Exact match Anchors and singular/plural form - does it count as the same?

Hi,

pretty simple question. If my keyword is for example "loans" and I want to aim for 3% exact match anchor text from my links should i treat the singular form "loan" as the same exact match keyword or not? I mean should i split the 3% like 2% for "loans" and 1% for "loan" or is it treated as a separate keyword?

Thanks!

No. No it does not.

But they still seems to effect density of each other so do not stuff.

Both words are different, so will be treated differently.As both are close each will help the others. In situation like this it is very common and natural to have links for both singular and plural.

So how should I do it then? Lets stick to my example. My main keyword is "loans" but i want to rank for "loan" too. I will use "loans" 3% of the time in my anchor text. What about the singluar form?