This calculator estimates the maximum housing loan an income can support for a purchase at Linktown Residences, under the Monetary Authority of Singapore's Total Debt Servicing Ratio framework, and sets it beside the Loan-to-Value ceiling so the binding limit is clear. The rules are summarised on the housing loan page.
MAS applies a minimum 30% haircut.
MAS applies a minimum 30% haircut.
Maximum 35 years; over 30 lowers the LTV ceiling.
The MAS floor is 4%.
Sets the Loan-to-Value ceiling.
Indicative only. A tenure beyond 30 years drops the LTV ceiling and raises the minimum cash downpayment. Where the LTV limit falls 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. Rates per MAS, as at September 2026.
Assessed income is fixed income in full plus variable income such as bonuses and commission, averaged monthly after a haircut of at least 30 per cent. Up to 55 per cent of it may go to monthly debt repayments, and the room left after existing commitments is converted into a loan at the assessment rate over the permitted tenure.
For joint borrowers, tenure is set by the income-weighted average age and runs to age 65. The result is capped by the Loan-to-Value limit, and the lower of the two binds. Pair it with the stamp duty calculator and the progressive payment calculator, then arrange a preview.
Registration places the Linktown Residences material in your hands on the day the developer issues it, and it is the list the Sales Concierge works through first when preview appointments open.
Free, and with no obligation. Every enquiry is answered personally.
Approximate straight-line distances from the land parcel. Walking routes follow the final site plan.
Prefer to speak to someone? Call +65 6200 6220, or message the same number on WhatsApp.