Quick guide to what happens when mortgage servicing ratio is limited

It's internally capped at 40-50%.

According to CIMB, MAS can choose to limit the mortgage/debt servicing ratio for mortgages. Private property loans currently have no mortgage service ratio cap even though the banks do internally cap the MSR at 40-50%.

"Limiting the mortgage servicing ratio (% of mortgage payment to household income) or debt servicing ratio (% of total debt serviced to household income) would cap the ability of a single buyer to take up a mortgage, effectively closing the legal loophole that allows an individual to rely on a guarantor when applying for mortgage loans," CIMB said.

If you've been wondering whether SBR could work for your company — yes, probably.

A lot of the companies we partner with started as readers. They'd been following our coverage for a while, saw their own customers and competitors in it, and eventually asked the obvious question: could we do something with you? The answer is usually yes. The shape of it depends on what you're trying to do.

The options are broader than most people assume — thought leadership articles, sponsored content, industry summits across Southeast Asia, regional awards programmes, podcasts, and media placements in print and digital. Some partners use one channel; most use a mix. We figure out the right combination by starting with your brief, not with our rate card.

So if the question has been on your mind, here's the easy way to ask it.

We'll tell you honestly whether we can help, and how. It's a better use of everyone's time.

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