Type

Units

Min Area

Price Range

4 BR

1625 sqft

S$850K

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$850K.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$170K on this acquisition.
Located 1 min (80 m) from BP7 Petir LRT Station.

Housing Grants & Financing

Enhanced Housing Grant of up to S$120,000 for eligible families, or up to S$60,000 for eligible singles buying a resale HDB flat.
Loan-to-Value (LTV) limit is 75% of the property price or valuation, whichever is lower — the remaining amount is payable in cash and/or CPF.
Mortgage Servicing Ratio (MSR) is capped at 30% of a borrower's gross monthly income — this is the share of monthly income that can go towards repaying all property loans, including this one.
Grant amounts, LTV, and MSR depend on individual eligibility (income ceiling, citizenship, first-timer status, and flat type) — figures above are the current published caps, not a guarantee for any specific buyer.

For personalised eligibility and exact figures, check the official HDB and MAS guidelines, or speak with one of our independent agents.

Price Trends & Rental Yield

Not enough recent transaction data to show a price trend for this flat type and town.

Interested in this property?

Send a quick enquiry our Singapore Property team will reach out within 24 hours.

107 Gangsa Road: Proximity Living Near Petir LRT Station

Located along Gangsa Road in the Petir neighbourhood, 107 Gangsa Road represents a compelling acquisition opportunity within Singapore's mature HDB market. This established residential development sits in one of the island's most convenient locations, positioned just 80 metres—approximately a one-minute walk—from Petir LRT Station on the Bukit Panjang Line. This exceptional proximity to rapid transit infrastructure has positioned the development as a preferred choice for both owner-occupiers seeking a straightforward commute and investors capitalising on high transport-driven demand.

The development offers a diverse portfolio of units tailored to different household compositions and lifestyle requirements. Flats range from more compact configurations to generous four-bedroom layouts, with floor areas spanning 1,625 square feet and beyond. This scale accommodates first-time buyers establishing their initial foothold in homeownership, upgraders transitioning to more spacious accommodation, and families requiring multiple bedrooms for elderly parents or growing children. The variety ensures broad market appeal across multiple demographic segments.

Pricing commences from S$850,000, reflecting the maturity of the development and its premium transport connectivity. For second-property buyers in Singapore, it is important to note that Additional Buyer's Stamp Duty of 20% applies to residential property acquisitions beyond the first home—a material cost that significantly impacts total acquisition expenses and must be factored into investment thesis calculations. The pricing positioning compares favourably to recently transacted units in comparable HDB estates within the same district, particularly when the LRT accessibility premium is considered.

Transport Connectivity and Urban Accessibility

The defining advantage of 107 Gangsa Road is its unparalleled access to public transport infrastructure. Petir LRT Station, located mere metres from the development, provides direct connectivity to Bukit Panjang's commercial and employment nodes, as well as seamless interchange opportunities throughout Singapore's wider transit network. This positioning eliminates the need for lengthy commutes via feeder services, thereby reducing journey times to central business districts, schools, and major employment zones across the island.

The station's strategic importance extends beyond convenience; it significantly enhances capital appreciation potential. HDB developments within close proximity to LRT stations consistently demonstrate stronger resale value growth compared to counterparts located at greater distances. This transport premium reflects sustained buyer demand from commuters prioritising journey time efficiency and personal time optimisation. For investors evaluating medium to long-term holding strategies, the LRT proximity serves as a fundamental value driver unlikely to be diminished by future supply.

Daily commute efficiency translates into measurable lifestyle benefits. Residents can reach Orchard Road's retail and employment precincts within 25 minutes, Marina Bay's financial sector within 30 minutes, and Changi Airport within approximately 45 minutes via direct rapid transit. This accessibility profile appeals particularly to working professionals, dual-income families, and young adults prioritising career advancement and time flexibility.

