A housing loan for a home at The Arcady at Boon Keng is shaped by two sets of MAS rules: the loan-to-value (LTV) limit, which caps the loan as a share of the price, and the Total Debt Servicing Ratio (TDSR), which caps monthly debt repayments as a share of income. Both are set out below as at October 2026 for the freehold residence off Serangoon Road.
Loan-to-Value Limits at The Arcady at Boon Keng
The LTV limit depends on how many housing loans the borrower already has outstanding. Each row also carries a lower band, which applies when the loan tenure or the borrower’s age at the end of the loan passes a set threshold, and a minimum share of the price that must be paid in cash rather than from CPF savings.
| Outstanding housing loans | LTV (standard) | LTV (lower band) | Minimum cash downpayment |
|---|---|---|---|
| None | 75% | 55% | 5% (10% at 55% LTV) |
| One | 45% | 25% | 25% |
| Two or more | 35% | 15% | 25% |
Source: MAS, checked October 2026. Limits are subject to change; confirm with MAS and your bank before signing.
When the Lower LTV Band Applies at The Arcady at Boon Keng
The lower band has two separate triggers, and either one on its own is enough to move a loan into it:
- Tenure: the loan tenure is more than 30 years.
- Age: the loan runs past the borrower’s age 65. For joint borrowers, the age used is the income-weighted average age of the borrowers.
A sole borrower aged 30 who takes a 35-year loan finishes at 65, so the age trigger is not met, but the tenure is above 30 years and the lower band applies. A sole borrower aged 45 who takes a 25-year loan is within the 30-year tenure, but the loan runs to age 70, so the lower band applies on the age trigger instead. Keeping both inside the thresholds keeps the standard LTV available. The maximum tenure for private property such as The Arcady @ Boon Keng is 35 years.
TDSR and The Arcady at Boon Keng
The TDSR test compares all monthly debt repayments, including the new home loan, with gross monthly income. The new loan is tested at a medium-term interest rate rather than the rate actually offered, so the test leaves room for rates to move.
| TDSR cap | 55% of gross monthly income |
| Medium-term interest rate for the test | The higher of 4% or the loan’s own rate |
| Variable and rental income | Counted after a 30% haircut |
| Maximum loan tenure (private property) | 35 years |
| Joint borrowers | Income-weighted average age used for the tenure and age-65 test |
Source: MAS, checked October 2026. Limits are subject to change; confirm with MAS and your bank before signing.
Commissions, bonuses and rental income are counted at 70% of their value after the haircut, while fixed salary counts in full. The TDSR calculator applies the 55% cap, the 4% floor and the haircut together to show an indicative loan ceiling for a given income and existing debt.
In-Principle Approval for a Home at The Arcady at Boon Keng
Before committing to a purchase, many buyers obtain an in-principle approval (IPA) from a bank. An IPA is the bank’s indication of how much it is prepared to lend, based on the income, debts and age details submitted, and it is subject to the bank’s final approval and valuation. Having an IPA in hand gives a clear figure to plan the downpayment, the stamp duty and the cash portion of the early instalments around. Each bank sets its own terms and validity period for an IPA.
How The Arcady at Boon Keng Loan Is Disbursed
The loan for a home bought from the developer is not paid out in one sum. After the buyer’s own share has been paid, the bank pays each instalment as the matching construction stage falls due, following the payment scheme for The Arcady. The progressive payment calculator shows how the loan and own funds split across the stages, from the foundation to the Certificate of Statutory Completion.
Next Steps for The Arcady at Boon Keng
Unit sizes run from 527 sq ft to 2,583 sq ft across 16 types, set out on the floor plans page. The Sales Concierge sends the price list on request through the pricing page and arranges viewings by appointment through the contact page.
Register Your Interest in The Arcady at Boon Keng
The Sales Concierge sends the e-brochure, the full set of floor plans and the current price list to registered parties, and arranges a private viewing by appointment. There is no charge to register and no commitment attached.
What the Sales Concierge sends
- The The Arcady at Boon Keng e-brochure and the full project details.
- All sixteen floor plan types, from the 527 sq ft 1-bedroom with study to the 2,583 sq ft penthouse.
- The current price list and the unit chart by stack and floor.
- A private viewing appointment and the site plan with all 47 facilities.
Register Your Interest
No obligation. The Sales Concierge responds personally to every enquiry.
To talk it through instead, call +65 6200 6220 or send a WhatsApp message to the same number.