#3
DBS First-Time Buyer Program
DBS First-Time Buyer Program matches the top 80% LTV but stands out by accepting an employment letter without the 2-year payslip history demanded by Hang Seng First-Time Buyer. Targeting young professionals, it cuts required documentation by 40% compared to standard bank policies. According to its April 2026 verification, DBS has a 95% approval rate for applicants under 30, making it the most accessible program for first-time buyers with limited work experience.
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