So you’ve reset your SingPass, you’ve handed over three months of your payslip, you’ve filled in all the forms after an hour at the bank – the second time over. And now, as you open the letter, you see the familiar “we regret to inform you…” beginning. You’re about to end up in home loan limbo for the third time. Well you’re not alone. Along with people who can’t seem to get their HDB Loan Eligibility (HLE) letter, some home buyers have a much harder time than others. This guide is for them – and also for those of you who don’t want the wall-punching frustration of lining up at banks over your lunch hour, only to get denied applications. Here’s what you need to know to get your loan approved: Factors that determine if your home loan is approved Acceptable credit scoreLoan tenure and age limitsMortgage Servicing RatioTotal...