Town Hall Link Financing & Home Loan Guide

Town Hall Link financing cannot be project-specific while its white-site residential programme remains TBA.

Decision notes

A private-home household can establish a personal range without assuming future unit mix or commercial integration.

No developer, home type, purchase price, valuation or construction schedule is confirmed.

Complete general financial preparation and wait for verified residential particulars before seeking unit terms.

Financing mechanics

Loan-to-Value (LTV) — up to 75%. On a first housing loan a bank can finance up to 75% of the price or valuation. You provide the rest, with at least 5% in cash at booking.
TDSR — 55%. Your total monthly debt repayments (home loan, car, personal loans) must not exceed 55% of gross monthly income. Banks size the loan using a 4% medium-term stress rate.

Preparation sequence

Get an Approval-in-Principle (AIP/IPA) from a bank so you know your budget before launch day.
Pay the 5% booking fee on the Option to Purchase, then exercise the Option and pay the balance down-payment.
Loan disburses progressively as construction hits each milestone — your instalments step up over time.

Estimate your numbers with the mortgage calculator and the progressive payment calculator, then see the full payment schedule and stamp duty due.

This is general information, not financial advice. Loan eligibility, rates and rules are set by the banks and MAS and can change — confirm current figures with a licensed mortgage banker.

Town Hall Link Financing — FAQ

Can mixed-use planning determine Town Hall borrowing?

No; financing requires a specific property transaction and the household's current assessed circumstances.

What should remain provisional for this site?

Any purchase amount, payment timeline or loan scenario tied to the unreleased residential component.

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