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What is FOIR and why it caps your home loan eligibility

FOIR — Fixed Obligation to Income Ratio — is the single number most lenders use to decide how much they'll lend you. Here's how it's calculated, where the limits sit, and what you can do if you're near the ceiling.

Under-construction vs ready-to-move: the honest math

The conventional wisdom is that UC properties offer a price advantage. In 2025–26 that advantage has compressed significantly. Here's how to run the actual numbers for your situation.