Condo Guides · Financing

Financing your condo,
without the guesswork.

How Singapore condo loans actually work — TDSR limits, LTV ratios, CPF rules, fixed vs floating, and how to compare mortgage packages without getting lost in the fine print.

What this guide covers

  • TDSR and MSR — your borrowing limits
    What the 55% and 30% caps mean and how banks calculate them
    Coming soon
  • LTV limits by property count
    75%, 45%, 35% — what you can borrow for your 1st, 2nd, 3rd property
    Coming soon
  • Fixed vs floating rate loans
    When fixed makes sense, when to float, and what SORA means for you
    Coming soon
  • Using CPF for your mortgage
    OA limits, accrued interest, and why it matters when you sell
    Coming soon
  • Bridging loans explained
    When you buy before you sell — the costs, risks, and alternatives
    Coming soon
  • Refinancing your existing loan
    When to reprice, when to refinance, and what the penalties look like
    Coming soon

Use our TDSR calculator while the guide is being finalised.

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