Financial Evaluation for Successful Purchases

Financial Planning

To talk about financial evaluation, there are a few criteria and individual circumstances we factor into determining your budget for future purchases.


Your assets are the overall worth of what you have on hand or will have access to.

We assist you in assessing your budget by calculating the mortgage you need based on available CPF funds you can use, bank rates and policies, your current income, and so on.


The Total Debt Servicing Ratio (TDSR) is a framework to ensure accountability in home loans between people and banks. To sustain reasonable repayment within a borrower’s budget, TDSR limits monthly debt repayments to 60 percent of a borrower’s gross monthly income.

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Loan to value (LTV) is the loan a bank or a financial institution is willing offer in proportion to your property’s valuation. A majority of homebuyers look to secure a LTV ratio of 80%, whereas property investors prefer a 50-60% ratio to profit from ROIs.

Certain cooling policies by the government at indefinite periods may clash with previous LTV eligibility criteria. We are here to provide clarifications and recommendations on how to obtain and analyse the best LTV ratio for you.


With the rise and fall of the property markets in Singapore, the prices and value of properties are ever-changing.

In understanding the target locations and properties in Singapore, there are a lot of factors to consider.
With relevant knowledge in this subject matter fine-tuned to the newest updates, we are capable of evaluating the financial patterns of the property market for you, and keeping you abreast of each factor.

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