Holland Plain Financing & Home Loan Guide

Holland Plain financing analysis should connect a household budget to future Sim Lian evidence, not estimated site yield.

Decision notes

A private purchase requires coordinated review of borrowing, available funds and payments during construction.

No official price list, unit valuation, bank package or confirmed payment dates are stored.

Prepare a lender assessment, then update the model only with dated Sim Lian project particulars.

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.

Holland Plain Financing — FAQ

Is Holland Plain financing available from Sim Lian now?

No project-linked offer is recorded; buyers should compare lender terms when the property evidence exists.

Why keep the estimated 280 homes separate?

A planning yield says nothing about a household's purchase amount or borrowing approval.

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