A Gourmet Xchange unit is financed with cash and a bank loan. CPF savings cannot be used for an industrial purchase, and the loan-to-value is set by each bank rather than by a fixed MAS limit, so the structure depends on who is buying and how the unit will be used.
Loan-to-value for a Gourmet Xchange unit
| Situation | Indicative LTV |
|---|---|
| Owner-occupied by the purchasing business | up to ~90% |
| Investment, leased to a tenant | up to ~80% |
| Borrower with an existing housing loan | can fall to ~55% |
| Shorter remaining lease | reduced, with a shorter tenure |
Indicative bank practice, October 2026 — confirm with your bank and MAS.
Owner-occupiers are generally treated most favourably, because the bank is lending against a business that will occupy and maintain the premises. On a building under construction, the first 20% of the price is paid across the S&P period before the bank disburses anything; at 90% LTV the bank draws the excess at completion of the sale once the mortgage is in place. The purchase calculator shows both cases.
Buying Gourmet Xchange through a company
Many banks prefer to lend for a B2 industrial unit to a company rather than to an individual, and some lend only to companies. Buyers often set up or use an operating or investment-holding company for the purchase. A company is assessed on its own financial statements.
TDSR and loan tenure
| Total Debt Servicing Ratio | 55% of gross monthly income, for individual borrowers (including sole proprietors) |
| Company borrowers | Assessed on company financials; TDSR does not apply |
| Typical loan tenure | Up to 25–30 years, within the remaining lease |
| Gourmet Xchange lease | 33 years from 17 February 2025, to February 2058 |
| CPF | Cash and bank loan only |
Indicative — confirm with your bank and MAS before commitment.
Banks typically size the tenure of an industrial loan within the remaining lease, often leaving a buffer, so the 33-year lease from 2025 supports a full-length loan for a purchase made today. Mortgage duty, valuation and bank fees are separate; see the stamp duty and GST page and the payment scheme.
Receive the Gourmet Xchange brochure, price list and floor plans
Register once and the Sales Concierge sends the full Gourmet Xchange sales pack: the current price list, unit layouts for the type you are considering and the e-brochure, together with a sales gallery slot at a time that suits you.
What the Sales Concierge sends
- The current Gourmet Xchange price list, from $2.08m
- Unit key plans and typical layouts for Standard, Deluxe and Heritage Terrace units
- The official e-brochure as a PDF
- The balance units chart and a sales gallery appointment
Artist’s impression.
Register Your Interest
No obligation. The Sales Concierge responds personally to every enquiry.
Prefer to speak to someone? Call +65 6200 6220, or message the same number on WhatsApp.
