132 Sophia Road, Singapore · A Boutique District 9 Residence
+65 6200 6220
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sales@sophiameadows.com.sg
Financing
Financing a home at Sophia Meadow works within Singapore’s standard lending framework — the Loan-to-Value (LTV) limits that cap how much you can borrow, and the Total Debt Servicing Ratio (TDSR) that ensures repayments stay within reach. The tables below summarise both. To estimate the loan and price this supports, use the TDSR calculator.
| Loan | Max LTV (tenure ≤30yr & age ≤65) | Max LTV (tenure 31–35yr or age >65) | Min Cash Downpayment |
|---|---|---|---|
| 1st housing loan | 75% | 55% | 5% at 75% LTV; 10% at 55% LTV |
| 2nd housing loan | 45% | 25% | 25% |
| 3rd & subsequent | 35% | 15% | 25% |
Minimum cash rises with the lower band: a first housing loan taken over a tenure of more than 30 years, or running past age 65, carries a 55% ceiling and a 10% minimum cash downpayment rather than 5%. Per MAS, verified 18 September 2026.
Loan-to-Value (LTV) limits for bank loans. Current as at October 2026 — confirm with MAS / your bank.
| Rule | Limit |
|---|---|
| Total Debt Servicing Ratio (TDSR) cap | 55% of gross monthly income |
| Maximum loan tenure | 35 years |
| Stress-test interest rate floor (TDSR) | ~4.0% p.a. |
| Co-borrower / guarantor | Income-weighted average age applies |
TDSR and stress-test rules for reference only. Confirm current figures with MAS and your bank.
Your eligible loan amount depends on age, tenure, income and existing debts. Combine this with the progressive payment scheme and stamp duty to understand the total cash required up front. The appointed marketing team can connect buyers with a mortgage banker — get in touch.
Register Your Interest
No obligation, and every enquiry is answered by the appointed marketing team.