This Dunearn House TDSR calculator estimates the maximum housing loan the applicant's income can support under the Monetary Authority of Singapore's Total Debt Servicing Ratio framework, then compares it against the Loan-to-Value ceiling so the binding limit is clear. Dunearn House is private residential property, so the private-property rules apply. The housing loan page explains the wider rules in detail.
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 Dunearn House Loan Eligibility Is Assessed
A bank first works out assessed income: fixed salary in full, and variable income such as bonuses, commissions or rent averaged over the year with a 30% haircut. The Total Debt Servicing Ratio allows up to 55% of that figure to go on all monthly debt repayments, so card minimums, car loans and other property loans are deducted first. What remains is converted into a loan amount at MAS’s 4% medium-term rate floor, or the bank’s higher thereafter rate, over the permitted tenure.
Tenure is capped at 35 years for private property. Joint applicants are assessed on their income-weighted average age, and a loan that runs past age 65 on that age, or for more than 30 years, falls into the lower loan-to-value band with a larger cash downpayment. A younger co-borrower with the larger income lowers that average age, so a longer loan can stay in the higher band. The figure is then compared with the loan-to-value limit on the price, and the lower of the two decides how much can be borrowed. Use the payment calculator and the duty calculator alongside this one, then book a Dunearn House showflat appointment.
Register Your Interest in Dunearn House
The Sales Concierge sends the e-brochure, the full set of eighteen floor plans and the current price list to registered parties. Showflat viewings are arranged by appointment through the Sales Concierge. There is no charge to register and no commitment attached.
What the Sales Concierge sends
- The Dunearn House e-brochure and the full project details.
- All eighteen floor plan types, from the 527 sq ft 2-bedroom to the 1,378 sq ft 4-bedroom premium with study.
- The current price list and the balance units by block and stack.
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.