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Unsecured loans (e.g. business loans, renovation loans, medical loans, education loans) that were previously exempted from unsecured credit rules will be subject to all the rules, except:
(a) the minimum income eligibility criteria;
(b) the regulatory credit limits applicable for each FI;
(c) the borrowing limit; and
(d) the 60 days past due rule
Education, business, medical and renovation loans were previously exempted from the unsecured credit rules.⁷
⁷ Please see paragraph 7(1) of MAS Notice 635 on “Unsecured Credit Facilities to Individuals” dated 29 November 2013 for the full list of unsecured loans which were previously exempted from the unsecured credit rules.
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