting records between consecutive versions.

Partial archive: 2 structured Mortgage Servicing Ratio changes in the available records. Earlier or unrecorded changes may exist; this is not a complete history.

Create evolution brief

Current recorded rule, 2 October 2026

ParameterValueStatus
threshold, otp granted from 10 dec 2013, ec bought from developerUnavailableNot restatedLast recorded as 30% from 10 December 2013; not restated by the change effective 30 September 2022, so whether it was still in force is not recorded.
threshold30%In forceIn force from 30 September 2022, recorded on Singapore raises property-loan stress-test floors, cuts the HDB housing-loan LTV limit to 80%, and introduces a temporary 15-month HDB resale wait-out.

Rule versions

  1. Earlier

    Policy state unavailable before 10 December 2013: no structured Mortgage Servicing Ratio record precedes it.

  2. 10 December 2013
    Announced
    9 December 2013
    Effective
    10 December 2013
    Valid from
    10 December 2013
    Valid until
    Until 29 September 2022, the day before the next recorded change
    Authority
    Monetary Authority of Singapore, Ministry of National Development

    0 parameters changed, 1 newly recorded, 0 unchanged.

    Compare with previous
    • Added threshold, otp granted from 10 dec 2013, ec bought from developer: 30%
    • 0 unchanged, not listed.
    View full rule
    threshold, otp granted from 10 dec 2013, ec bought from developer
    30%

    Source

    Refining the Executive Condominium Housing Scheme

    Ministry of National Development · Primary source · Published 9 December 2013

    Open original source

    Event checked against its primary sources on 27 September 2026. Each claim keeps its own verification status.

  3. 30 September 2022Current recorded rule
    Announced
    29 September 2022
    Effective
    30 September 2022
    Valid from
    30 September 2022
    Valid until
    Until superseded: no later recorded change
    Authority
    Monetary Authority of Singapore, Ministry of National Development, Housing & Development Board

    0 parameters changed, 1 newly recorded, 0 unchanged, 1 earlier not restated.

    Compare with previous
    • Added threshold: 30% (recorded as 30% before)
    • Not restated threshold, otp granted from 10 dec 2013, ec bought from developer: 30% before; this event does not restate it
    • 0 unchanged, not listed.
    View full rule
    threshold
    30%

    Recorded earlier and not restated here: threshold, otp granted from 10 dec 2013, ec bought from developer (30%).

    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.

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