Financing a home at Duet @ Emily follows the Monetary Authority of Singapore’s rules for private residential property: the Total Debt Servicing Ratio caps the borrowing an income supports, and the Loan-to-Value limit caps the loan against the price. Figures below are as at 26 September 2026.
Duet @ Emily Loan-to-Value Limits
| Housing loans outstanding | LTV (tenure up to 30 yrs, to age 65) | LTV (longer tenure or past 65) | Minimum cash |
|---|---|---|---|
| None | 75% | 55% | 5% / 10% |
| One | 45% | 25% | 25% |
| Two or more | 35% | 15% | 25% |
Bank loans for private residential property. Maximum tenure 35 years. For a first loan the minimum cash is 5% at the 75% tier and 10% at the 55% tier. Confirm with MAS and your bank.
TDSR and the Stress Test for Duet @ Emily
| Key borrowing rules | |
| Total Debt Servicing Ratio | Up to 55% of gross monthly income for all monthly debt repayments |
| Medium-term interest rate floor | 4% a year for residential property |
| Variable income | Counted after a haircut of at least 30% |
| Maximum loan tenure | 35 years for private property |
| Co-borrowers and guarantors | Joint income counts; tenure follows the income-weighted average age |
Mortgage Servicing Ratio applies to HDB flats and executive condominiums; Duet @ Emily is private property.
Working Out a Duet @ Emily Loan
The compact sizes at Duet @ Emily — from 409 square feet for a one-bedroom — bring a freehold District 9 home within the reach of many single buyers and couples. The TDSR calculator estimates the maximum loan for single or joint applicants and compares it with the LTV ceiling. The progressive payment calculator turns the loan into a stage-by-stage schedule, and the Sales Concierge can point you to a bank for an In-Principle Approval.
Plan Your Duet @ Emily Purchase With the Sales Concierge
The Sales Concierge can walk through the numbers for a specific Duet @ Emily home — duty, payment stages and loan — and send the e-brochure and indicative pricing for available units. Registering is free, and with no obligation.
What registering sends you
- The Duet @ Emily e-brochure and the floor plans for all eleven types.
- Indicative pricing and the balance units chart.
- The payment schedule mapped to a chosen home.
- A private viewing appointment.
Register Your Interest
Prefer to speak to someone? Call +65 6200 6220, or message the same number on WhatsApp.