Tanjong Rhu Road Financing & Home Loan Guide

Tanjong Rhu Road financing should use verified household and future unit evidence, not press planning estimates.

Decision notes

This private-condominium case requires lender capacity and staged cash flow to align once consortium pricing is released.

No official purchase amount, floor area, bank package or confirmed construction timetable is available.

Prepare personal documents and request dated project figures through the named marketing-agent channel.

Financing mechanics

Loan-to-Value (LTV) — up to 75%. On a first housing loan a bank can finance up to 75% of the price or valuation. You provide the rest, with at least 5% in cash at booking.
TDSR — 55%. Your total monthly debt repayments (home loan, car, personal loans) must not exceed 55% of gross monthly income. Banks size the loan using a 4% medium-term stress rate.

Preparation sequence

Get an Approval-in-Principle (AIP/IPA) from a bank so you know your budget before launch day.
Pay the 5% booking fee on the Option to Purchase, then exercise the Option and pay the balance down-payment.
Loan disburses progressively as construction hits each milestone — your instalments step up over time.

Estimate your numbers with the mortgage calculator and the progressive payment calculator, then see the full payment schedule and stamp duty due.

This is general information, not financial advice. Loan eligibility, rates and rules are set by the banks and MAS and can change — confirm current figures with a licensed mortgage banker.

Tanjong Rhu Road Financing — FAQ

Can approximate unit count affect Tanjong borrowing?

No; a planning estimate is unrelated to the borrower's assessed capacity and specific unit value.

When should consortium pricing enter the model?

Only after an identifiable official release supplies the relevant unit and purchase amount.

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