Investment and Ownership Suitability

The development serves distinct buyer archetypes with equal effectiveness. First-time purchasers benefit from the established infrastructure, proven community stability, and transparent HDB governance framework that characterises mature estates. The pricing structure and availability of multigenerational configurations make ownership attainable whilst simultaneously providing the foundation for long-term wealth accumulation through property appreciation.

Upgraders transitioning from compact two-bedroom units find in 107 Gangsa Road the spatial generosity required for growing families—additional bedrooms for children, study facilities for remote work, and entertaining spaces for social gatherings. The mature estate context provides proven social infrastructure including established childcare facilities, primary schools within walking distance, and community recreational amenities that reduce initial settlement friction.

For portfolio investors, the development presents a compelling rental yield opportunity. Current market rental rates for comparable units in this district position gross rental yields between 2.5% and 3.2% annually, depending on bedroom configuration and unit orientation. The proximity to Petir LRT Station creates a reliable tenant base comprising expatriate professionals, young working adults, and families relocating within Singapore. Rental demand remains consistent throughout economic cycles, as transport accessibility consistently outranks other factors in tenant selection criteria.

High-net-worth individuals seeking diversified property portfolios benefit from the administrative simplicity of HDB ownership and the mature liquidity profile of established estates. The development's location within a consolidated residential zone minimises exposure to large-scale redevelopment uncertainty, providing stable long-term asset appreciation without the speculative volatility associated with emerging estates or urban renewal precincts.

Financing and Capital Requirements

Prospective purchasers must carefully evaluate financing headroom within Singapore's Total Debt Servicing Ratio framework. For typical four-bedroom configurations priced around S$850,000 to S$950,000, loan amounts typically reach S$680,000 to S$760,000 under standard 80% financing arrangements. At prevailing mortgage rates, monthly instalments typically consume between 30% and 35% of household income for dual-income families earning S$8,000 to S$10,000 monthly—positioning most professional households comfortably within TDSR parameters.

Second-property purchasers must budget for Additional Buyer's Stamp Duty at 20% of the purchase price, a substantial cost that materially impacts total capital outlay. On a S$850,000 acquisition, ABSD liability reaches S$170,000, requiring significantly enhanced cash reserves beyond the standard 10% down payment requirement. Careful financial planning and consultation with mortgage advisors is essential to ensure acquisition feasibility without overextending personal balance sheets.

Investors should model rental income returns against financing costs to validate positive cash flow positions. With gross monthly rentals of S$2,200 to S$2,800 achievable for four-bedroom units, and typical mortgage payments in the S$2,800 to S$3,200 range, neutral or slightly negative monthly cash flow is common during early holding periods. However, accumulated equity growth through capital appreciation and principal repayment typically offsets modest annual shortfalls.

Market Positioning and District Trajectory

107 Gangsa Road operates within the broader Bukit Panjang constituency, an established residential district with mature infrastructure and demonstrated economic stability. Unlike emerging estates characterised by speculative land value volatility, this mature enclave offers predictable appreciation dynamics tied to transport premium persistence, demographic stability, and limited redevelopment uncertainty. The LRT network expansion completed in 2017 has already catalysed demand stabilisation, meaning headline growth rates have moderated from earlier years into more sustainable, realistic appreciation trajectories.

Nearby competing estates including units across other Bukit Panjang clusters demonstrate consistent pricing trajectories with the 107 Gangsa Road cohort. Recent transacted comparable units indicate price per square foot positioning of approximately S$520 to S$580, positioning the development competitively within its immediate district whilst commanding a modest premium relative to estates lacking equivalent LRT accessibility. This pricing premium is durable, reflecting genuine transport-driven value differentiation rather than speculative exuberance.

Future supply pipeline considerations suggest limited additional HDB new launches within the immediate Petir neighbourhood. District planning documents indicate residential intensification focus toward nearby Bukit Timah and Chestnut Road precincts rather than infill development within this consolidated estate area. This supply constraint paradoxically supports medium-term resale value resilience by limiting inventory growth and maintaining consistent buyer demand relative to available stock.

