Landed Housing Development Home Loan and Financing Guide
Securing a home loan for Landed Housing Development on Jalan Rama Rama in District 12 requires understanding Singapore's strict lending rules like LTV caps at 75% for first-time buyers and TDSR at 55% of gross income.
Homejourney verifies all financing details to ensure you make safe, informed decisions on these prime Toa Payoh-Balestier landed properties.
Property Overview: Landed Housing Development in D12
Landed Housing Development offers exclusive landed homes along Jalan Rama Rama, blending District 12's prestige with Toa Payoh and Balestier convenience. Buyers appreciate the spacious layouts, privacy, and proximity to Balestier Market for fresh produce.
These properties hold strong market value in 2026, with recent URA transactions showing steady demand for D12 landed homes. As a trusted platform, Homejourney prioritizes verified listings to build your confidence.
See detailed price trends and transaction history.
Available Units for Sale at Landed Housing Development
Current listings feature semi-detached and terrace units, typically 3-5 bedrooms ranging from 3,500 to 6,000 sqft. Price expectations sit at S$4.5M to S$8M (S$1,200-$1,500 psf), with 4-bedroom terraces most popular among families.
Limited units available—view them now for the best selection. Homejourney's verified Landed Housing Development for sale listings ensure transparency.
View all units for sale at Landed Housing Development.
Why Buy at Landed Housing Development
- Privacy and Space: True landed living with private gardens, ideal for families in bustling D12.
- Lifestyle Perks: Walk to Balestier cafes and Toa Payoh amenities for daily ease.
- Investment Edge: Strong appreciation potential in this maturing estate.
Unique features like expansive backyards set it apart. Read more in our Landed Housing Development Unit Types & Size Guide D12 | Homejourney ">Landed Housing Development Unit Types & Size Guide.
Location Advantages in Toa Payoh and Balestier
Just 8 minutes' walk (650m) from Toa Payoh MRT (Exit B), connectivity is seamless to Orchard Road (10 mins) and CBD (15 mins). Nearby schools include CHIJ Our Lady of Good Counsel (Primary, 1km) and BEPS International (walking distance).
Balestier Road offers shopping at Zhongshan Mall and parks like Toa Payoh Town Park. D12's vibe suits upgraders and investors seeking D12 properties.
Explore amenities via Landed Housing Development D12: Price Trends & Units for Sale | Homejourney ">Landed Housing Development D12 Price Trends.
Price Analysis for Landed Housing Development Buyers
In 2026, psf averages S$1,350, up 5% YoY per URA data, outperforming nearby Toa Payoh condos at S$1,800 psf for smaller units. Historical appreciation: 25% over 5 years, driven by limited supply.
Value assessment: Excellent for long-term holds. Disclaimer: Prices fluctuate; consult Homejourney for latest verified data.
Check project analysis.
Financing Guide: Home Loans for Landed Housing Development
For landed properties like these, banks offer up to 75% LTV for first-time Singaporean buyers (25% downpayment, min 5% cash), dropping to 45% for second properties.[1][5] Foreigners face 75% LTV max but 60% ABSD unless exempt.[1]
TDSR caps repayments at 55% of income; MSR at 30% for housing.[1][7] Loan tenures up to 35 years, age-capped at 65.[1] Self-employed income gets 30% haircut.[1]
| Unit Price | Loan Amt (75% LTV) | Est. Monthly (2.5%, 30yrs) |
|---|---|---|
| S$5M | S$3.75M | S$14,800 |
| S$7M | S$5.25M | S$20,700 |
CPF usable for citizens/PRs; grants like EHG up to S$120K for first-timers.[1] Use Homejourney's tools for precision.
Check your buying power with our mortgage calculator. Link to Bank Rates ">latest bank rates.
Step-by-Step Buying Process
- Get IPA: Apply at banks for borrowing power (1-3 days).[1]
- Search Units: Browse verified listings on Homejourney.
- Exercise Option: Pay 1% fee for OTP.
- Financing: Finalize loan; pay downpayment (5-25% cash).
- Complete: 8-12 weeks; stamps and keys.
Required docs: Payslips, CPF statements, tax returns.[1] Homejourney guides you safely.
Investment Potential for Landed Housing Development
Rental yields ~3-4% (S$10K-15K/month for 4BR). Tenant demand high from expats near Toa Payoh MRT. Capital growth outlook strong with D12 infrastructure boosts.
Compare via Projects Directory ">projects directory.
FAQ: Landed Housing Development Financing
What’s the minimum downpayment for a first-time buyer?
S$5M unit: 5% cash (S$250K) + rest CPF/loan, up to 75% LTV.[5]
Does ABSD apply to foreigners buying here?
Yes, 60% on landed; check exemptions.[1]
Can I use CPF for landed homes?
Yes, for Singaporeans/PRs after meeting housing rules.[1]
How does TDSR affect my loan?
Repayments ≤55% gross income.[7]
What's the loan tenure max?
Up to 35 years, age-adjusted.[1]
Homejourney ensures trustworthy advice. Schedule a viewing with a property agent or browse available units. Discover more in our Landed Housing Development District 12: Properties & Units for Sale | Homejourne... ">District 12 guide. Post-purchase, check Aircon Services ">aircon services for maintenance.
