Artist’s impressionTwo MAS rules decide how much a bank can lend on a home at The Collective at One Sophia: the loan-to-value (LTV) limit, measured against the price, and the Total Debt Servicing Ratio (TDSR), measured against income. The figures below applied on 15 October 2026.
The Collective at One Sophia Loan-to-Value Limits
The limit turns on how many housing loans the borrower already has. Each tier carries a standard limit, a lower limit and a minimum cash share of the price.
| 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 16 October 2026. Limits can change; confirm with MAS or your bank before signing.
When the Lower Band Applies at The Collective at One Sophia
The lower band applies when either test is met:
- the loan tenure is longer than 30 years; or
- the loan would run beyond the borrower’s 65th birthday, using the income-weighted average age where two people borrow together.
A 31-year-old choosing a 35-year loan would finish at 66 and also exceed 30 years, so the lower band applies; a 45-year-old on a 25-year loan stays within 30 years but finishes at 70, so it applies too. Loans on private homes can run for up to 35 years.
Beyond 30 years, or past age 65.
The loan limit drops to 55%, 25% or 15%, and minimum cash on a first loan rises to 10%.
The TDSR Test for The Collective at One Sophia Buyers
Every monthly debt repayment, the new loan included, must fit within 55% of gross monthly income. The new loan is tested at a medium-term interest rate rather than the bank’s quoted rate, so that a later rise in rates remains affordable.
| 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 16 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 are taken off first, and what is left is converted into a loan amount. The TDSR calculator for The Collective at One Sophia applies these rules for one or two borrowers.
In-Principle Approval Before The Collective at One Sophia Viewing
Many buyers obtain a bank’s in-principle approval before they view. It states how much the bank is willing to lend on the information given, subject to final approval and a valuation, and turns the stamp duty, booking fee and cash share into firm numbers. Each bank sets its own terms and validity period.
Once the buyer’s own share has been paid, the loan is drawn stage by stage under the payment scheme, and the progressive payment calculator shows the split at every stage.
Request The Collective at One Sophia Price List
The Collective at One Sophia is open for sale, and the Sales Concierge sends the current price list with the homes still available by stack. Showflat viewings are arranged by appointment through the Sales Concierge.
Sent on request
- The current price list with the available units by stack.
- The e-brochure and every floor plan, from 431 to 1,249 sq ft.
- The unit distribution chart, placing each home in Block 1A or 1B.
- A worked payment schedule and the stamp duty for your profile.
- A showflat appointment arranged around your diary.
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.