Financing a home at Langdon Heights runs through a set of MAS rules that every bank applies to residential property loans. The total debt servicing ratio ties the loan to income, the loan-to-value limit ties it to the price, and the loan tenure decides which loan-to-value band applies. The amount offered is the smallest figure these tests produce.
The Total Debt Servicing Ratio for Langdon Heights Buyers
The total debt servicing ratio, or TDSR, caps a borrower’s combined monthly debt obligations at 55% of gross monthly income. The new housing loan sits inside that 55% together with every existing commitment, so repayments on car loans, other property loans, personal loans and credit cards all reduce the room remaining for a Langdon Heights mortgage.
Affordability is assessed at a stress rate rather than the quoted loan rate. For private property, MAS requires a medium-term interest rate of at least 4.0% a year in the TDSR computation, so the test repayment is worked out at 4.0% or the prevailing market rate, whichever is higher. The floor builds a cushion into the loan size for periods when rates move upward.
| Rule | What it governs | Limit |
|---|---|---|
| Total debt servicing ratio | All monthly debt repayments | 55% of gross monthly income |
| Medium-term interest rate floor | The rate used to assess the loan | 4.0% a year for private property |
| Loan-to-value, first loan | Loan as a share of the price | 75%, or 55% on a longer tenure |
Source: MAS rules on residential property loans (TDSR, the 4.0% medium-term rate floor, LTV bands and minimum cash downpayment); rates read 9 November 2026. Lenders layer their own credit assessment over these limits.
Langdon Heights Loan-to-Value Bands
The loan-to-value limit, or LTV, caps the loan as a percentage of the price. It tightens with each housing loan the borrower is still servicing: 75% on a first loan, 45% on a second and 35% on a third or later loan.
A second trigger lowers these figures further. Where the tenure runs past 30 years, or past the point at which the borrower reaches 65, the bands drop to 55%, 25% and 15%. The minimum cash downpayment moves in step: 5% on a first loan in the 75% band, 10% in the 55% band, and 25% on any second or later loan.
| Housing loans outstanding | Standard band | Minimum cash | Tenure past 30 years or age 65 |
|---|---|---|---|
| None | 75% | 5% | 55%, with 10% cash |
| One | 45% | 25% | 25%, with 25% cash |
| Two or more | 35% | 25% | 15%, with 25% cash |
Source: MAS rules on residential property loans (TDSR, the 4.0% medium-term rate floor, LTV bands and minimum cash downpayment); rates read 9 November 2026. Lenders layer their own credit assessment over these limits.
Langdon Heights LTV Bands on an Illustrative Price
Applied to an illustrative S$2,000,000, a round figure with no link to any Langdon Heights price, the six bands produce the maximum loans below. The rest of the price is met from cash and CPF savings, subject to the minimum cash share for the band.
| LTV band | Maximum loan | Minimum cash |
|---|---|---|
| 75% | S$1,500,000 | S$100,000 |
| 55% | S$1,100,000 | S$200,000 |
| 45% | S$900,000 | S$500,000 |
| 35% | S$700,000 | S$500,000 |
| 25% | S$500,000 | S$500,000 |
| 15% | S$300,000 | S$500,000 |
Illustration on S$2,000,000. MAS rules on residential property loans (TDSR, the 4.0% medium-term rate floor, LTV bands and minimum cash downpayment); rates read 9 November 2026. Lenders layer their own credit assessment over these limits.
The lower figure applies.
The bank sets the income-based TDSR figure against the LTV cap and lends the smaller of the two.
Which test binds depends on the household. Where income is strong relative to existing debts, the 75% band tends to set the loan on a first purchase. Where current commitments already absorb much of the 55% ceiling, the TDSR arrives at a lower figure first.
Langdon Heights Loan Drawdown During Construction
For an off-plan purchase, the granted loan is drawn in tranches that follow the progressive payment stages, so the full amount is outstanding only after the Certificate of Statutory Completion. The payment scheme page sets out each stage and its share of the price.
The TDSR calculator runs the income and LTV tests side by side, the progressive payment calculator spreads the loan across the stages, and the stamp duty calculator adds the duties for each buyer profile.
Register Your Interest in Langdon Heights
Join the Langdon Heights priority list through the Sales Concierge. Each release reaches registered buyers as soon as it is issued, beginning with the e-brochure, the floor plans and the price list, followed by preview invitations.
For registered buyers, as each is issued
- Invitations to view the showflat by private appointment.
- The e-brochure, floor plans and price list on the day of release.
- A loan estimate from the TDSR calculator, alongside the stamp duty that applies to each buyer profile.
- Guidance on home loans and the progressive payment schedule well before booking day.
Email the Sales Concierge
A personal reply follows every message.
Registered buyers hear first as each Langdon Heights release is issued, from the e-brochure to preview invitations.
Email the Sales ConciergeSales Concierge: sales@langdon-heights.com.sg