Applicants considered under this Sector should be:

1. Applicants with property or land considered by the Bank to be in a prime location.
2. Tongan Nationals who hold a legal ownership of the project land.
3. Tongan Nationals, Residents or anyone with leasehold land or property with remaining lease terms of at least 20 years.
4. Applicants with good creditworthiness.
5. One of the borrowers must be the title holder of the project land or property.
6. Existing good clients of the Bank and collateral coverage should be at least 1.0 Times Bank Security Value (BSV).
7. Applicants where there existing housing loan is being taken over from another bank in order to lengthen the overall security position of TDB and to ensure repayment capacity through SD deduction. In this instance the term must be restricted up to 12 years.
8. Ability to repay must be assured from salary assignment. However long established clients of the Bank with excellent repayment records can be considered in the event where SD may not be possible. Other source of income is assured over the term of the loan.
9. Location - situated in a prime location within the main town area and suburbs. Other outlying areas may be considered on a case-by-case basis