How Large a Home Loan Can You Take for Lentor Signature?

Published 14 October 2026 · Figures as at October 2026

Two Limits Decide a Lentor Signature Loan

The loan on a home at Lentor Signature is the smaller of two figures. The loan-to-value limit caps the loan as a share of the price, and the Total Debt Servicing Ratio caps total monthly debt repayments as a share of income. A bank works out both and lends the lower.

Both rules are set by MAS. The figures below are as at October 2026, and the TDSR calculator runs them for one or two borrowers.

The Loan-to-Value Limit at Lentor Signature

A borrower with no outstanding housing loan may borrow up to 75% of the price, with one outstanding loan 45%, and with two or more 35%. The minimum cash share is 5% for a first loan and 25% for the others.

Those limits fall to 55%, 25% and 15% if the tenure exceeds 30 years or the loan would run past the borrower’s 65th birthday, and the cash share on a first loan rises to 10%. Private property loans can run for up to 35 years.

The TDSR Test for Lentor Signature Buyers

Total monthly debt repayments, including the new loan, may not exceed 55% of gross monthly income. Fixed salary counts in full; bonuses, commissions and rental income count at 70%. Existing car loans, other property loans and minimum card payments are deducted first.

The new loan is tested at a medium-term interest rate of 4%, or the bank’s own rate if higher, over the chosen tenure. The test rate is deliberately above most current mortgage rates, so the borrower keeps room to absorb a rise.

A Worked Example for a Lentor Signature Couple

Take a couple aged 30 and 40, earning fixed salaries of $8,000 and $6,000 a month, with annual bonuses of $1,000 and $2,000 and existing debt repayments of $1,600 a month. Their assessed income is $14,175 a month, and their income-weighted average age is 34.3.

On a 30-year tenure at the 4% test rate, the TDSR supports a loan of about $1,297,874, and at a 75% loan-to-value ratio that corresponds to a purchase of about $1,730,499. The loan would end at an average age of 64.3, inside the age-65 rule. These are the figures the TDSR calculator returns for the same inputs.

Why Age Matters for a Lentor Signature Loan

The age-65 rule catches many buyers in their forties. A 45-year-old taking a 25-year loan stays within 30 years of tenure but finishes at 70, so the loan moves into the lower band: 55% instead of 75% for a first loan, with 10% in cash.

Joint buyers can use their income-weighted average age, which is why adding a younger co-borrower can change the result. A shorter tenure is the other lever, at the cost of a higher monthly repayment.

Cash, CPF and the Lentor Signature Downpayment

The share of the price not covered by the loan is paid from cash and, for Citizens and Permanent Residents, CPF Ordinary Account savings within CPF rules. On a 75% loan the buyer pays 25%, of which at least 5% must be cash; the booking fee already covers that 5%.

Stamp duty sits on top and is paid in cash or CPF within 14 days of the sale and purchase agreement. The payment scheme page shows when each part falls due.

Existing Property and a Lentor Signature Loan

Buyers who still have a housing loan on another property face two changes at once. The loan-to-value limit drops to 45% for a second housing loan, so the cash and CPF share rises to 55%, with at least 25% in cash; and the existing mortgage repayment counts against the 55% TDSR.

Selling the first home before buying, or redeeming its loan, restores the 75% limit. The sequence is worth planning with the bank well before the preview.

Variable Income and the Lentor Signature Assessment

Commission earners, the self-employed and buyers with rental income are assessed differently from salaried employees. Banks typically look at income over a longer period, apply the 30% haircut to variable and rental income, and may ask for tax assessments and bank statements.

For these buyers, an early conversation with a bank is especially useful, because the assessed income can be noticeably lower than the headline figure. The TDSR calculator treats annual variable income at 70% to reflect the haircut.

A bank will also check the borrower’s credit record and may ask for a valuation of the unit before final approval, so the in-principle figure is best treated as a ceiling rather than a promise.

Getting In-Principle Approval Before the Lentor Signature Preview

An in-principle approval from a bank turns these estimates into a firm number for a particular household, subject to final approval and a valuation. Many buyers obtain one before the preview so they can book a unit with confidence.

The Sales Concierge can go through the figures with you once the price list for Lentor Signature is released, and the housing loan page sets out each rule.

This article is general information as at the date shown and is not financial, legal or tax advice. Statutory figures are from IRAS and MAS; particulars of Lentor Signature are from URA and the developer’s announcements.