This Lentor Signature TDSR calculator works out the largest home loan an income can carry under the MAS Total Debt Servicing Ratio, then compares it with the loan-to-value limit on the price to show which rule sets the loan. The price field opens at $1,500,000 as an illustration only; it bears no relation to the price of any home at Lentor Signature, which the developer releases in due course. The rules behind it are on the housing loan information page.
Main Applicant
Counted after a 30% haircut.
Car, personal and other property loans.
Joint Applicant
Counted after a 30% haircut.
Car, personal and other property loans.
Up to 35 years for private property.
Anything below 4% is tested at 4%.
Sets the loan-to-value limit.
Indicative only. A tenure over 30 years, or a loan running past age 65 (income-weighted for joint applicants), moves the loan to the lower LTV limit of 55%, 25% or 15% depending on loans outstanding, and lifts the minimum cash on a first housing loan from 5% to 10%. Where the LTV limit is lower than the TDSR figure, the LTV limit decides the loan. Banks apply their own credit policies; confirm with a bank, or ask the Sales Concierge to arrange an in-principle approval. Leave out any existing home loan that will be repaid before this purchase.
How a Lentor Signature Loan Is Sized
A bank starts from assessed income: fixed salary in full, plus bonuses and commissions at 70% after the haircut, spread across twelve months. Up to 55% of that may go to debt each month, so existing repayments come off first, and the balance is converted into a loan amount at the MAS test rate of 4%, or the actual rate if higher, over the chosen tenure.
Joint buyers are assessed on their income-weighted average age. A tenure longer than 30 years, or a loan running past age 65 on that average, moves the loan into the lower LTV band with a larger cash share, and the smaller of the TDSR and LTV results becomes the loan. The progressive payment calculator and the stamp duty calculator complete the picture before a preview appointment.
Register for the Lentor Signature Preview
A registration puts your household on the preview list for Lentor Signature. As the developer issues each document, the Sales Concierge forwards it to you, and books your viewing once the preview gallery opens.
Sent to registrants first
- The e-brochure with the full project details.
- Every floor plan and the site plan of the three towers.
- The price list and the balance units chart stack by stack.
- The elevation chart, placing every unit by tower and level.
- A booked slot at the preview gallery when viewings begin.
Lentor Central. Three towers. About 553 homes.
A 99-year leasehold address about 400 m from Lentor MRT, by GuocoLand, Intrepid Investments and TID Residential.
Register Your Interest
No obligation. The Sales Concierge responds personally to every enquiry.
Prefer to speak to someone? Call +65 6200 6220, or send a WhatsApp message to the same number.