The Stellar Home Loan and Financing Guide

The Stellar Home Loan and Financing Guide equips Singapore property buyers with essential steps to secure funding for units at The Stellar, a prime D05 condo on West Coast Road. This cluster article, part of Homejourney's comprehensive property financing resources, provides tactical advice tailored to first-time buyers, investors, and upgraders eyeing The Stellar for sale.

Property Overview: Why Finance The Stellar?

The Stellar stands out in Pasir Panjang and Clementi as a desirable Singapore condo for sale in District 05, offering modern units with strong lifestyle appeal. Buyers love its proximity to MRT stations and amenities, making it ideal for families and investors. Current market values position it competitively, with developer-backed quality ensuring long-term value. Homejourney verifies all listings for transparency, prioritizing your safety in every transaction.

Key Stats (2026): Expect 2-4 bedroom units from S$1.8M-S$4M, with PSF around S$2,200-S$2,800 based on recent URA data trends. See detailed price trends and transaction history on Homejourney.

Available Units for Sale at The Stellar

Typical units include 2BR (800-1,000 sqft), 3BR (1,200-1,500 sqft), and rare 4BR/penthouses. Most popular are 3BR layouts for families, with available units starting at S$2.2M. Price ranges reflect D05 premiums, offering solid property investment potential.

2BR: S$1.8M-S$2.3M (PSF: S$2,200+)
3BR: S$2.5M-S$3.5M (PSF: S$2,400+)
4BR/Penthouse: S$3.8M+ (Limited stock)

Browse real-time The Stellar for sale listings on Homejourney. View all units for sale at The Stellar.

Why Buy at The Stellar: Financing Perspective

Buy condo here for unmatched D05 perks: sea views, resort-style facilities, and tenant demand. Lifestyle benefits include easy access to malls and parks, boosting rental yields to 3-4%. Unique features like infinity pools and gyms enhance appeal for upgraders and expats. Homejourney's verified data helps you assess true value safely.

Read more in our The Stellar Unit Types & Size Guide for Buyers | Homejourney ">The Stellar Unit Types & Size Guide and The Stellar Price Trends & Market Analysis | Homejourney ">Price Trends Analysis.

Price Analysis for The Stellar Buyers

In 2026, The Stellar PSF holds steady at S$2,400-S$2,700, outperforming nearby D05 peers by 5-10% due to location. Historical appreciation averages 4-6% annually per URA records, signaling strong growth. Compare to Pasir Panjang averages for value confirmation—units here offer premium without excess.

Disclaimer: Prices are estimates; actuals vary. Check Homejourney for latest verified transactions to make confident decisions.

Location Advantages Boosting Investment

The Stellar's West Coast Road spot shines with MRT connectivity: Pasir Panjang MRT (5-min walk), Clementi MRT (10-min drive). Top schools like Pasir Panjang Primary (800m) and international options nearby attract families. Shop at VivoCity (2km) or West Coast Plaza; enjoy Kent Ridge Park for recreation. D05's growth via Greater Southern Waterfront adds upside.

Financing Guide: Tailored for The Stellar

Secure loans with Singapore's 2026 rates: fixed from 1.8% (DBS/OCBC), floating SORA-linked at 1.35%+ for S$500k+ loans[2][6]. HDB loans at 2.6% suit stability, but private condos like The Stellar favor banks for flexibility[3].

Down Payment & ABSD Breakdown

Expect 25% downpayment: 5% cash minimum, rest CPF/cash[1]. First-time Singaporean buyers: No ABSD. Second property: 20% ABSD. Expats: 60% (or 30% with LTV)[5]. Use CPF Ordinary Account freely for housing.

S$2.5M 3BR: Downpayment S$625k (S$125k cash min)
ABSD for investors: Add S$500k

Check your buying power with our mortgage calculator.

Monthly Payment Estimates (30-Year Tenure)

Unit Price	Loan (75%)	Fixed 1.8%	Floating SORA 1.5%
S$2.2M (2BR)	S$1.65M	S$6,900	S$6,500
S$3M (3BR)	S$2.25M	S$9,400	S$8,900
S$4M (4BR)	S$3M	S$12,500	S$11,800

Figures comply with TDSR (60% income) and MSR rules[8][9]. Longer tenures (up to 35 years) lower payments but raise total interest[4].

Step-by-Step Buying Process for The Stellar

Get IPA: Pre-approve loan amount via bank (1-3 days)[5].
Search Units: Use Homejourney's verified D05 properties listings.
Offer & Option Fee: 1% of price; exercise within 14-21 days.
Bank Valuation & Formal Loan: Submit docs (income proof, IPA).
Legal Completion: 8-12 weeks; pay stamp duties.

Need support? Schedule a viewing with a property agent via Homejourney for safe, guided tours.

Investment Potential at The Stellar

Rental yields hit 3.5-4.2% (S$6-10psf/month), driven by expat demand near business hubs. Capital growth outlook: 5%+ annually with waterfront redevelopment. Tenant pool strong from nearby offices and schools. Post-purchase, maintain value with Aircon Services ">aircon services.

Compare nearby: See Comfort Garden Investment: Rental Yield & Growth Analysis | Homejourney ">Comfort Garden Investment Analysis.

FAQ: The Stellar Home Loan and Financing Guide

Q: What's the minimum downpayment for The Stellar units?
A: 25% total, with 5% cash. Use CPF for the balance on bank loans[1].

Q: Fixed or floating rates for D05 condos in 2026?
A: Fixed (1.8%+) for stability; floating (SORA 1.35%+) for potential savings[2][6]. Use Homejourney's tool to compare.

Q: ABSD for investors buying The Stellar?
A: 20% on second property; 60% for foreigners. First-timers exempt[5].

Q: How much monthly for a S$3M unit?
A: ~S$9,000 at 1.8% fixed (75% LTV, 30 years), subject to TDSR[8].

Q: Best loan tenure for Pasir Panjang properties?
A: 25-30 years balances payments and interest; max 35 years per MAS[4][9].

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