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If you're looking to buy a new launch condo in Singapore, one of the most important questions you'll need to answer is: How much must I earn to afford a new launch in 2025? With rising property prices, stricter loan regulations, and a wide range of new launch Singapore projects hitting the market, understanding affordability is key.
This guide breaks down the estimated condo prices for new launch SG developments in 2025, the minimum salary needed, and the expected monthly mortgage payments.
For comparison, we will be using 3 bedroom prices as a benchmark across the new launches.
Note: This article is based on information currently available for new launches in 2025 and will be updated as more details are released.
New Launch Condos in 2025: What’s Available?
Here’s a look at some of the most anticipated new launch SG developments in 2025:
| New Launch 2025 | Location | Tenure | Estimated PSF | 3-Bedroom Size | Estimated Price |
|---|---|---|---|---|---|
| Parktown Residences | Tampines North | 99-year leasehold | $2,200 | 926 sqft | $2,037,200 |
| ELTA | Clementi | 99-year leasehold | $2,300 | 1,023 sqft | $2,352,900 |
| Arina East Residences | Tanjong Rhu | Freehold | $2,800 | 1,000 sqft | $2,800,000 |
| The Orie | Toa Payoh | 99-year leasehold | $2,700 | 950 sqft | $2,565,000 |
| Bagnall Haus | Upper East Coast | Freehold | $2,500 | 1,033 sqft | $2,750,000 |
| Aurea | Beach Road, Bugis | 99-year leasehold | $2,900 | 1,000 sqft | $2,900,000 |
| Bloomsbury Residences | One North | 99-year leasehold | $2,700* | 950 sqft* | $2,565,000* |
| Lentor Central Residences | Lentor | 99-year leasehold | $2,100* | 1,076 sqft* | $2,259,600* |
*Prices are estimates based on current market trends and may change upon official launch.
How Much Must I Earn to Afford a New Launch Condo in Singapore?
Singapore’s Total Debt Servicing Ratio (TDSR) caps your monthly loan repayments at 55% of your gross monthly income. This means your salary needs to be high enough to cover your new launch mortgage while keeping within the TDSR limit.
Assuming a 75% Loan-to-Value (LTV) ratio, 30-year loan tenure, and 3% interest rate, and no other debt obligations, here’s the estimated minimum gross monthly income required to afford each new launch condo:
| New Launch Condo 2025 | Loan Amount (75%) | Monthly Mortgage Payment (Based on 3% interest rate and 30 years loan tenure)* | Min Gross Monthly Household Income (Based on 4% stress test)* |
|---|---|---|---|
| Parktown Residences | $1,527,900 | $6,441 | $13,263 |
| ELTA | $1,764,675 | $7,439 | $15,318 |
| Arina East Residences | $2,100,000 | $8,853 | $18,229 |
| The Orie | $1,923,750 | $8,110 | $16,699 |
| Bagnall Haus | $2,062,500 | $8,695 | $17,903 |
| Aurea | $2,175,000 | $9,169 | $18,880 |
| Bloomsbury Residences | $1,923,750 | $8,110 | $16,699 |
| Lentor Central Residences | $1,694,700 | $7,144 | $14,710 |
*These figures assume a 3% interest rate and a 30-year loan tenure. Actual affordability may vary based on downpayment, loan terms, and individual financial situations. They were calculated using Mortgage Master’s Mortgage Calculator and Reverse Affordability Calculator.
Is a New Launch Condo in 2025 Affordable for You?
If you are planning to buy a new launch condo in 2025, it is essential to:
- Assess your affordability based on the total upfront costs and long-term mortgage repayments.
- Compare different new launch mortgage rates to secure the best financing deal.
- Understand the progressive payment scheme for new launches, which can ease cash flow management.
At Mortgage Master, we help homebuyers:
- Calculate the maximum home loan eligibility based on your income and assets.
- Compare new launch mortgage packages across different banks to secure the lowest rates.
- Guide you through the entire loan application process to give you a hassle free mortgage journey.
Get the Best Mortgage for a 2025 New Launch Today
Before committing to a new launch in 2025, make sure you secure the best home loan in principal approval to maximize affordability. Contact Mortgage Master today for a free consultation and let our mortgage brokers help you find the best financing for your dream home.
Disclaimer: This article is based on estimated pricing and financial calculations available at the time of writing. Prices, loan terms, and market conditions may change, and buyers are encouraged to seek professional mortgage advice before committing to a purchase. We will continue to update this article as more details on 2025 new launches become available.