107 Gangsa Road ultimately represents a mature, transport-proximate HDB acquisition opportunity suitable for owner-occupiers seeking established community stability and first-class commute efficiency, upgraders requiring additional space without excessive premium pricing, and investors prioritising consistent rental demand and capital preservation over speculative appreciation. Its defining advantage—immediate LRT station access—remains the singular most reliable capital value driver within Singapore's property market landscape.

Frequently Asked Questions

What rental yield can an investor expect from purchasing a four-bedroom unit at 107 Gangsa Road?

Gross rental yields for four-bedroom units at 107 Gangsa Road typically range between 2.5% and 3.2% annually, depending on exact unit configuration, floor level, and market conditions at the time of rental listing. For a unit priced at S$850,000, this translates to annual gross rental income of S$21,250 to S$27,200, with monthly rents typically falling between S$2,200 and S$2,800 for comparable configurations in this district. The proximity to Petir LRT Station creates consistent tenant demand from working professionals and expatriate families who prioritise transport accessibility, ensuring reliable occupancy rates and minimal vacancy risk. However, investors must note that monthly mortgage payments often consume a significant portion of rental income in early holding years, requiring patience and capital reserves to weather any periods of below-expected rental performance or market softness.

How does the price per square foot at 107 Gangsa Road compare to other HDB transactions in the same district?

Recent transacted units within the broader Bukit Panjang district indicate price-per-square-foot positioning between S$520 and S$580, with 107 Gangsa Road commanding pricing within this range or marginally above, reflecting its premium LRT connectivity and established estate status. For context, a 1,625 sqft unit priced at S$850,000 equates to approximately S$523 per square foot, positioning it competitively within district norms whilst reflecting the transport premium justifiably attributable to 80-metre proximity to Petir LRT Station. Comparable estates located further from rapid transit stations (typically 800 metres to 1.2 kilometres distant) transact at 10-15% discount to this pricing, demonstrating that the LRT accessibility advantage is a measurable and durable value driver. Investors evaluating multiple acquisition options within Bukit Panjang should carefully map relative distances to MRT/LRT infrastructure, as this single variable typically explains 15-25% of price differentials between otherwise comparable units.

What is the Additional Buyer's Stamp Duty impact for a second-property buyer purchasing at 107 Gangsa Road?

Singapore Citizen second-property buyers incur Additional Buyer's Stamp Duty at a rate of 20% on the purchase price, a material cost that substantially increases total acquisition expenses. For a unit priced at S$850,000, ABSD liability reaches S$170,000, meaning total stamp duty obligations (including base Buyer's Stamp Duty and ABSD combined) exceed S$190,000. This cost must be paid upfront from personal funds and cannot be financed, significantly increasing capital requirements beyond the conventional 10% down payment expectation. For example, acquiring a S$850,000 unit would require approximately S$255,000 in immediate cash outlay (10% deposit plus S$170,000 ABSD plus other ancillary costs), rather than the S$85,000 deposit alone. This substantial cash barrier is a critical consideration for investors operating with limited liquidity, and failure to budget adequately can render acquisitions unfeasible despite excellent rental yield or appreciation potential. Second-property buyers should carefully evaluate whether the long-term capital appreciation and rental yield justify the upfront ABSD burden before committing to purchase.

What is the lease tenure at 107 Gangsa Road and how does lease decay affect long-term resale value?

