Financing
Financing a home at The River Opus usually means a bank housing loan, subject to Singapore’s prevailing loan rules. This page covers the key concepts — loan-to-value limits, the Total Debt Servicing Ratio and in-principle approval — so you can prepare. Loan rules and rates change, so confirm current terms with your banker or mortgage adviser.
The essentials
The Loan-to-Value limit sets the maximum proportion of the purchase price a bank can lend, with the balance funded from cash and CPF. The Total Debt Servicing Ratio caps your total monthly debt obligations as a share of gross monthly income, which determines how large a loan you can take. Securing an In-Principle Approval before booking gives you a clear, reliable budget and lets you commit with confidence when units at The River Opus are released. Our team can connect you with bankers to compare packages — register on the showflat page. Also review the payment scheme and stamp duty to see the full cost picture.
| 1st Loan | 2nd Loan | 3rd & Subsequent | |
|---|---|---|---|
| Maximum LTV (tenure up to 30 yrs & age ≤ 65) | 75% | 45% | 35% |
| Maximum LTV (tenure 31–35 yrs or age > 65) | 55% | 25% | 15% |
| Minimum Cash Downpayment | 5% | 25% | 25% |
| Maximum Loan Tenure | Up to 35 years (longer tenures reduce the LTV ceiling) |
| Total Debt Servicing Ratio (TDSR) | Monthly debt obligations capped at 55% of gross monthly income |
| Medium-Term Stress Test Rate | Loan eligibility assessed at a floor interest rate (around 4%) regardless of the actual rate offered |
| Guarantors / Co-borrowers | All co-borrowers must be mortgagors; guarantors may be required if TDSR is not met |
MAS rules change from time to time — treat these as a guide and confirm your eligibility with a banker or mortgage adviser before committing.
Borrow with confidence
Register to be connected with mortgage specialists and plan your financing for The River Opus.
Register interest