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$4,474 /mo

Loan amountS$937,166 (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$937,166

Based on 75% LTV and valuation

Income needed (TDSR 55%)

S$8,100 /month

S$4,474 estimated instalment

Your affordability range

S$1,060,000

Buyer value

S$1,400,000

Recommended

S$1,510,000

Comfortable

Buyer stamp duty

S$40,600

Legal fees (est.)

S$3,500

Total cash needed

S$506,934

Kai insight

Based on this price, the Singpass-style estimate needs about S$8,100 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 area678 sqft
LayoutRequest from agent

Price trend

Mar 2026

S$2,167/psf

Sept '24Jun '25Mar '26
Listing psfS$2,065 psf
Project avg psfS$1,843 psf
Market sample56 records

Transactions

Mar 2026Sale recordS$2,505,000(2,167 psf)
Feb 2026Sale recordS$897,666.667(1,940.333 psf)
Jan 2026Sale recordS$1,555,000(2,006 psf)
Dec 2025Sale recordS$1,993,981.333(2,067 psf)
Nov 2025Sale recordS$1,928,000(2,035 psf)
Oct 2025Sale recordS$1,587,266.667(1,990 psf)
Recent sale records56
Recent rental records1000
Tenure / TOP99-year Leasehold / 2020
Gem Residences Condominium For Sale at $1,400,000 | Homejourney