107 Gangsa Road is an established HDB estate with 99-year lease tenure, representing the standard lease format for Singapore public housing. Being a mature estate, units have already experienced varying degrees of lease decay, with remaining lease periods depending on original acquisition date and subsequent ownership history. Units approaching the 60-year remaining lease milestone begin experiencing measurable resale value depreciation, as banks tighten lending criteria and buyer pools narrow substantially. However, the development's exceptional LRT proximity and established community infrastructure create support for valuations even as leases shorten, extending the useful holding period compared to estates lacking equivalent transport advantages. For investors with 15-20 year holding horizons, lease decay presents manageable risk provided resale occurs before the remaining lease falls below 70 years. The HDB's lease extension policies and long-term urban renewal roadmap provide some certainty that aging stock in prime locations will receive government support, but prudent investors should factor progressive lease-related value compression into long-term return calculations, particularly for units already carrying reduced remaining lease periods.

How does proximity to Petir LRT Station influence capital appreciation potential at 107 Gangsa Road?

HDB developments situated within 200 metres of operational LRT stations demonstrate 20-35% greater long-term capital appreciation compared to counterparts located at greater distances, reflecting sustained demand premium driven by commute time efficiency and lifestyle convenience. 107 Gangsa Road's 80-metre positioning to Petir LRT Station places it in the optimal proximity band, ensuring the development captures maximum transport-driven appreciation potential across full property cycles. This advantage operates independent of individual unit characteristics, meaning even modest floor layouts benefit from the estate-level transport premium. Importantly, this appreciation advantage is durable and unlikely to be eroded by future supply increases, as the MRT network infrastructure is complete and no proximate replacement rapid-transit capacity is scheduled. Buyer demand for LRT-proximate housing consistently remains strong across economic cycles, as the time and cost savings from rapid commuting outweigh most other property selection criteria for working professionals. For long-term wealth building, 107 Gangsa Road's transport positioning represents one of the most reliable capital appreciation drivers available within the mature HDB market, justifying patient holding strategies and relative price premiums versus competing estates lacking equivalent connectivity.

Is 107 Gangsa Road suitable for first-time home buyers, and what are the key considerations?

107 Gangsa Road presents an excellent option for first-time buyers seeking established community stability, transparent governance, and strong infrastructure maturity without experimental urban renewal risk or emerging estate volatility. The pricing entry point from S$850,000 is attainable for dual-income professional households earning S$8,000-S$10,000 monthly, with mortgage servicing typically consuming 30-35% of household income—comfortably within acceptable TDSR parameters. First-time buyers benefit particularly from the LRT proximity, as daily commute efficiency creates measurable lifestyle benefits and long-term wealth building potential through consistent capital appreciation. However, first-time buyers must carefully evaluate their personal circumstances: sufficient liquid reserves for down payment and ancillary costs, stable employment tenure providing mortgage servicing confidence, and genuine intention to occupy the property rather than treat it purely as investment vehicle. The mature estate context means limited scope for aggressive appreciation speculation, positioning the development as a wealth-building vehicle for risk-averse households prioritising housing security and long-term financial stability over short-term capital gains. First-time buyers should engage independent financial advisors to validate TDSR compliance and mortgage serviceability before proceeding.

What TDSR headroom exists for typical mortgage applications on units at 107 Gangsa Road?

For a typical four-bedroom unit priced at S$850,000 with 80% financing (S$680,000 loan), mortgage payments at prevailing rates of approximately 3.5% per annum total approximately S$2,850 monthly over a 25-year amortisation period. This payment obligation typically consumes 28-32% of household income for dual-income families earning S$8,500-S$10,000 monthly, positioning such households comfortably within the 55% Total Debt Servicing Ratio ceiling mandated by banks and Housing Development Board. The favourable TDSR positioning provides material financing headroom, allowing borrowers to service the mortgage even during periods of income volatility or to simultaneously manage other debt obligations. However, borrowers should stress-test assumptions against potential interest rate escalation: if rates rise to 4.5%, monthly payments increase to approximately S$3,150, potentially consuming 35-37% of household income and leaving limited margin for error. Single-income households require significantly higher salaries (typically exceeding S$12,000 monthly) to achieve comfortable TDSR positioning and mortgage approval confidence. First-time buyers should obtain mortgage pre-approval documents from selected lenders and carefully validate TDSR compliance before committing to purchase, as financing rejection after formal offer submission creates substantial financial and legal complications.

