Singapore MAS Tharman Shanmugaratnam: 63% of Private Properties Have Outstanding Loans in Q2 2022, 44.3% Loan Ratio to Valuation, 75% for Owner Stay & 25% for Investments

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Singapore MAS Tharman Shanmugaratnam: 63% of Private Properties Have Outstanding Loans in Q2 2022, 44.3% Loan Ratio to Valuation, 75% for Owner Stay & 25% for Investments

27th October 2022 | Singapore

Singapore central bank Monetary Authority of Singapore (MAS) Tharman Shanmugaratnam (Senior Minister & Minister in charge of MAS) reply to questions on percentage of private residential properties with outstanding mortgage loans, with 63% of Private Residential Properties having outstanding loans in Q2 2022 (37% without), average of 44.3% Loan-to-Value (LTV, Eg. $443,000 loan to $1 million valuation), and 75% of the residential properties with loans are for owner stay (occupied) & 25% of the residential properties with loans are for investments.  MAS Tharman Shanmugaratnam:  “Based on latest available data, about 63% of owners of private residential properties had outstanding mortgage loans as of Q2 2022.  The average Loan-to-Value (LTV) ratio of outstanding mortgage loans on private residential properties extended by financial institutions was at 44.3% as of Q2 2022.  As of Aug 2022, approximately 75% of outstanding mortgage loans on private residential properties were for the financing of owner-occupied properties and the remaining 25% were for investment properties.”

“ 63% of Private Properties Have Outstanding Loans in Q2 2022, 44.3% Loan Ratio to Valuation, 75% for Owner Stay & 25% for Investments “

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MAS Tharman Shanmugaratnam on Private Residential Properties with Outstanding Mortgage Loans

Reply to Parliamentary Question on on Private Residential Properties with Outstanding Mortgage Loans

Date: For Parliament Sitting on 20 October 2022

Mr Chua Kheng Wee Louis, MP, Sengkang GRC

To ask the Prime Minister of the current stock of private residential properties (a) what is the percentage of properties that have an outstanding mortgage loan; (b) what is the average Loan-To-Value ratio of such mortgage loans; and (c) what is the percentage of such mortgage loans that are used to finance (i) owner-occupied properties and (ii) investment properties respectively.

Answer by Mr Tharman Shanmugaratnam, Senior Minister and Minister in charge of MAS:

1. Based on latest available data, about 63% of owners of private residential properties had outstanding mortgage loans as of Q2 2022.

2. The average Loan-to-Value (LTV) ratio of outstanding mortgage loans on private residential properties extended by financial institutions was at 44.3% as of Q2 2022.

3. As of Aug 2022, approximately 75% of outstanding mortgage loans on private residential properties were for the financing of owner-occupied properties and the remaining 25% were for investment properties.

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