Gem Residences

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3 Lorong 5 Toa Payoh, Singapore 319459

Key facts

Property typeCondo
Tenure103 Year Leasehold
TOP2019
Total units578
DeveloperGem Homes Pte Ltd
Maintenance feeConfirm with MCST

Affordability

Est. stress-tested repayment

S$6,365 /mo

Loan amountS$1,333,139 (75%)
Stress rate4.00%
Loan tenure30 years
See financing eligibility

MRT & Schools

NS18 BRADDELL MRT STATION
7 min walk
TOA PAYOH MRT STATION
Nearby
SBEATTY SECONDARY SCHOOL
0.3 km
SFIRST TOA PAYOH PRIMARY SCHOOL
0.5 km
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4 portals

Financing eligibility

Loan fit based on this listing price and current Singapore purchase rules.

Check eligibility

Maximum loan amount

S$1,333,139

Based on 75% LTV and valuation

Income needed (TDSR 55%)

S$11,600 /month

S$6,365 estimated instalment

Your affordability range

S$1,510,000

Buyer value

S$2,200,000

Recommended

S$2,380,000

Comfortable

Buyer stamp duty

S$79,600

Legal fees (est.)

S$3,500

Total cash needed

S$949,961

Eligibility insight

Based on this price, this estimate needs about S$11,600 monthly income before existing loan commitments.

Explore loan options

Estimate works back from the listing price with MSR/TDSR limits, maximum LTV, and a 4% stress rate. Final approval depends on your verified income, existing loans, and lender assessment.

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Floor plan

Configuration3 bed / 2 bath
Floor area947 sqft
LayoutRequest from agent

Observed transactions

Price performance

Recent project transactions show how price per square foot is moving.

Recorded transaction price

Based on 184 recent records

Transaction PSF

Aug 2026

S$1,997/psf

Project avg S$1,877/psf
Feb '25Dec '25Aug '26

Listing psf

S$2,323 psf

Project avg psf

S$1,877 psf

Market sample

184 records

Transactions

13 Aug 20261 LORONG 5 TOA PAYOH #02-02Condominium · 678 sqft · Resale
S$1,285,000S$1,895 psf
13 Aug 20263 LORONG 5 TOA PAYOH #13-16Condominium · 947 sqft · Resale
S$2,068,000S$2,183 psf
12 Aug 20261 LORONG 5 TOA PAYOH #18-05Condominium · 570 sqft · Resale
S$1,150,000S$2,016 psf
7 Aug 20261 LORONG 5 TOA PAYOH #06-05Condominium · 570 sqft · Resale
S$1,080,000S$1,893 psf
30 Jul 20261 LORONG 5 TOA PAYOH #35-02Condominium · 678 sqft · Resale
S$1,435,000S$2,116 psf
27 Jul 20263 LORONG 5 TOA PAYOH #22-10Condominium · 678 sqft · Resale
S$1,360,000S$2,006 psf
Recorded sales797
Recent rental records1000
Tenure / TOP103 Year Leasehold / 2019