This The Arcady at Boon Keng TDSR calculator estimates the largest housing loan an applicant’s income can support under the Monetary Authority of Singapore’s Total Debt Servicing Ratio, then sets it against the loan-to-value limit so the binding figure is clear. The Arcady is private residential property, so the private-property rules apply; the housing loan page explains them in full.
Main Applicant
MAS applies a 30% haircut.
Car, personal and other property loans.
Joint Applicant
MAS applies a 30% haircut.
Car, personal and other property loans.
Maximum 35 years for private property.
Rates below 4% are assessed at the 4% floor.
Sets the Loan-to-Value ceiling.
Indicative only. A tenure beyond 30 years, or a loan that runs past age 65 (income-weighted for joint applicants), lowers the LTV ceiling to 55%, 25% or 15% depending on the number of housing loans outstanding, and raises the minimum cash downpayment on a first housing loan from 5% to 10%. Where the LTV limit is 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. Do not include an existing home loan that will be discharged before this purchase.
How a Loan for The Arcady at Boon Keng Is Assessed
A bank starts from assessed income: fixed salary in full, and variable income such as bonuses or commissions averaged over the year after a 30% haircut. Up to 55% of that income may go on all monthly debt repayments, so card minimums, car loans and other property loans come off first. The balance is converted into a loan amount at the MAS medium-term rate — the higher of 4% or the loan’s own rate — over the tenure chosen, up to 35 years for private property.
Joint applicants are assessed on their income-weighted average age. A tenure beyond 30 years, or a loan that runs past age 65 on that age, moves the purchase into the lower loan-to-value band with a larger cash downpayment. The result is compared with the loan-to-value limit on the price, and the lower of the two sets the loan. Use the payment calculator and the duty calculator alongside this one, then arrange a viewing of The Arcady at Boon Keng with the figures to hand.
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.