A home purchase often depends on one thing: will the bank approve the loan? On 4 November 2025, our team joined a DSR & CTOS Workshop at our Level 2-27 Operation Office, led by CK Lim.

📚 What we covered

1. How CTOS and CCRIS affect loan approval: what banks look for in a buyer’s credit report
2. DSR calculation and improvement tips: how the Debt Service Ratio is worked out, and practical ways buyers can improve it
3. Common credit pitfalls: the small mistakes that can hold back an approval, and how to avoid them

The session was open to all Apricitians, with our Aura and Bergaya core teams joining to sharpen their loan knowledge.

💡 Why it matters

When our team understands DSR and credit reports, we can spot issues early, set the right budget with buyers from day one, and help them prepare before they apply. That means fewer surprises and smoother purchases for our clients.

Want to know how much you can afford? Read our guide on the salary you need to buy a house. 🏠