Two MAS rules decide the size of the loan on a home at One Leonie Residences: the loan-to-value (LTV) limit, which caps the loan against the price, and the Total Debt Servicing Ratio (TDSR), which caps all monthly debt repayments against income. The figures below were in force on 13 October 2026.
One Leonie Residences Loan-to-Value Limits
The limit depends on how many housing loans the borrower already has. Each tier has a standard limit, a lower limit and a minimum share of the price that must be paid in cash.
| Outstanding housing loans | Standard LTV | Lower LTV | Minimum cash |
|---|---|---|---|
| None | 75% | 55% | 5% (10% in the lower band) |
| One | 45% | 25% | 25% |
| Two or more | 35% | 15% | 25% |
Source: MAS, checked 13 October 2026. Limits can change; confirm with MAS or your bank before signing.
When the Lower Band Applies at One Leonie Residences
A loan moves to the lower band if either of these is true:
- the tenure is longer than 30 years; or
- the loan would run past the borrower’s 65th birthday, using the income-weighted average age where two people borrow together.
So a 30-year-old taking a 35-year loan finishes at 65 but exceeds 30 years of tenure, and the lower band applies; a 45-year-old taking a 25-year loan stays within 30 years but finishes at 70, and it applies too. Loans on private property run for up to 35 years.
Over 30 years, or past age 65.
The loan limit falls to 55%, 25% or 15%, and the minimum cash on a first loan rises to 10%.
The TDSR Test for One Leonie Residences Buyers
All monthly debt repayments, the new loan included, must stay within 55% of gross monthly income. The new loan is tested at a medium-term rate rather than the bank’s offered rate, so that the borrower can absorb a rise in interest rates.
| Rule | As at October 2026 |
|---|---|
| TDSR limit | 55% of gross monthly income |
| Interest rate used for the test | 4%, or the loan’s own rate if higher |
| Variable and rental income | Counted at 70%, after a 30% haircut |
| Longest tenure, private property | 35 years |
| Joint borrowers | Income-weighted average age |
Source: MAS, checked 13 October 2026. Limits can change; confirm with MAS or your bank before signing.
Fixed salary counts in full. Minimum credit card payments, car loans and other property loans are deducted first, and what remains is turned into a loan amount. The One Leonie Residences TDSR calculator applies these rules for one or two borrowers.
In-Principle Approval for a One Leonie Residences Purchase
Many buyers obtain a bank’s in-principle approval before the preview. It states the amount the bank is prepared to lend on the details given, subject to final approval and a valuation, and gives a firm figure for planning the stamp duty, the booking fee and the cash share. Each bank sets its own terms and validity period.
Once the buyer’s own share is paid, the loan is drawn stage by stage under the payment scheme, and the progressive payment calculator shows the split at each stage.
Register for the One Leonie Residences Preview
Registration places you on the private preview list for One Leonie Residences. The Sales Concierge sends each release as Far East Organization issues it and arranges a private viewing when the preview opens.
What registrants receive first
- The e-brochure and the full project details on release.
- The floor plans of the four- to six-bedroom residences and the duplex penthouse.
- The price list and the balance units chart by level.
- An invitation to a private preview appointment when viewings open.
Freehold. 25 residences. 1 Leonie Hill.
Four- to six-bedroom homes and a duplex penthouse by Far East Organization.
Register Your Interest
No obligation. The Sales Concierge responds personally to every enquiry.
To talk it through instead, call +65 6200 6220 or send a WhatsApp message to the same number.