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FIs to either:

(a) ask borrowers what their preferred credit limits are; or

(b) obtain borrowers’ consent for the amounts of the credit limits to be granted.

Will borrowers always be granted their preferred credit limits?

No. Credit limits are subject to the FIs’ internal credit assessments and the regulatory credit limits of not more than 4 months’ income for borrowers with annual incomes of at least S$30,000 but less than S$120,000, and not more than 2 months’ income for borrowers with annual incomes of less than S$30,000.

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