For Property Investing, the Seedly team worked closely with Property Guru, who is an expert in the field, to curate unbiased, non-sponsored content to add value back to our readers.
Disclaimer: This is not a sponsored post. Opinions expressed in the article should not be taken as investment advice. Please do your own due diligence.
If you have any questions, feel free to discuss them with Seedly Community .
What is the TDSR?
The Total Debt Servicing Ratio (TDSR) is a framework to ensure that people borrow, and banks lend, responsibly.
In a nutshell, the TDSR limits the amount borrowers can spend on debt repayments to 60 per cent of their gross monthly income.
Unlike other cooling measures, which are expected to be temporary, the TDSR is a permanent structural reform that all banks and financial institutions must follow when assessing:
housing loans the refinancing of housing loans loans secured by the property. Why