Thomson Reserve Housing Loan & Financing Guide
Essential bank financing parameters, MAS LTV rules (75%), and TDSR income requirements for purchasing Thomson Reserve.
Max LTV Ratio: 75%
For buyers without existing housing loans, the maximum bank loan ceiling is 75% of purchase price (25% downpayment with 5% cash).
Max TDSR Limit: 55%
Total monthly debt obligations (including new mortgage) cannot exceed 55% of gross monthly income under MAS rules.
Stress Test Rate: 4.0% • BUC Package: 1.5%
Banks assess your borrowing capacity at a medium-term stress test rate of 4.0% per annum. Your actual instalments are estimated at the assumed 1.5% p.a. building-under-construction (BUC) package rate.
Estimated Household Income Requirements
| Unit Layout | Price From (2 Nov 2026) | 75% Bank Loan (30 Yrs) | Est. Instalment @ 1.5% BUC |
|---|---|---|---|
| 2-Bedroom (592 sqft) | S$1,635,000 | S$1,226,250 | ~S$4,230 / month |
| 2-Bedroom Premium (678 sqft) | S$1,873,000 | S$1,404,750 | ~S$4,850 / month |
| 5-Bedroom Suite (Private Lift) (1,808 sqft) | S$5,079,000 | S$3,809,250 | ~S$13,150 / month |
Lowest available price per bedroom type (2 November 2026). Instalment assumes a 75% loan over 30 years at 1.5% p.a. (BUC package), excluding stamp duties and fees. Loan eligibility depends on your income, existing commitments and the bank's TDSR assessment; speak to a mortgage banker for a personalised check.
Speak to a Mortgage Banker Today
Find out more about your loan eligibility. We connect you with bankers from DBS, OCBC, UOB, HSBC and Standard Chartered for a complimentary In-Principle Approval (IPA) check before you book a unit.