The maximum loan-to-value Ratio (LTV ratio) for mortgages provided by banks depends on the property value. The actual approved loan-to-value ratio varies based on stress testing, property valuation, the borrower’s financial condition and the property type. LTV ratios differ between first-time and non-first-time homebuyers, as well as for private properties, village houses and public housing. Spacious consolidated a summary to …

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