Artist’s impressionThe Two Limits on a Lentoria Home Loan
How much a bank will lend on a home at Lentoria is capped by two MAS rules: the loan-to-value (LTV) limit, which caps the loan as a share of the price, and the Total Debt Servicing Ratio (TDSR), which caps all debt repayments as a share of income. Each gives a figure, and the smaller of the two becomes the loan.
So a buyer with a high income may still be held to the LTV limit, and a buyer with a smaller income may find the TDSR figure is the one that decides. The rules described here are those read on 22 October 2026.
Loan-to-Value Limits for Lentoria Buyers
The LTV cap moves with the number of housing loans a borrower is already servicing. For each count there is a standard cap, a lower cap and a floor on how much of the price has to be paid in cash.
| Outstanding housing loans | Standard LTV | Lower LTV | Minimum cash |
|---|---|---|---|
| None | 75% | 55% | 5% (10% in the lower band) |
| One | 45% | 25% | 25% |
| Two or more | 35% | 15% | 25% |
Source: MAS, limits as read on 22 October 2026. Confirm the current limits with MAS or a lender before signing.
For a borrower with no outstanding housing loan, then, up to three-quarters of the price can come from the bank, and the rest from the buyer’s own cash and CPF savings. A buyer still servicing one housing loan can borrow at most 45%, and one with two or more at most 35%.
The cash floor shapes how a Lentoria purchase is funded. On a first loan in the standard band, the 5% booking fee, paid in cash, already meets the minimum, and the next 20% can be cash or CPF Ordinary Account savings, subject to CPF rules. With one or more housing loans outstanding, at least 25% of the price must be cash.
When the Lower Loan Band Applies at Lentoria
A loan drops into the lower band in either of two cases: its tenure exceeds 30 years, or it would still be running after the borrower turns 65, with joint borrowers judged on their income-weighted average age. Loans on private homes may run for up to 35 years.
Two cases show how it works. A 33-year-old who chooses a 35-year loan falls in the lower band because the tenure exceeds 30 years. A 50-year-old on a 20-year loan falls in it because the loan would end at 70. In the lower band the caps drop to 55%, 25% or 15%, and on a first loan at least 10% of the price must be paid in cash.
The TDSR Test for a Lentoria Loan
All of a borrower’s monthly repayments, the new home loan among them, must fit inside 55% of gross monthly income. Existing commitments such as car loans, other property loans and minimum card payments are deducted first, and the remainder of that 55% is turned into a loan amount over the chosen tenure.
Banks run the test using a medium-term rate instead of whatever promotional rate is on offer, so that the budget survives a rise in rates: the higher of a 4% floor and the loan’s thereafter rate. A fixed salary is taken in full, while bonuses, commissions and rental income are taken at 70% of their value once a 30% haircut is applied.
| Rule | As at October 2026 |
|---|---|
| TDSR limit | 55% of gross monthly income |
| Interest rate used for the test | The higher of a 4% floor or the loan’s thereafter rate |
| Variable and rental income | Counted at 70%, after a 30% haircut |
| Longest tenure, private property | 35 years |
| Joint borrowers | Income-weighted average age |
Source: MAS, limits as read on 22 October 2026. Confirm the current limits with MAS or a lender before signing. The 4% floor: joint MAS, MND and HDB release of 29 September 2022.
The Lentoria TDSR calculator does this for one or two borrowers, compares the result with the LTV limit and shows which of the two rules sets the loan.
In-Principle Approval Before Choosing a Lentoria Home
An in-principle approval, sought from a bank before a viewing, states how much the bank is prepared to lend on the details supplied, with final approval and a valuation still to come. With it, the stamp duty, the booking fee and the cash share stop being estimates and become firm figures, which matters at Lentoria, because construction is well advanced and several instalments may fall due soon after booking. Terms, and how long an approval stays valid, differ from bank to bank, and each lender applies its own credit policy, so a calculator figure is indicative only; the Sales Concierge can arrange an in-principle approval on request.
Once the buyer’s own share has been paid in, the bank takes over the stage payments. The rules are set out in full on the Lentoria housing loan page, while the progressive payment calculator splits each stage into its cash, CPF and loan parts.
General information as at the date shown, not financial, legal or tax advice. Particulars of Lentoria come from the developer’s published particulars, fact sheet, brochure and plans; statutory figures are those on this site’s financing pages, and distances are straight lines measured on OneMap. Sources: the MAS limits as read on 22 October 2026 and the joint MAS, MND and HDB release of 29 September 2022, as set out on this site’s housing loan, payment scheme and TDSR calculator pages.
Ask the Sales Concierge about Lentoria
Ask the Sales Concierge for the price list, the homes that remain and the e-brochure for Lentoria. Showflat viewings are arranged by appointment through the Sales Concierge.