THE LUMOS

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Orchard / River Valley (D09)CondoTOP: 2011

Key facts

Property typeCondo
TenureFreehold
TOP2011
Total units53
DeveloperBuildhome Pte Ltd
Maintenance feeConfirm with MCST

Affordability

Est. stress-tested repayment

S$9,879 /mo

Loan amountS$2,069,172 (75%)
Stress rate4.00%
Loan tenure30 years
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Financing eligibility

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

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Maximum loan amount

S$2,069,172

Based on 75% LTV and valuation

Income needed (TDSR 55%)

S$18,000 /month

S$9,879 estimated instalment

Your affordability range

S$2,350,000

Buyer value

S$3,424,000

Recommended

S$3,700,000

Comfortable

Buyer stamp duty

S$145,040

Legal fees (est.)

S$3,500

Total cash needed

S$1,503,368

Kai insight

Based on this price, the Singpass-style estimate needs about S$18,000 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 / 2 bath
Floor area1,173 sqft
LayoutRequest from agent

Price trend

Sept 2024

S$2,799/psf

Oct '21May '22Sept '24
Listing psfS$2,919 psf
Project avg psfS$2,352 psf
Market sample7 records

Transactions

Sept 2024Sale recordS$9,039,360(2,799 psf)
Apr 2024Sale recordS$5,700,000(2,343 psf)
Aug 2022Sale recordS$3,841,958.333(2,383.667 psf)
May 2022Sale recordS$12,500,000(2,108 psf)
Mar 2022Sale recordS$3,911,420(2,229 psf)
Dec 2021Sale recordS$5,133,333.333(2,330 psf)
Recent sale records7
Recent rental records88
Tenure / TOPFreehold / 2011