132 Sophia Road, Singapore · A Boutique District 9 Residence
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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.
| Loan | Max LTV (tenure ≤30yr & age ≤65) | Max LTV (tenure 31–35yr or age >65) | Min Cash Downpayment |
|---|---|---|---|
| 1st housing loan | 75% | 55% | 5% |
| 2nd housing loan | 45% | 25% | 25% |
| 3rd & subsequent | 35% | 15% | 25% |
Loan-to-Value (LTV) limits for bank loans. Current as at 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. Our team can connect you with a mortgage banker — get in touch.
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