Non-landed Housing Development Home Loan and Financing Guide
Securing a home loan for Non-landed Housing Development condos in Upper Changi Road North, District 17, requires understanding Singapore's LTV limits, TDSR rules, and ABSD rates. This guide provides actionable steps for first-time buyers, investors, and expats to finance their purchase confidently through Homejourney's verified resources.
As a trusted platform prioritizing user safety and transparency, Homejourney verifies all listings and offers tools like mortgage calculators to help you make informed decisions on Non-landed Housing Development for sale.
Property Overview: Non-landed Housing Development in D17
Non-landed Housing Development is a prime condo project along Upper Changi Road North in Changi, Loyang (District 17), offering modern units ideal for families and investors. Buyers appreciate its serene location near Changi Airport and upcoming developments, with strong rental demand from expats. Current market values position it competitively, with developer-backed quality ensuring long-term value.
View all units for sale at Non-landed Housing Development via Homejourney's property search.
Available Units for Sale
Typical units include 2-bedroom (800-1,000 sq ft), 3-bedroom (1,100-1,400 sq ft), and 4-bedroom (1,500+ sq ft) layouts, with penthouses occasionally available. In 2026, expect price ranges of S$1,800-$2,500 psf, or S$1.5M-$3.5M absolute, based on URA trends. 3-bedroom units remain most popular for families.
- 2BR: S$1.5M-$2M (ideal for young couples)
- 3BR: S$2.2M-$2.8M (family favorite)
- 4BR: S$3M+ (investor picks)
Browse available units and Singapore condo for sale options on Homejourney. For detailed transaction history, check project analysis.
Why Buy at Non-landed Housing Development
This development stands out with resort-style facilities, including infinity pools and gyms, in a low-density setting. Lifestyle perks include quick access to Loyang's industrial hubs for professionals. Investment shines with steady appreciation in D17, driven by Changi expansions.
Read more in our Non-landed Housing Development Price Trends & Analysis | Homejourney ">Non-landed Housing Development Price Trends & Analysis and Non-landed Housing Development D17: Units for Sale Guide | Homejourney ">Units for Sale Guide.
Location Advantages in District 17
Just 10-min walk to Loyang MRT (CR Thomson-East Coast Line), with Expo MRT 15 mins by bus. Nearby schools: Loyang Primary (800m), Changi Coast Primary, and St. Anthony's Canossian (secondary). Shop at Loyang Point or Bedok Mall (5-10 mins drive). Enjoy East Coast Park for recreation, enhancing D17's appeal for Changi, Loyang living.
Price Analysis for Buyers
2026 psf averages S$2,100, up 8% YoY per URA data, outperforming nearby D17 condos by 5-10%. Historical appreciation: 25% over 5 years. Value is strong for buy condo seekers, with limited supply boosting potential. Disclaimer: Prices fluctuate; verify latest via Homejourney.
Financing Guide: Home Loans for Non-landed Housing Development
Singapore's MAS rules cap LTV at 75% for first private property loans (55% extended tenure), with 5-10% minimum cash downpayment[2][5]. TDSR limits repayments to 55% of income, stress-tested at 4% rates[2]. Singaporeans/PRs use CPF; foreigners pay full cash downpayment (no CPF)[1][2].
Estimated Monthly Payments (2026 Rates ~2.5-3.5%)
| Unit Type | Price | Loan (75% LTV) | Monthly (~30yr) |
|---|---|---|---|
| 2BR | S$1.8M | S$1.35M | S$5,800-S$6,500 |
| 3BR | S$2.5M | S$1.875M | S$8,000-S$9,000 |
| 4BR | S$3.2M | S$2.4M | S$10,300-S$11,500 |
Calculate your affordability with Homejourney's mortgage calculator or check Bank Rates ">bank rates.
ABSD Considerations
Singapore Citizens: 0% first property. PRs: 5%. Foreigners: 60% (exemptions for US citizens etc.)[1][6]. For second properties, rates rise (e.g., 17% SC second buy)[4]. Factor into budgets for D17 properties.
Buying Process: Step-by-Step
- Get IPA: Apply via banks for pre-approval (1-3 days).
- Exercise Option to Purchase: Pay 1% option fee.
- Secure Loan: Formal approval (2-4 weeks).
- Pay Stamp Duties: Buyer Stamp Duty + ABSD.
- Complete Sale: 8-12 weeks total; lawyer handles.
Documents: NRIC/passport, income proofs, credit reports. Seek agents via Homejourney agents for seamless support.
Investment Potential
Rental yields: 3.5-4.5% (S$6-10 psf/month), high expat demand near airport. Capital growth: 5-7% annually projected, boosted by Thomson-East Coast Line. Strong tenant pool in Loyang makes it top for property investment.
Explore unit types in Non-Landed Housing Unit Types & Size Guide: D17 Buyers | Homejourney ">Non-Landed Housing Unit Types & Size Guide.
FAQ
What is the max LTV for Non-landed Housing Development condos?
LTV is 75% for first-time buyers (no prior loans), dropping to 45% for second properties[2][5].
Can foreigners finance D17 condos?
Yes, up to 75% LTV with cash downpayment, but 60% ABSD applies[1][6].
How much downpayment for a S$2.5M unit?
25% (S$625K), minimum 5% cash (S$125K); rest cash/CPF for locals[2].
What's TDSR for home loans?
Capped at 55% of gross income, stress-tested at 4%[2].
Where to find available units?
Search on Homejourney for verified Changi listings.
Ready to buy? Schedule a viewing via Homejourney agents or use our mortgage tools. Homejourney ensures safe, transparent transactions—start your Non-landed Housing Development Home Loan and Financing Guide journey today. For maintenance tips post-purchase, see Aircon Services ">aircon services.
