http://forum.lowyat.net/ Wed, 01 Jul 2026 13:29:46 +0800 FeedCreator 1.7.2 http://forum.lowyat.net/topic/5180710 Hi everyone I&#39;m seeking for your thoughts on this situation.<br /><br />So basically I&#39;ve just bought a light industrial shop lot last year mainly for investment purpose as the rental income is good. However I&#39;m quite concerned of whether am I still eligible for the 90% Loan for 1st and 2nd property. This is because this shop lot is my first property and I am told the 90% loan is eligible for 1st and 2nd property only. However, the loan I took was only 80% as the banker told that I&#39;m too young to own a shop lot as my 1st property despite my DSR shows otherwise. The banker who handled my loan told me that I would be eligible for the 90% loan in the future if I were to purchase my 1st and 2nd house because the shop lot that I purchased is not for residential purpose. So I&#39;m not quite sure whether is it true and I&#39;m wondering if someone could help me to figure this issue out?<br />Can someone confirm on whether my quota for 90% loan has been used up for the 1st property or I am still be able to use it on house purchases in the future? leonchin Property Q&amp;A Tue, 10 Aug 2021 18:18:37 +0800