This Faber Residence TDSR calculator estimates the largest housing loan your income can carry under MAS’s Total Debt Servicing Ratio, then compares it with the loan-to-value limit on the price so you can see which one binds. The price field opens at $1,500,000 as an illustration only, not the price of any home at Faber Residence. The rules are explained on the housing loan 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 Faber Residence Loan Is Sized
The bank begins with assessed income: fixed pay in full, and bonuses or commissions at 70% after the haircut, averaged over twelve months. Up to 55% of that can go on debt each month, so existing commitments are taken off first. What remains is turned into a loan amount at the MAS test rate, which is 4% or the actual rate if higher, over the tenure chosen.
Two applicants are assessed on their income-weighted average age. A tenure past 30 years, or a loan that outlasts age 65 on that average, drops the loan into the lower LTV band with a bigger cash payment. The smaller of the TDSR and LTV figures is the loan. Run the progressive payment calculator and the stamp duty calculator next, then book a Faber Residence viewing with the figures in hand.
Register Your Interest in Faber Residence
The Sales Concierge sends the e-brochure, the full set of floor plans and the current price list for Faber Residence, and arranges a private viewing of the three show units at a time that suits you.
What the Sales Concierge sends
- The Faber Residence e-brochure and the full project details.
- All 23 floor plan types, from the 646 sq ft 2-bedroom to the 1,485 sq ft 5-bedroom.
- The current price list and the balance units chart by block and stack.
- A private showflat appointment and the site plan with all 18 courtyards.
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.