Artist’s impressionTwo MAS rules decide how much a bank can lend on a home at Zyon Grand: the loan-to-value (LTV) limit, set against the price, and the Total Debt Servicing Ratio (TDSR), set against income. The figures below were in force on 20 October 2026.
Zyon Grand 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 20 October 2026. Limits can change; confirm with MAS or your bank before signing.
When the Lower Band Applies at Zyon Grand
The lower limit applies if either of two tests is met:
- the loan tenure is more than 30 years; or
- the loan would run past the borrower’s 65th birthday, using the income-weighted average age when two people borrow together.
A 32-year-old taking a 35-year loan would finish at 67 and also pass 30 years, so the lower band applies; a 44-year-old on a 25-year loan keeps within 30 years but finishes at 69, so it applies as well. Loans on private homes can run for up to 35 years.
Past 30 years, or past age 65.
The limit drops to 55%, 25% or 15%, and the minimum cash on a first loan rises to 10%.
The TDSR Test for Zyon Grand Buyers
All monthly debt repayments, including the new loan, must fit within 55% of gross monthly income. The new loan is tested at a medium-term interest rate rather than the rate the bank quotes, so that a future rise in rates stays affordable.
| 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.
Fixed salary counts in full. Car loans, other property loans and minimum card repayments come off first, and what is left is turned into a loan amount. The TDSR calculator for Zyon Grand applies these rules for one or two borrowers.
In-Principle Approval Before a Zyon Grand Viewing
Many buyers get a bank’s in-principle approval before they view. It states how much the bank is prepared to lend on the information given, subject to final approval and a valuation, and turns the stamp duty, the booking fee and the cash share into firm numbers. Each bank sets its own terms and how long the approval lasts.
Once the buyer’s own share is paid, the loan is drawn stage by stage on the payment scheme, and the progressive payment calculator shows the split at every stage.
Request the Zyon Grand Price List
Sales of Zyon Grand are open, and the Sales Concierge sends the current price list with the homes that remain. Showflat viewings are arranged by appointment through the Sales Concierge.
Sent on request
- The current price list with the homes still available.
- The e-brochure and the floor plans you shortlist.
- A payment schedule and the stamp duty for your profile.
- A showflat appointment at a time that suits you.
Request the Price List
No obligation. The Sales Concierge responds personally to every enquiry.
Prefer to speak to someone? Call +65 6200 6220, or send a WhatsApp message to the same number.