How does 107 Gangsa Road compare to nearby competing HDB developments in Bukit Panjang?

107 Gangsa Road operates within a competitive landscape including other established Bukit Panjang estates, some positioned similarly for LRT accessibility whilst others lack equivalent transport proximity. Developments within 200-400 metres of Petir LRT Station command pricing comparable to 107 Gangsa Road (S$520-S$580 psf), whilst estates located 800+ metres distant typically transact at 10-15% discount due to extended walking distances and dependency on feeder bus services. The development's defining competitive advantage is its exceptional 80-metre station proximity combined with established infrastructure maturity and proven community stability. Unlike emerging estates marketed on speculative appreciation potential, 107 Gangsa Road appeals to pragmatic buyers prioritising commute efficiency and lifestyle convenience over experimental growth narratives. Pricing comparisons across district transacted units consistently validate that transport premium justifies the pricing positioning relative to competing alternatives. Investors evaluating multiple acquisition options should construct detailed distance matrices to competing transport nodes and cross-reference with recent transacted unit pricing to confirm 107 Gangsa Road's value positioning. The estate's mature status means limited redevelopment catalyst risk, positioning capital returns as function of consistent demand fundamentals rather than speculative urban renewal narratives.

Are certain unit stacks or floor levels at 107 Gangsa Road better positioned for value?

Within established HDB estates, value positioning typically correlates with factors including unit orientation (north-south facing preferred over east-west), floor level (mid-level units typically offer optimal balance between natural light, noise exposure, and lift accessibility), and stack configuration relative to common areas. Lower floors (1-5) offer convenience but may experience higher noise from ground-level activities, whilst higher floors (15+) command premium pricing but involve longer lift waiting times and potential reduced perceived security. Mid-level units (floors 8-12) typically represent optimal value positioning, offering meaningful noise insulation, acceptable natural light, and manageable lift travel times. Units facing north-south directions receive more consistent natural light and experience less extreme temperature fluctuations compared to east-west facing units. However, at a mature estate like 107 Gangsa Road where unit availability is limited and buyer selection restricted to current inventory, value positioning decisions should prioritize intrinsic unit features (bedroom configuration, bathroom placement, kitchen size) and personal lifestyle requirements over granular floor-level optimisation. Investors should view unit selection as function of availability and pricing at moment of decision rather than waiting indefinitely for theoretically optimal configurations; the capital appreciation benefit of immediate ownership typically outweighs marginal optimization gains from extended holding periods.

What is the future supply pipeline for residential units in the Petir/Bukit Panjang district?

District planning documentation suggests limited additional HDB new launches within the immediate Petir neighbourhood during the coming 10-15 year period, with residential intensification focus directed toward nearby Chestnut Road and Bukit Timah precincts rather than infill development within this consolidated estate area. The substantial existing housing stock, mature infrastructure, and demographic stability in Bukit Panjang position it as a consolidated maintenance-focused district rather than growth-trajectory precinct. This limited supply outlook creates favourable conditions for long-term resale value preservation, as inventory growth will remain constrained relative to ongoing demand from professionals prioritising LRT-proximate housing. Private residential development within the district remains limited by land constraints and public housing dominance, meaning future supply will not materially increase buyer choice within this specific area. The supply constraint paradoxically supports medium-term capital appreciation potential by maintaining consistent buyer demand relative to available stock. For investors evaluating 10-20 year holding periods, the limited supply pipeline represents a meaningful value support factor, reducing risk of oversupply-driven price compression that characterises emerging estates experiencing rapid new launch volumes. However, buyers should not conflate supply constraints with appreciation guarantees; capital returns ultimately depend on sustained transport demand and demographic suitability rather than artificial inventory scarcity alone.

[For Sale] Hdb Flat At 107 Gangsa Road — From S$850K