Financing
This The River Opus TDSR calculator estimates the maximum housing loan the applicant's income can support under the Monetary Authority of Singapore's Total Debt Servicing Ratio framework, then compares it against the Loan-to-Value ceiling so the binding limit is clear. The River Opus is private residential property, so the private-property rules apply. The full framework is set out on the housing loan page.
MAS applies a 30% haircut.
Car, personal and other property loans.
MAS applies a 30% haircut.
Car, personal and other property loans.
Maximum 35 years for private property.
Rates below 4% are assessed at the 4% floor.
Sets the Loan-to-Value ceiling.
Indicative only. Either trigger moves a loan into MAS’s lower LTV band: a tenure longer than 30 years, or a loan that runs beyond age 65 (on the income-weighted average age when two borrowers apply). In that band the ceiling is 55% with no other housing loan, 25% with one and 15% with two or more, and a first-loan buyer must put down at least 10% in cash instead of 5%. Where the LTV limit is below the TDSR limit, the property loan is the binding constraint. Banks apply their own credit policies — confirm with a bank, or ask the appointed marketing team to arrange an In-Principle Approval. Do not include an existing home loan that will be discharged before this purchase.
Banks first compute assessed income — fixed income in full, variable income (bonuses, commissions, rental) averaged monthly and cut by 30%. The TDSR ceiling is 55% of that figure across all monthly debts, and the headroom left after existing obligations is converted to a loan quantum over the tenure chosen, using an assessment rate that never drops below MAS’s 4% floor. For two borrowers the age that counts is the income-weighted average age; when that age plus the tenure goes past 65, or the tenure goes past 30 years, the loan falls into the lower loan-to-value band, so having the younger borrower earn the larger share can keep a longer loan in the higher band.
The result is then capped by the Loan-to-Value ceiling on the purchase price: 75% for a first housing loan, 45% with one loan outstanding, 35% with two or more — or 55%, 25% and 15% once the lower band applies. Whichever of the two limits — income (TDSR) or property (LTV) — is lower is the one that binds. Stack this with the stamp duty calculator and the progressive payment calculator for the complete picture, then book a showflat visit.