This Amberwood at Holland TDSR calculator works out the largest housing loan an income can support under the MAS Total Debt Servicing Ratio, then sets it against the loan-to-value limit on the price to show which one decides the loan. The price field starts at $1,500,000 as an illustration only and is not the price of any home at Amberwood at Holland. The rules behind it are on the housing loan information 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 an Amberwood at Holland Loan Is Sized
A bank starts from assessed income: fixed salary in full, and bonuses or commissions at 70% after the haircut, spread over twelve months. Up to 55% of that may go on debt each month, so existing repayments are deducted first. The balance is converted into a loan amount at the MAS test rate of 4%, or the actual rate if higher, over the chosen tenure.
Joint buyers are assessed on their income-weighted average age. A tenure beyond 30 years, or a loan running past age 65 on that average, moves the loan into the lower LTV band with a larger cash share, and the smaller of the TDSR and LTV figures becomes the loan. The progressive payment calculator and the stamp duty calculator complete the picture before an Amberwood at Holland showflat appointment.
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.