Bedok South Financing & Home Loan Guide

Financing a Bedok South purchase will depend on the final price, your income and the loan rules in force at launch.

What buyers should know

New private homes follow a progressive payment schedule, so the cash you need rises in stages as the building is completed.

The developer has not published a payment schedule or price for the New Upper Changi Road project, so no loan figure can be given yet.

Speak to your bank for your own limit, then send Davis Ng your budget so he can match it to Bedok South units when prices come out.

Financing mechanics

Loan-to-Value (LTV) — up to 75%. On a first housing loan a bank can finance up to 75% of the price or valuation. You provide the rest, with at least 5% in cash at booking.
TDSR — 55%. Your total monthly debt repayments (home loan, car, personal loans) must not exceed 55% of gross monthly income. Banks size the loan using a 4% medium-term stress rate.

Preparation sequence

Get an Approval-in-Principle (AIP/IPA) from a bank so you know your budget before launch day.
Pay the 5% booking fee on the Option to Purchase, then exercise the Option and pay the balance down-payment.
Loan disburses progressively as construction hits each milestone — your instalments step up over time.

Estimate your numbers with the mortgage calculator and the progressive payment calculator, then see the full payment schedule and stamp duty due.

This is general information, not financial advice. Loan eligibility, rates and rules are set by the banks and MAS and can change — confirm current figures with a licensed mortgage banker.

Bedok South Financing — FAQ

How much will I need to pay upfront for Bedok South?

This depends on the final price; a typical new-launch buyer pays a booking fee and then a deposit within weeks of signing.

Should I get a loan approval before the Bedok South launch?

Many buyers ask their bank for an in-principle approval first, so they can move quickly on launch day.

Get a Tailored Bedok South Loan Assessment

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