The loan available for a home at Linktown Residences is the lower of two limits set by the Monetary Authority of Singapore: the Loan-to-Value ceiling, which caps the loan as a share of the price, and the Total Debt Servicing Ratio, which caps monthly debt repayments at 55 per cent of income. Figures below are as at September 2026.
For a buyer with no outstanding housing loan, the LTV limit is 75 per cent where the loan tenure is 30 years or less and ends by age 65, and 55 per cent where the tenure is longer or runs past 65. With one outstanding housing loan the limits fall to 45 and 25 per cent, and with two or more to 35 and 15 per cent. The minimum cash downpayment is 5 per cent at the 75 per cent tier, 10 per cent at the 55 per cent tier, and 25 per cent for buyers with an existing loan.
TDSR limits all monthly debt repayments, including the new mortgage, car loans, other loans and the minimum payments on credit cards, to 55 per cent of gross monthly income. Banks test the new mortgage at a medium-term interest rate of at least 4 per cent for residential property, whatever the rate actually offered, so the TDSR limit is usually tighter than the day-one instalment suggests.
Fixed income counts in full. Variable income such as bonuses and commission is counted after a haircut of at least 30 per cent. The maximum loan tenure for private residential property is 35 years.
For joint borrowers, the tenure is set by the income-weighted average age of the applicants and runs to age 65. Pairing a younger, higher-earning applicant with an older one therefore lengthens the tenure and increases the loan both income can support. Each applicant's existing debts count against the combined 55 per cent.
The TDSR calculator takes single or joint incomes, existing debts, the tenure and the number of outstanding housing loans, and shows the maximum loan under TDSR beside the LTV limit, so it is clear which one binds. The housing loan page sets out the rules as tables.
A bank's In-Principle Approval confirms the figure before booking. The Sales Concierge can arrange an introduction to a mortgage specialist ahead of the Linktown Residences preview, and the progressive payment calculator shows how the loan will be drawn during construction.
Consider a single applicant aged 35 with a fixed monthly income of $10,000 and no other debts, borrowing over 30 years. Under TDSR, up to $5,500 a month can go to debt repayments. At the 4 per cent assessment rate over 30 years, that supports a loan of roughly $1.15 million. At the 75 per cent LTV limit, a loan of that size corresponds to a purchase price of about $1.53 million, so for this applicant the TDSR limit and the LTV limit sit close together. The TDSR calculator shows the exact figures for any income.
Existing commitments reduce the room under TDSR dollar for dollar. A car loan of $1,000 a month, for example, cuts the monthly amount available for the mortgage by $1,000, and at the 4 per cent assessment rate over 30 years that reduces the supportable loan by roughly $209,000. Paying down or restructuring other debts before applying is often the simplest way to increase the loan available.
Choosing a tenure longer than 30 years lowers the monthly instalment but also lowers the LTV limit to 55 per cent for a first loan and raises the minimum cash downpayment to 10 per cent. For many buyers, a 30-year tenure keeps the higher LTV while still spreading repayments over a long period.
CPF Ordinary Account savings can fund part of the downpayment beyond the minimum cash portion, and can service monthly instalments once the loan is drawn, subject to CPF's withdrawal limits for private property. Using CPF does not change the loan limits under TDSR or LTV, but it changes how much cash a household needs to set aside. The progressive payment calculator separates the cash that must be paid from the amount CPF can cover, which helps when planning the funds for booking day.