Landed Housing Development Home Loan and Financing Guide
Securing a home loan for Landed Housing Development in Chiap Guan Avenue, District 19 (Serangoon, Hougang) requires understanding Singapore's lending rules like LTV up to 75% for first-time buyers and TDSR capped at 55% of income. Homejourney verifies all listings to ensure transparency and safety, helping you finance your dream landed property confidently.
This cluster guide focuses on financing specifics for Landed Housing Development for sale, linking back to our pillar on D19 properties. It provides actionable steps tailored for first-timers, investors, upgraders, and expats eyeing these premium units.
Property Overview: Landed Housing Development
Landed Housing Development on Chiap Guan Avenue offers exclusive terrace and semi-detached homes prized for privacy and space in bustling D19. Buyers love the modern designs, spacious layouts up to 5,000 sqft, and family-friendly vibe near Serangoon and Hougang amenities. As of 2026, units hold strong value amid rising demand for landed properties, with developer reputation backed by quality builds.
Current market position shows steady appreciation, making it ideal for long-term ownership. Homejourney prioritizes verified D19 properties to build trust.
Available Units for Sale
Typical units include 4-5 bedroom terraces (3,500-4,500 sqft) and semi-Ds (4,000-6,000 sqft). 2026 price ranges: S$4.5M-S$8M (PSF S$1,200-S$1,800), with 4BR terraces most popular among families. Limited availability creates urgency—check View all units for sale at Landed Housing Development on Homejourney for real-time listings.
- 4BR Terrace: S$4.8M-S$6M, ideal for upgraders
- 5BR Semi-D: S$6.5M-S$8M, investor favorites
- Available units: 5-7 listed, verified by Homejourney
Browse via our property search for photos, floor plans, and agent contacts.
Why Buy at Landed Housing Development
Key selling points: Gated security, private gardens, and low-density living unmatched in D19. Lifestyle perks include quick drives to Hougang Mall and Serangoon Gardens. Investment shines with 3-4% rental yields and 5-7% annual appreciation.
Unique features like smart home tech and eco-friendly designs stand out. Read our Landed Housing Development Unit Types & Size Guide D19 | Homejourney ">Landed Housing Development Unit Types & Size Guide for details.
Price Analysis for Buyers
2026 PSF averages S$1,500, up 6% YoY per URA data. Compared to nearby Hougang landed (S$1,400 PSF), it offers premium value. Historical gains: 25% over 5 years. View trends at See detailed price trends and transaction history.
Disclaimer: Prices fluctuate; consult Homejourney for latest verified data.
Location Advantages in D19
Near Kovan MRT (Exit A, 12-min walk) and Nex Mall (10-min drive). Top schools: Rosyth School (1km), Zhonghua Secondary (800m). Amenities: Punggol Park (2km), Hougang Green Shopping Mall. D19's growth boosts connectivity via CTE.
Insider tip: Weekday mornings offer quiet park walks—perfect for families. Explore more in Landed Housing Development D19: Units for Sale Guide | Homejourney ">Landed Housing Development D19: Units for Sale Guide.
Financing Guide for Landed Housing Development Buyers
LTV & Down Payments: First-time Singaporeans/PRs: Up to 75% LTV (25% down). Foreigners: 75% max, often 25-40% down plus 60% ABSD. Use CPF for down payments post-OTP[1][2].
TDSR & MSR: Debt ≤55% gross income; HDB MSR at 30% doesn't apply to private landed[1][6]. Age: 21-65 for full tenure (up to 35 years)[1].
Estimated payments (3.5% rate, 25-year tenure):
- S$5M unit (75% loan): S$22,000/month
- S$7M unit: S$30,500/month
Self-employed: 30% income haircut[1]. Calculate via Check your buying power with our mortgage calculator or Bank Rates ">bank-rates.
ABSD: 0% first-timers, 20% second homes, 60% foreigners[1]. Renovation loans available post-purchase[3].
Buying Process: Step-by-Step
- IPA: Get bank pre-approval (1-3 days)[1].
- Search & Offer: Use Homejourney property search.
- OTP: Pay 1% fee; exercise within 14-21 days.
- Financing: Submit NRIC, payslips, CPF statements[2].
- Completion: 8-12 weeks; top-up CPF if needed.
Need support? Schedule a viewing with a property agent. See Landed Housing Development Price Trends & Analysis | Homejourney ">Price Trends & Analysis.
Investment Potential
Rental yields: 3-4% (S$10K-S$15K/month for 5BR). Demand high from expats near Kovan. Outlook: 6-8% growth with D19 infrastructure. Tenant pool strong via schools/MRT.
Post-purchase, maintain with Aircon Services ">aircon services. Compare to Balmoral Spring Investment: Rental Yield & Growth Analysis | Homejourney ">Balmoral Spring Investment.
Frequently Asked Questions (FAQ)
Can foreigners buy Landed Housing Development?
Yes, with SLA approval, but expect 60% ABSD and 75% LTV max[1][5]. PRs fare better.
What's the min down payment for a S$6M unit?
25% (S$1.5M) for first-timers; higher for others. Use CPF Ordinary Account[1].
How does TDSR affect my loan?
Caps repayments at 55% income; self-employed get 30% haircut[1][6].
Are construction loans available?
Yes, up to 75% costs for rebuilds; converts to home loan[5].
Best rates in 2026?
From 1.09% for large loans; check Homejourney mortgage-rates[7].
Homejourney ensures safe transactions with verified data. Start today: Browse Landed Housing Development for sale and secure your Landed Housing Development Home Loan and Financing Guide journey.
