Artist’s impressionThis calculator estimates the maximum housing loan an income can support for a purchase at Linktown Residences, under the Monetary Authority of Singapore's Total Debt Servicing Ratio framework, and sets it beside the Loan-to-Value ceiling so the binding limit is clear. The rules are summarised on the housing loan page.
Main Applicant
MAS applies a minimum 30% haircut.
Joint Applicant
MAS applies a minimum 30% haircut.
Maximum 35 years. Over 30 years, or a loan that ends after age 65, lowers the LTV ceiling.
The MAS floor is 4%; a lower rate is assessed at 4%.
Sets the Loan-to-Value ceiling.
Indicative only. The LTV ceiling steps down to 55%, 25% or 15% (by housing loans outstanding), and the minimum cash downpayment goes up, once the tenure passes 30 years or the loan would end after age 65 — for two borrowers, on their income-weighted average age. Where the LTV limit falls below the TDSR limit, the property loan is the binding constraint. Banks apply their own credit policies — confirm with a bank, or ask the Sales Concierge to arrange an In-Principle Approval. Rates per MAS, as at October 2026.
How the Linktown Residences Loan Estimate Is Built
Assessed income is fixed income in full plus variable income such as bonuses and commission, averaged monthly after a haircut of at least 30 per cent. Up to 55 per cent of it may go to monthly debt repayments, and the room left after existing commitments is converted into a loan at the assessment rate over the permitted tenure.
For joint borrowers, the age-65 test runs on the income-weighted average age; a loan ending after 65 on that age, like a tenure over 30 years, takes the lower loan-to-value band. The result is capped by the Loan-to-Value limit, and the lower of the two binds. Pair it with the stamp duty calculator and the progressive payment calculator, then arrange a preview.
Register for Linktown Residences Updates
Registration places the Linktown Residences material in your hands on the day the developer issues it, and it is the list the Sales Concierge works through first when preview appointments open.
Free, and with no obligation. Every enquiry is answered personally.
What registering sends you
- The Linktown Residences e-brochure and the full unit mix on release.
- The floor plan set with areas by type, and the site plan.
- Indicative pricing on the pricing page, and the balance units chart as sales commence.
- A preview appointment slot ahead of public release.
Linktown Residences: Nearby at a Glance
Approximate straight-line distances from the land parcel. Walking routes follow the final site plan.
Register Your Interest
Prefer to speak to someone? Call +65 6200 6220, or message the same number on WhatsApp.