Dunearn House TDSR Quick Facts
For Dunearn House 2BR ~S$2.0M: max loan = S$1.5M (75% LTV). Monthly repayment (30yr, 4%): ~S$7,163/mo. Min gross income: ~S$13,024/mo. For 3BR ~S$2.8M: min gross income ~S$18,235/mo. ABSD: SC first property 0%, second property 20%. No MSR for private condo.
Dunearn House Financing Guide: TDSR, LTV & Income Requirements at S$2,500–2,800 PSF
Buying CCR at S$2,500–2,800 PSF requires careful financial preparation. This guide breaks down the exact income, loan, and CPF requirements for each Dunearn House unit type — and addresses the ABSD considerations for second-property and foreign buyers.
Singapore Private Condo Mortgage Rules
| Rule | Limit | Notes |
|---|---|---|
| LTV (first property) | 75% | Requires 25% cash/CPF + fees |
| LTV (second property) | 45% | 55% cash/CPF required — significant capital outlay |
| TDSR | 55% gross monthly income | All debt obligations combined |
| Stress test rate | ~4.0–4.5% | Banks qualify at stress test, not headline rate |
| Max tenure | 30 years | Capped at 65 minus age of older borrower |
Income Requirements by Unit Type
| Unit | Est. Price | Max Loan 75% | Monthly (30yr,4%) | Min Income (TDSR 55%) |
|---|---|---|---|---|
| 2BR | S$2.0M | S$1.5M | ~S$7,163/mo | ~S$13,024/mo |
| 3BR | S$2.8M | S$2.1M | ~S$10,029/mo | ~S$18,235/mo |
| 4BR | S$3.8M | S$2.85M | ~S$13,607/mo | ~S$24,740/mo |
Indicative. 75% LTV, 30yr, 4% stress test, 55% TDSR, no other debt. Actual qualifying income depends on all existing commitments including car loans and credit facilities.
Speak to Alvin Tan — New Launch Specialist
WhatsApp: wa.me/6584888648
CEA Reg. No. R072324C | ERA Realty Network Pte Ltd (L3002382K)
CPF Usage for CCR Property
SC and PR buyers may use CPF OA for progressive payments and monthly mortgage instalments. For Dunearn House at S$2.0M (2BR): 25% downpayment = S$500,000. Minimum S$200,000 cash (10% OTP exercise) + S$300,000 balance from CPF OA (subject to OA balance and Valuation Limit). CPF Retirement Account Minimum Sum must remain untouched.
Second Property Buyers: The ABSD-LTV Double Impact
Second-property buyers face two simultaneous challenges: LTV drops to 45% (requiring 55% cash/CPF) AND ABSD of 20% (SC) or 30% (PR) applies. For a S$2.8M 3BR: downpayment = S$1.54M (55%) + ABSD = S$560K (SC). Total cash/CPF outlay before BSD: approximately S$2.1M. This requires either significant CPF OA savings or substantial liquid assets — a genuine HNW entry threshold.
DBS/OCBC/UOB: Which Banks Finance CCR?
All three major Singapore banks (DBS, OCBC, UOB) finance CCR private condos. For new launch purchases, the most common structure is: DBS HDB/Private loan at 1-year fixed + floating, or OCBC’s 2/3-year fixed package. UOB offers competitive rates for buyers with existing banking relationships. Pre-approval (in-principle approval, IPA) should be obtained before registering for the Dunearn House ballot to confirm your qualifying loan amount.
What is the minimum income for Dunearn House 2BR?
Approximately S$13,024/month gross (individual or combined) for a S$2.0M 2BR, assuming 75% LTV, 30yr, 4% stress test, no other debts.
Can I use CPF for Dunearn House?
Yes — SC and PR buyers can use CPF OA for progressive payments and monthly mortgage. Minimum 10% cash required at OTP exercise. CPF Valuation Limit applies.
How much ABSD for a Singapore citizen second property at Dunearn House?
20% ABSD. On a S$2.8M 3BR, that is S$560,000. This is in addition to BSD and must be paid within 2 weeks of OTP exercise.
Speak to Alvin Tan — New Launch Specialist
WhatsApp: wa.me/6584888648
CEA Reg. No. R072324C | ERA Realty Network Pte Ltd (L3002382K)
Get a Free Property Valuation from Alvin
Need an honest, data-driven valuation on this project, your existing property, or a comparison? WhatsApp Alvin Tan directly — CEA-licensed, ERA Realty, no obligation. Same-day reply during office hours.
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