Artist’s impressionLoan Limits at The Robertson Opus in Brief
Two MAS rules decide how large a bank loan can be for a home at The Robertson Opus. The loan-to-value limit, or LTV, measures the loan against the purchase price, while the Total Debt Servicing Ratio, or TDSR, measures the monthly repayments against the borrower’s income; whichever produces the smaller loan becomes the ceiling. The figures in this article were in force as at October 2026.
A borrower with no other housing loan outstanding starts from a standard LTV of 75%, and a loan on private property may stretch to 35 years.
A tenure beyond 30 years, however, moves the loan into the lower band, so the length of the loan and the age of the borrower also shape the limit.
Loan-to-Value Tiers at The Robertson Opus
The limit tightens with every housing loan the borrower already carries. For each tier, MAS sets a standard figure, a lower figure, and the smallest part of the price that has to be met 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 20 October 2026. Limits can change; confirm with MAS or your bank before signing.
With no other loan, the buyer’s own 25% must include at least 5% in cash, and the balance may be drawn from CPF Ordinary Account savings within CPF limits. A borrower already servicing one or two housing loans is held to 45% or 35% respectively, and must put down at least 25% in cash.
When the Lower Band Applies at The Robertson Opus
A loan drops into the lower band on either of two triggers. One is a tenure of more than 30 years. The other is a loan that would outlast the borrower’s 65th birthday; for joint borrowers, the age used is their income-weighted average.
Two examples show how this works. At 32, a borrower choosing a 35-year term trips both triggers, since the tenure is over 30 years and the last repayment falls at 67. At 46, a 22-year term is comfortably under 30 years, yet it would end at 68, so the lower band still applies. Once there, a borrower with no other loan is capped at 55% and needs at least 10% in cash.
The TDSR Test for Buyers at The Robertson Opus
Under the TDSR, everything the borrower repays each month, the proposed home loan included, may not exceed 55% of gross monthly income. Banks test the new loan not at today’s rate but at a medium-term rate, taken as either a 4% floor or the loan’s own thereafter rate, whichever is higher, to check that it remains manageable should rates climb.
| Rule | As at October 2026 |
|---|---|
| TDSR limit | 55% of gross monthly income |
| Interest rate used for the test | The higher of a 4% floor or the loan’s thereafter rate |
| 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 20 October 2026. Limits can change; confirm with MAS or your bank before signing.
In the income figure, a fixed salary counts at its full value. Existing commitments such as car loans, repayments on other property and the minimum due on credit cards are deducted from the 55% first, and the headroom left is converted into the largest loan it can support. The TDSR calculator runs this sum for a single borrower or a pair, taking the income-weighted average age in the joint case.
Loan Limits and the Payment Stages at The Robertson Opus
The LTV limit also fixes the moment the bank begins to pay. Borrowing 75%, the buyer meets the 5% booking fee and the 15% due at the sale and purchase agreement, 20% in all, then half of the 10% foundation instalment, the remaining 5%, from personal funds; every certified stage after that is paid by the bank.
In the lower band, with a 55% loan, the buyer’s own funds carry the payments to 45%, the point reached when the partition walls are complete, and at least 10% must be cash. The progressive payment calculator splits each stage between the buyer and the loan for the figures entered.
In-Principle Approval and the Loan at The Robertson Opus
Before viewing, many buyers first obtain an in-principle approval from a bank. It indicates the loan the bank is willing to offer on the details provided, still subject to formal approval and a valuation, and it lets the buyer pin down the stamp duty, the booking fee and the cash portion as firm figures. Terms, and how long the approval stays valid, differ from bank to bank.
Once the buyer’s own share is paid, the loan is drawn stage by stage under the progressive payment scheme, and interest is charged only on what has been drawn. The housing loan page sets out the rules in full, and the Sales Concierge sends the price list on request. Showflat viewings are arranged by appointment through the Sales Concierge.
General information as at the date shown, not financial, legal or tax advice. Particulars of The Robertson Opus come from the developer’s published particulars, brochure, plans and factsheet; statutory figures are those on this site’s financing pages, and distances are straight lines measured on OneMap. Sources: MAS loan-to-value and TDSR rules (checked 20 October 2026), as set out on this site’s housing loan page, payment scheme page and TDSR calculator.
Ask the Sales Concierge about The Robertson Opus
The Sales Concierge sends the price list on request, the homes still available and the e-brochure for The Robertson Opus. Showflat viewings are arranged by appointment through the Sales Concierge.