TDSR Explained: How Much Can You Borrow for a New Launch Condo?
What TDSR means, how banks calculate it step by step (income haircuts, debts, the 4% stress test) and how much it lets you borrow for a new launch condo such as LinkTown Residences.
What TDSR means, how banks calculate it step by step (income haircuts, debts, the 4% stress test) and how much it lets you borrow for a new launch condo such as LinkTown Residences.
How stamp duty on a tenancy agreement in Singapore works: the 0.4% lease duty rate, who pays, the 14-day deadline, e-Stamping, late penalties, renewals and worked examples.
What the SORA rate is, how 1-month and 3-month compounded SORA are calculated, how a SORA home loan is priced and reset, and what it means for a new launch condo loan.
How a renovation loan in Singapore works for a new condo: the 6× income or S$30,000 cap, tenure, payment to your contractor, TDSR, timing after key collection and a sensible budget.
When refinancing your home loan in Singapore pays off, how it differs from repricing, the MAS rules that apply, lock-in penalties and clawbacks, and how to time it around TOP for a new launch condo.
How property tax in Singapore works for condo owners: Annual Value, owner-occupier vs non-owner-occupier rates, renting out, new condos after TOP, December bills and how to use the IRAS calculator.
新加坡房产税=年值×税率。本文用华文说明自住与出租税率(截至2026年9月)、年值怎么定、谁能享自住税率、新公寓从TOP起征税、12月寄单1月31日截止,并附算例。
The mortgage servicing ratio (MSR) caps HDB and new EC loans at 30% of income; TDSR caps all debts at 55%. Private condo buyers face only TDSR. Here’s how the two limits work, with examples.
Moving from an HDB flat to a condo? The CPF Home Protection Scheme won’t follow you. Here is how mortgage insurance in Singapore works for private property, and what to check.
Work out your monthly instalment, maximum home loan and progressive payments for a new launch condo, with ready-made tables for LinkTown Residences-sized budgets and a free loan calculator.
A condo affordability calculator for Singapore buyers: your maximum home loan under TDSR and the 4% stress test, cash and CPF needed upfront, and which LinkTown Residences sizes fit.
Home loan rates in Singapore as of September 2026: latest 3M compounded SORA, indicative fixed and SORA package ranges, why the rate at TOP matters most for new launches, and what a 0.5% gap costs.
LinkTown ResidencesHougang Central, above Hougang MRT, by CapitaLand Development, UOL & Kheng Leong
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