Financing determines your realistic budget for Dunearn Green long before the price list appears, so it pays to understand the three rules that size every Singapore housing loan: the loan-to-value (LTV) limit, the Total Debt Servicing Ratio (TDSR), and the interest-rate stress test banks must apply.
| Outstanding Housing Loans | Max LTV (Bank Loan) | Min. Cash Downpayment |
|---|---|---|
| None (first loan) | 75% or 55% | 5% at 75% LTV; 10% at 55% LTV |
| One existing loan | 45% or 25% | 25% |
| Two or more existing loans | 35% or 15% | 25% |
The lower figure in each row applies where the loan tenure exceeds 30 years, or where the loan period runs past the borrower’s age of 65. Stretching a loan to 35 years lowers the monthly instalment, but on a first housing loan it drops the ceiling from 75 to 55 per cent and raises the minimum cash downpayment from 5 to 10 per cent of the price. Per MAS, verified 18 September 2026.
On a first loan, the balance of the 25% downpayment beyond the 5% cash minimum may be paid with cash and/or CPF OA. Lower LTV caps apply if the loan tenure exceeds 30 years or extends past age 65. Per MAS rules, current as of October 2026.
| TDSR cap | 55% of gross monthly income, across ALL monthly debt obligations |
| Stress-test floor | 4% p.a. assessment rate for residential loans, regardless of package rate |
| Maximum tenure | 35 years for private residential (LTV drops above 30 years or past age 65) |
| Variable income | Bonuses, commissions and rental income are typically haircut by 30% |
For your own numbers, the Dunearn Green TDSR calculator applies the 55% cap, the 30% variable-income haircut and the 4% stress floor to your inputs and returns your indicative maximum loan.
Get In-Principle Approval early. Obtain IPA from one or two banks before the preview — booking day moves fast and an IPA locks your quantum. Sequence any sale. Discharging an existing loan before exercising restores the 75% LTV tier. Map it against the PPS. Under the progressive payment schedule, disbursement is staged, so early instalments are modest. Pair with the stamp duty guide for the full cost stack, or request an In-Principle Approval introduction via the contact page.