Peck Hay Road Residences Financing & Home Loan Guide

Peck Hay Road financing should reflect the buyer's Newton budget while official CDL and Hong Leong prices remain absent.

Decision notes

The planned 39-storey form and approximate unit count are project context, not lending inputs.

No unit-level purchase amount, valuation, bank package or confirmed payment calendar is stored.

Complete a personal lender review and request the dated price release through Davis Ng's enquiry path.

Financing mechanics

Loan-to-Value (LTV) — up to 75%. On a first housing loan a bank can finance up to 75% of the price or valuation. You provide the rest, with at least 5% in cash at booking.
TDSR — 55%. Your total monthly debt repayments (home loan, car, personal loans) must not exceed 55% of gross monthly income. Banks size the loan using a 4% medium-term stress rate.

Preparation sequence

Get an Approval-in-Principle (AIP/IPA) from a bank so you know your budget before launch day.
Pay the 5% booking fee on the Option to Purchase, then exercise the Option and pay the balance down-payment.
Loan disburses progressively as construction hits each milestone — your instalments step up over time.

Estimate your numbers with the mortgage calculator and the progressive payment calculator, then see the full payment schedule and stamp duty due.

This is general information, not financial advice. Loan eligibility, rates and rules are set by the banks and MAS and can change — confirm current figures with a licensed mortgage banker.

Peck Hay Road Residences Financing — FAQ

Does Peck Hay's planned scale improve borrowing?

No; a lender assesses the borrower and verified property value, not tower height.

What should be ready before a Newton booking?

Buyers should understand lender capacity, available funds and the official payment obligations first.

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