Why the 60% Total Debt Servicing Ratio limit is 'fairly reasonable'

Not intended to cool property market.

According to OCBC, while the bar for upfront liquidity was already raised by previous measures targeting loan tenures and LTV ratios, they see these latest measures further constricting financing, over the mid-to-longer term, for buyers with existing property loans.

"That said, we see the current 60% TDSR (Total Debt Servicing Ratio) limit to be fairly reasonable and it is apparent that they are not intended to cool down the property market as much as to encourage financial prudence in the sector," OCBC said.

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