GEM RESIDENCES

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Balestier / Toa Payoh (D12)CondoTOP: 2020

Key facts

Property typeCondo
Tenure99-year Leasehold
TOP2020
Total units578
DeveloperGem Homes Pte Ltd
Maintenance feeConfirm with MCST

Affordability

Est. stress-tested repayment

S$3,747 /mo

Loan amountS$784,890 (75%)
Stress rate4.00%
Loan tenure30 years
See financing eligibility

MRT & Schools(within 1km)

MNS19 Toa Payoh MRT Station
Nearby
MBRADDELL MRT STATION
Nearby
SBEATTY SECONDARY SCHOOL
0.6 km
SKHENG CHENG SCHOOL
0.8 km
View all nearby

Financing eligibility

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

Check eligibility

Maximum loan amount

S$784,890

Based on 75% LTV and valuation

Income needed (TDSR 55%)

S$6,800 /month

S$3,747 estimated instalment

Your affordability range

S$890,000

Buyer value

S$1,288,888

Recommended

S$1,390,000

Comfortable

Buyer stamp duty

S$36,155

Legal fees (est.)

S$3,500

Total cash needed

S$543,653

Kai insight

Based on this price, the Singpass-style estimate needs about S$6,800 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

Configuration2 bed / 1 bath
Floor area570 sqft
LayoutRequest from agent

Price trend

Jun 2024S$/psfDec 2025
Listing psfS$2,261 psf
Project avg psfS$1,836 psf
Market sample167 records

Transactions

Dec 202511-15S$1,960,000(2,093 psf)
Dec 202531-35S$2,020,000(2,157 psf)
Dec 202531-35S$2,350,000(2,228 psf)
Dec 202531-35S$1,115,000(1,954 psf)
Dec 202501-05S$2,718,888(2,070 psf)
Nov 202511-15S$1,928,000(2,035 psf)
Recent sale records167
Recent rental records1000
Tenure / TOP99-year Leasehold / 2020
Gem Residences Condominium For Sale at $1,288,888 | Homejourney