Loan-to-Value (LTV) Results at a Glance: Quick Reference Table
Sometimes you only need a ballpark figure. This page lists loan-to-value (ltv) results for a range of common inputs, so you can see the pattern at a glance.
| Inputs | Maximum bank loan | Minimum downpayment | Minimum cash portion |
|---|---|---|---|
| Property price: 1,000,000, Housing loans you already have: None | S$750,000.00 | S$250,000.00 | S$50,000.00 |
| Property price: 500,000, Housing loans you already have: None | S$375,000.00 | S$125,000.00 | S$25,000.00 |
| Property price: 750,000, Housing loans you already have: None | S$562,500.00 | S$187,500.00 | S$37,500.00 |
| Property price: 1,250,000, Housing loans you already have: None | S$937,500.00 | S$312,500.00 | S$62,500.00 |
| Property price: 1,500,000, Housing loans you already have: None | S$1,125,000.00 | S$375,000.00 | S$75,000.00 |
| Property price: 2,000,000, Housing loans you already have: None | S$1,500,000.00 | S$500,000.00 | S$100,000.00 |
How these were worked out
LTV is 75% for a first housing loan, 45% for a second and 35% for a third. At least 5% (first loan) or 25% (subsequent loans) must be paid in cash.
Property is the largest purchase most Singaporeans make, and stamp duties, loan limits and cash requirements are front-loaded. Small mistakes in these figures can mean a shortfall at completion, so it pays to run the numbers before you commit to an option to purchase.
Beyond the price, buyers should budget for legal fees, valuation, home insurance, renovation and furnishing. Running the figures in advance helps you decide how much cash to hold back and whether a smaller loan or longer tenure makes more sense.
Most Singaporeans live in HDB flats, which can be financed with an HDB concessionary loan at 0.1% above the CPF Ordinary Account rate or with a bank loan. Private property must be financed with a bank loan, and banks offer fixed, floating and SORA-pegged packages.
Stamp duties are paid upfront. Buyer's Stamp Duty applies to every purchase at tiered rates up to 6%, while ABSD depends on the buyer's residency status and how many residential properties they already own. Sellers who dispose of a property within the holding period pay Seller's Stamp Duty.
Tips
- Budget for legal fees, valuation, renovation and moving costs on top of the downpayment and stamp duties.
- Stamp duty is based on the purchase price or market value, whichever is higher.
- Banks test your TDSR at a stress-test rate, not the advertised rate, so your borrowing limit is lower than you might expect.
Related calculations
- Additional Buyer's Stamp Duty (ABSD) Calculator: Calculates ABSD by buyer profile and the number of residential properties owned, using the rates in force since 27 April 2023.
- Total Property Stamp Duty Calculator: Adds BSD and ABSD together so you know the full stamp duty bill before you sign an option to purchase.
- Seller's Stamp Duty (SSD) Calculator: Calculates SSD for residential property bought on or after 4 July 2025 and sold within four years.
- HDB Loan Calculator: Calculates monthly repayments on an HDB concessionary loan, which is pegged at 0.1% above the CPF Ordinary Account rate (2.6% a year).
For your exact numbers, use the Loan-to-Value (LTV) Calculator.
Run your own numbers: Loan-to-Value (LTV) Calculator