Gem Residences

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3 Lorong 5 Toa Payoh, Singapore 319459

Key facts

Property typeCondo
Tenure99 Year Leasehold
TOP2019
Total units578
DeveloperGem Homes Pte Ltd
Maintenance feeConfirm with MCST

Affordability

Est. stress-tested repayment

S$7,595 /mo

Loan amountS$1,590,758 (75%)
Stress rate4.00%
Loan tenure30 years
See financing eligibility

MRT & Schools(within 1km)

NS18 BRADDELL MRT STATION
7 min walk
BRADDELL MRT STATION
Nearby
SBEATTY SECONDARY SCHOOL
0.6 km
SFIRST TOA PAYOH PRIMARY SCHOOL
0.8 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$1,590,758

Based on 75% LTV and valuation

Income needed (TDSR 55%)

S$13,800 /month

S$7,595 estimated instalment

Your affordability range

S$1,800,000

Buyer value

S$2,900,000

Recommended

S$3,130,000

Comfortable

Buyer stamp duty

S$114,600

Legal fees (est.)

S$3,500

Total cash needed

S$1,427,342

Eligibility insight

Based on this price, the Singpass-style estimate needs about S$13,800 monthly income before existing loan commitments.

Explore loan options

Estimate mirrors the Singpass/MyInfo calculator: NOA income, HDB loan instalments, MSR/TDSR, LTV, and a 4% stress rate. Final approval depends on verified buyer profile and lender assessment.

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Floor plan

Configuration3 bed / 3 bath
Floor area1,130 sqft
LayoutRequest from agent

Observed transactions

Price performance

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

Recorded transaction price

Based on 58 recent records

Transaction PSF

Aug 2026

S$1,997/psf

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

Listing psf

S$2,566 psf

Project avg psf

S$1,877 psf

Market sample

58 records

Transactions

Aug 2026Sale recordS$1,395,750(1,996.75 psf)
Jul 2026Sale recordS$1,418,333.333(2,091.667 psf)
Jun 2026Sale recordS$2,152,666.667(2,119 psf)
May 2026Sale recordS$894,000(1,977.5 psf)
Apr 2026Sale recordS$1,873,200(2,113 psf)
Mar 2026Sale recordS$1,972,222(2,074.75 psf)
Recent sale records58
Recent rental records1000
Tenure / TOP99 Year Leasehold / 2019