Artist’s impressionHow Much a Bank Can Lend at Zyon Grand
The amount a bank may lend on a home at Zyon Grand is governed by two MAS rules, and a loan must pass both. The loan-to-value (LTV) limit measures the loan against the price of the home; the Total Debt Servicing Ratio (TDSR) measures every monthly debt repayment against the borrower’s income.
All limits quoted here applied on 20 October 2026, which makes this answer correct as at October 2026. MAS can revise them, so check the current position with MAS or your bank before you sign.
Each calculator on this site starts from an illustrative figure that is not the price of any Zyon Grand home. Put in a figure of your own, or request the current price list from the Sales Concierge, to see the loan, the cash share and the duty for an actual home.
The Three LTV Tiers at Zyon Grand
Which LTV limit applies is decided by the number of housing loans the borrower is already servicing. For each tier, MAS sets a standard limit, a lower limit and the smallest part of the price the buyer has to pay 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.
A buyer with no housing loan outstanding can borrow up to the standard 75%, leaving 25% to fund personally; no less than 5% of the price has to be cash, and CPF Ordinary Account savings can cover the remainder within the CPF limits. With one housing loan already running, the ceiling drops to 45% and cash must make up at least 25% of the price. Two or more running loans bring the ceiling to 35%, with the same 25% cash minimum.
Age, Tenure and the Lower LTV Band at Zyon Grand
Two separate tests can push a loan into the lower band, and meeting either one is enough. The first is a tenure longer than 30 years; the second is a loan that would still be running after the borrower’s 65th birthday. For joint borrowers, the age used is the income-weighted average.
Take a borrower aged 32 who chooses a 35-year loan: the tenure is over 30 years and the loan ends at 67, so it is in the lower band on both counts. A borrower aged 44 on a 25-year loan stays under 30 years, yet the loan ends at 69, so the lower band applies here too. For private homes like those at Zyon Grand, the tenure can stretch to 35 years.
Once in the lower band, the three tiers fall to 55%, 25% and 15%, and a buyer taking a first loan must find at least 10% in cash. Choosing a shorter tenure, or borrowing with a younger co-borrower, may keep the loan in the standard band instead.
Passing the TDSR Test for a Zyon Grand Home
The TDSR adds the new loan’s repayment to every other monthly debt and requires the total to stay at or below 55% of gross monthly income. To allow for rates rising later, the bank does not test the new loan at its quoted rate; it uses a medium-term rate, which is the higher of a 4% floor and the loan’s thereafter rate.
| 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.
A fixed salary is taken at its full value. Repayments on car loans and other property loans, together with minimum card payments, are deducted first, and the headroom that remains is converted into a loan amount. The TDSR calculator for Zyon Grand follows these rules for a single borrower or a pair, applying the income-weighted average age to the age tests when two people borrow jointly.
Approval in Principle and Drawing the Loan at Zyon Grand
It helps to obtain a bank’s in-principle approval before viewing. The approval shows what the bank is willing to lend on the details supplied, still subject to final approval and a valuation, and it lets the stamp duty, booking fee and cash share be budgeted as real figures. Terms, and the period for which the approval stays valid, differ from bank to bank.
After the buyer’s own portion has gone in, the bank releases the loan one stage at a time as the towers go up, charging interest only on the sum released. The rules are set out in full on the housing loan page, the timing of each instalment on the payment scheme page, and the cash, CPF and loan split for every stage in the progressive payment calculator. Showflat viewings are arranged by appointment through the Sales Concierge.
General information as at the date shown; it is not financial, legal or tax advice. Particulars of Zyon Grand come from the developer’s e-brochure, plans and preliminary factsheet and CDL’s releases; statutory figures are those on this site’s financing pages, and distances are straight lines measured on OneMap. Sources: MAS rules checked on 20 October 2026, as set out on this site’s housing loan page, payment scheme page and TDSR calculator.
Ask the Sales Concierge about Zyon Grand
Ask the Sales Concierge for the Zyon Grand price list, the homes that remain and the e-brochure. Showflat viewings are arranged by appointment through the Sales Concierge.