MAS Regulatory Framework
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%
Banks assess your borrowing capacity based on a medium-term stress test interest rate of 4.0% per annum.
Estimated Household Income Requirements
| Unit Layout | Est. Purchase Price | 75% Bank Loan (30 Yrs) | Est. Min Combined Household Income |
|---|---|---|---|
| 2-Bedroom Classic | S$1,700,000 | S$1,275,000 | ~$10,500 / month |
| 3-Bedroom Premium | S$2,350,000 | S$1,762,500 | ~$14,500 / month |
| 4-Bedroom Luxury | S$3,450,000 | S$2,587,500 | ~$21,200 / month |
| 5-Bedroom Penthouse | S$4,800,000 | S$3,600,000 | ~$29,500 / month |
Inquire About Bank In-Principle Approval (IPA)
We connect you with major bankers (DBS, OCBC, UOB, HSBC, Standard Chartered) for complimentary In-Principle Approval checks prior to launch.