Two MAS rules set the loan for a home at Amberwood at Holland: the loan-to-value (LTV) limit, which caps the loan against the price, and the Total Debt Servicing Ratio (TDSR), which caps all monthly debt repayments against income. The figures below were in force on 6 October 2026.
Amberwood at Holland Loan-to-Value Limits
The limit turns on how many housing loans the borrower already has. Each tier has a standard figure, a lower figure and a minimum share of the price paid in cash.
| Outstanding housing loans | Standard LTV | Lower LTV | Minimum cash |
|---|---|---|---|
| None | 75% | 55% | 5% (10% in the lower band) |
| One | 45% | 25% | 25% |
| Two or more | 35% | 15% | 25% |
Source: MAS, checked 6 October 2026. Rates can change; confirm with MAS before you sign.
When the Lower Band Applies at Amberwood at Holland
A loan falls into the lower band when either condition is met:
- the tenure is longer than 30 years; or
- the loan would run past the borrower’s 65th birthday, measured on the income-weighted average age for joint borrowers.
A 32-year-old on a 33-year loan ends at 65, yet the tenure is over 30 years, so the lower band applies. A 42-year-old on a 25-year loan stays within 30 years but ends at 67, so it applies as well. Staying inside both limits keeps the standard figure. Private property loans run for at most 35 years.
The TDSR Test for Amberwood at Holland Buyers
Every monthly debt repayment, the new loan included, must stay within 55% of gross monthly income. The new loan is tested at a medium-term rate rather than the bank’s offered rate, which allows headroom for rates to rise.
| Rule | As at October 2026 |
|---|---|
| TDSR limit | 55% of gross monthly income |
| Interest rate used for the test | 4%, or the loan’s own rate if higher |
| Variable and rental income | Counted at 70%, after a 30% haircut |
| Longest tenure, private property | 35 years |
| Joint borrowers | Income-weighted average age |
Source: MAS, checked 6 October 2026. Rates can change; confirm with MAS before you sign.
Fixed salary is counted in full. Credit card minimum payments, car loans and other property loans are subtracted before the remaining capacity is converted into a loan amount. The Amberwood at Holland TDSR calculator applies these rules for one borrower or two.
In-Principle Approval for an Amberwood at Holland Purchase
Many buyers obtain a bank’s in-principle approval (IPA) before booking. An IPA states the amount the bank is prepared to lend on the details supplied, subject to final approval and valuation, and gives a firm figure for planning the stamp duty, the booking fee and the cash portion. Each bank sets its own terms and validity period.
After the buyer’s own portion is paid, the loan is drawn stage by stage under the Amberwood at Holland payment scheme, and the progressive payment calculator shows the split at each stage.
Register Your Interest in Amberwood at Holland
The Sales Concierge sends the e-brochure, the full set of sixteen floor plans and the current price list for Amberwood at Holland, and arranges a private viewing of the three show units at the sales gallery at a time that suits you.
What the Sales Concierge sends
- The Amberwood at Holland e-brochure and the full project details.
- All sixteen floor plan layouts, from the 872 sq ft 3-bedroom to the 1,572 sq ft 5-bedroom Luxe.
- The current price list and the balance units chart by block and stack.
- A private showflat appointment and the numbered site plan of all 28 facilities.
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.