When you add a property goal, GoalsMapper uses a default downpayment based on the country.

The default is a planning assumption. It is not a guaranteed loan amount.

The actual downpayment can be different because it depends on:

• the lender,
• the property type,
• the number of existing housing loans,
• the borrower's income and credit assessment, and
• any special housing or financing scheme.

If the client already knows the expected downpayment or approved loan amount, enter that amount instead of using the default.

Default downpayment by country

Some countries have additional rules. These are explained below.

Singapore

What default does GoalsMapper use?

GoalsMapper uses a 25% downpayment for a typical first housing loan.

This assumes financing of up to 75% of the property value.

For example:

• Property value: $500,000
• Estimated loan at 75%: $375,000
• Estimated downpayment: $125,000

For HDB loans, HDB currently allows a loan of up to 75% of the applicable flat value, subject to eligibility and other conditions.

For bank loans, the normal LTV limit for a borrower with no outstanding housing loan is also up to 75%.

What if the buyer already has a housing loan?

The maximum bank loan can be lower.

Lower LTV limits can apply for longer loan tenures or where the loan extends beyond the relevant borrower-age limit.

What should I enter in GoalsMapper?

Use the default if you are making an initial estimate.

Change it if the client:

• already has another housing loan,
• knows the expected downpayment, or
• has received an indicative or approved loan amount.

Malaysia

What default does GoalsMapper use?

GoalsMapper uses a 10% downpayment as a planning assumption for a typical first or second residential property.

This is equivalent to assuming financing of about 90%.

However, Bank Negara Malaysia does not set a standard 90% LTV for first and second homes. The actual financing level is determined by each bank's credit policy.

What about a third housing loan?

For the third housing-financing facility, Bank Negara Malaysia limits the LTV to 70%.

This means the buyer may need about 30% downpayment.

What should I enter in GoalsMapper?

Use:

• 10% as the default for the first or second housing financing,
• 30% as a planning estimate for the third housing financing onwards.

Change the amount if the client has an approved loan or is using a special housing scheme.

Thailand

What default does GoalsMapper use?

GoalsMapper uses a 10% downpayment as a planning assumption.

Thailand currently allows an LTV of up to 100% for certain residential loans under a temporary Bank of Thailand relaxation. The current relaxation runs from 1 July 2026 to 30 June 2027.

This does not mean that every buyer will receive 100% financing.

The actual loan still depends on the lender's assessment of the borrower and the property.

Why does GoalsMapper still use 10%?

GoalsMapper is used for financial planning, sometimes many years before the property purchase.

A 0% default would assume that:

• 100% financing is still available at the purchase date, and
• the client qualifies for the maximum loan.

Because the current relaxation is temporary, GoalsMapper uses 10% as a more conservative planning assumption.

What should I enter in GoalsMapper?

Use 10% for an initial estimate.

Change it if the client already knows the expected downpayment or approved financing amount.

Indonesia

What default does GoalsMapper use?

GoalsMapper uses a 10% downpayment as a planning assumption.

Bank Indonesia currently allows qualifying banks to provide residential-property financing with an LTV of up to 100%. The current policy runs through 31 December 2026.

However, the maximum LTV available can depend on the bank's NPL/NPF position, property type and whether it is the borrower's first or subsequent facility.

Why does GoalsMapper use 10% instead of 0%?

The regulatory maximum is not a guarantee that the client will receive 100% financing.

A financial plan can also have a property purchase date after the current policy period.

GoalsMapper therefore uses 10% as a general planning assumption.

What should I enter in GoalsMapper?

Use 10% if the actual financing is not yet known.

Change it if the client has received an indicative or approved loan amount.

Philippines

What default does GoalsMapper use?

GoalsMapper uses a 20% downpayment for a typical residential property.

This assumes financing of up to 80% of the property value.

For example:

• Property value: PHP 5,000,000
• Estimated loan at 80%: PHP 4,000,000
• Estimated downpayment: PHP 1,000,000

Major banks such as BDO currently offer home loans of up to 80% of the appraised property value.

Can the required downpayment be different?

Yes.

The actual financing can depend on:

• property type,
• bank policy,
• developer arrangements, and
• government housing schemes.

Some programmes can provide higher financing than the standard 80% assumption.

What should I enter in GoalsMapper?

Use 20% for an initial estimate.

Change it if the client already knows the expected downpayment or approved loan amount.

Why does GoalsMapper use planning defaults?

The maximum loan allowed by a regulator is not always the same as the amount that a lender will approve.

For example:

• Thailand currently permits 100% LTV in several cases, but the relaxation is temporary.
• Indonesia currently permits up to 100% LTV for qualifying banks, but actual financing can still vary.
• Malaysia's first and second housing loans are based on individual banks' credit policies, while the third facility is capped at 70% LTV.

GoalsMapper therefore uses a reasonable default for planning instead of assuming that every client receives the maximum possible loan.

Can I change the downpayment?

Yes.

The default is only a starting point.

You should change it when the client has better information, such as:

• an agreed property purchase price,
• an approved loan amount,
• an indicative loan-to-value ratio,
• a required cash downpayment, or
• financing under a specific housing scheme.

For planning purposes, the client's known figures should take priority over the GoalsMapper default.