For illustration onlyTwo MAS rules decide how much a bank may lend on a home at Grand Dunman: the loan-to-value (LTV) limit, which caps the loan against the price, and the Total Debt Servicing Ratio (TDSR), which caps repayments against income. The figures below were in force on 22 October 2026.
Grand Dunman Loan-to-Value Limits
The limit depends on how many housing loans the borrower already has. Each tier has a standard limit, a lower limit and a minimum share of the price 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, read 22 October 2026. Limits are set by MAS and may change; confirm them with your bank before signing.
When the Lower Band Applies at Grand Dunman
The lower limits apply when either of these is true:
- the loan tenure exceeds 30 years; or
- the loan would run beyond the borrower’s 65th birthday, taking the income-weighted average age for joint borrowers.
A 32-year-old taking a 35-year loan exceeds 30 years and would finish at 67, so the lower band applies; a 48-year-old on a 20-year loan stays within 30 years but would finish at 68, so it applies as well. Loans on private homes may run for up to 35 years.
Beyond 30 years, or past 65.
The loan limit falls to 55%, 25% or 15%, and the minimum cash on a first loan rises to 10%.
Grand Dunman and the TDSR Test
Together, all monthly debt repayments, the new home loan included, must not exceed 55% of gross monthly income. The new loan is tested at a medium-term interest rate rather than the rate a bank quotes, so that it stays affordable if rates go up.
| 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, read 22 October 2026. Limits are set by MAS and may change; confirm them with your bank before signing. The 4% floor: joint MAS, MND and HDB release of 29 September 2022.
Fixed salary is counted in full. Repayments on car loans, other property loans and the minimum on credit cards are taken off first, and what is left of the 55% is converted into a loan amount. The TDSR calculator runs these rules for one or two borrowers.
An In-Principle Approval before Viewing Grand Dunman
Many buyers ask a bank for an in-principle approval before a viewing. It states what the bank is prepared to lend on the details given, subject to final approval and a valuation, and turns the stamp duty, the booking fee and the cash share into firm figures. Each bank sets its own terms and the period the approval remains valid.
After the buyer’s own share is paid, the loan is drawn stage by stage under the payment scheme, and the progressive payment calculator shows how each stage is split.
Request the Grand Dunman Price List
Grand Dunman is open for sale, and the Sales Concierge sends the current price list with the homes still available. Showflat viewings are arranged by appointment through the Sales Concierge.
Sent on request
- The current price list with the homes still available.
- The e-brochure and the floor plans you shortlist.
- A payment schedule and the stamp duty for your profile.
- A showflat appointment at a time that suits you.
Request the Price List
No obligation. The Sales Concierge responds personally to every enquiry.
Prefer to speak to someone? Call +65 6200 6220, or send a WhatsApp message to the same number.