Landed Housing Development Home Loan and Financing Guide: Secure Your D19 Dream Home
Financing a Landed Housing Development home loan in Lorong 6 Realty Park, District 19 (Serangoon, Hougang), requires understanding Singapore's strict lending rules like LTV up to 75% for private properties and TDSR capped at 55% of gross income. This guide provides actionable steps, estimated payments, and Homejourney tools to help first-time buyers, upgraders, investors, and expats finance safely. Homejourney verifies all data for trust and transparency, ensuring confident decisions.
As a cluster supporting our pillar on Landed Housing Development for sale, this focuses on financing specifics. See detailed project analysis for transaction history.
Property Overview: Why Landed Housing Development Stands Out
Landed Housing Development at Lorong 6 Realty Park offers exclusive landed homes in prime D19, blending serenity with urban access. Buyers love its spacious layouts, privacy, and strong community vibe—perfect for families upgrading from Singapore condo for sale options. Current market values range from S$3.5M to S$6M+, reflecting robust demand in Serangoon and Hougang.
Developer reputation shines through quality builds compliant with URA standards. Positioned as a value gem amid rising D19 properties, it appeals to those eyeing property investment. Browse available units for sale at Landed Housing Development on Homejourney.
Available Units for Sale and Price Expectations (2026)
Typical units include 3-5 bedroom semi-detached and terrace homes, sizes 3,500-5,000 sqft, with available units starting at S$3.8M (PSF ~S$1,000). Popular picks are 4BR family homes at S$4.5M-S$5.2M. Prices have appreciated 8-12% yearly per URA data, outperforming nearby condos.
- Semi-Detached (4BR): S$4.2M-S$5M, high demand for space.
- Terrace Houses (3-5BR): S$3.8M-S$4.8M, investor favorites.
- Larger Bungalows: S$5.5M+, for upgraders.
Disclaimer: Prices are 2026 estimates; verify latest via Homejourney. Read our Landed Housing Development Price Trends & Analysis D19 | Homejourney ">Landed Housing Development Price Trends & Analysis D19.
Why Buy at Landed Housing Development: Key Selling Points
Enjoy private gardens, low-density living, and modern fittings rare in D19. Lifestyle perks include quick drives to Hougang Mall and Serangoon Gardens. Investment shines with 4-5% rental yields and tenant demand from expats. Unique features like customizable A&A (under 50% GFA per URA) add value post-purchase.
Location Advantages in District 19
Lorong 6 Realty Park is 800m (10-min walk) from Serangoon MRT (CC13/NE12) and 1.2km from Hougang MRT (NE14). Top schools: Rosyth School (primary, 1km), Zhonghua Secondary (800m), Australian International School (2km). Amenities: Nex Mall (5-min drive), Punggol Park (jogging trails), wet markets for local flavors.
D19 benefits: Connectivity via KPE/CTE, growing ecosystem. Insider tip: Weekday mornings offer quiet estate walks—locals' favorite for family bonding.
Financing Guide: Landed Housing Development Home Loans Explained
Private landed properties qualify for bank loans up to 75% LTV (25% downpayment: 5% cash + 20% cash/CPF). TDSR limits repayments to 55% income; stress-tested at 4% rates. SORA-based floating rates average 2.5-3.5% in 2026, per bank trends. Expats face 60% ABSD unless exempt; citizens pay 0% first property.
Estimated Monthly Payments (30-year tenure, 3% rate):
- S$4M unit (75% loan = S$3M): ~S$12,600/month.
- S$5M unit: ~S$15,800/month.
CPF Ordinary Account usable for downpayment/repayments. Use Homejourney's mortgage calculator at Bank Rates for personalized checks. Home equity loans post-MOP fund renos (up to property value).
ABSD Breakdown by Buyer Profile
| Buyer Type | ABSD Rate |
|---|---|
| Singapore Citizen (First) | 0% |
| SC (Second) | 20% |
| PR (First) | 5% |
| Foreigner | 60% |
Source: IRAS 2026 rules. Always consult professionals.
Price Analysis and Comparisons
2026 PSF: S$950-S$1,200, up 10% YoY. Vs. nearby buy condo like Country Park (S$1,800 PSF), landed offers better space-value. Historical appreciation: 25% over 5 years (URA). Strong vs. Serangoon Gardens (similar but pricier). Landed Housing Development for Sale D19: Units & Guide | Homejourney ">Landed Housing Development for Sale D19 Guide details units.
Step-by-Step Buying Process
- Get IPA: Apply at banks via Homejourney for borrowing power (1-3 days).
- Exercise Option to Purchase (OTP): Pay 1% option fee.
- Pay Downpayment: 25% total (cash/CPF).
- Secure Loan: Finalize within 14-21 days; lawyers handle.
- Completion: 8-12 weeks; CPF for stamp duties.
Documents: Payslips, CPF statements, ID. Timeline: 2-3 months. Schedule a viewing with a property agent via Homejourney for verified support.
Investment Potential in Lorong 6 Realty Park
Rental yields: 3.5-4.5% (S$12K-S$18K/month for 4BR). Capital growth: 6-8% annually, driven by D19 uplift. High tenant demand from professionals near MRTs. Future: Nearby amenities boost values. See Landed Housing Development Unit Types & Size Guide D19 | Homejourney ">Unit Types & Size Guide.
FAQ: Landed Housing Development Financing
Q: What's the max loan for a S$4.5M landed home?
A: Up to 75% (S$3.375M) if TDSR compliant; use Homejourney calculator.
Q: Can expats finance D19 landed properties?
A: Yes, 75% LTV max, but 60% ABSD applies. PRs pay 5% first property.
Q: How does CPF work for downpayment?
A: Up to 20% of purchase price from OA; accrued interest applies.
Q: Are renovation loans available post-purchase?
A: Yes, personal/home equity up to S$100K+ for A&A compliant works.
Q: Best rates for 2026?
A: SORA floating ~2.5-3.5%; compare via Bank Rates .
Ready to finance your Landed Housing Development home loan? View all units for sale and start securely with Homejourney—your trusted partner for verified D19 properties, financing, and beyond. Post-purchase, explore Aircon Services for maintenance.
