‘Good debt’ may exist in theory, but it’s a different matter in reality

16 May 2025

Daphne Lye, Financial Planning Lead at MoneyOwl, shared that total debt servicing ratio should ideally stay below 35% of take-home pay, and non-housing loan repayments under 15%.

While housing loans may be “good debt” due to low interest rates and asset appreciation, she cautioned against sacrificing liquidity.

For those facing overwhelming unsecured debt, she recommended debt consolidation as a practical step.

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