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Beneath the revised guidelines, a borrower who purchased a residential property before the TDSR rules were launched – i.e. the Option to Purchase (OTP) of the residential property was granted earlier than 29 June 2013 – can be exempted from the TDSR threshold so long as he occupies the residential property that's being refinanced. 1 This is a concession in comparison with the current guidelines, which additionally require that he does not own any other property, or have every other outstanding property loan.
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