Type

Units

Min Area

Price Range

Other

150 sqft

S$550/mo

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$550.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$110 on this acquisition.
Located 10 min (830 m) from EW9 Aljunied MRT 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.

95 Aljunied Crescent: A Mature HDB Development in Central Singapore

95 Aljunied Crescent stands as an established housing development within one of Singapore's most vibrant residential precincts. Located in the Aljunied area, this HDB property offers buyers and investors access to a neighbourhood steeped in character and convenience. The development's central position makes it an attractive choice for those seeking to balance urban accessibility with residential comfort in a mature estate that has proven its appeal over decades.

Proximity to transport infrastructure remains one of the key draws for residents at 95 Aljunied Crescent. The property sits approximately ten minutes' walk from Aljunied MRT Station (EW9), placing occupants within easy reach of the East-West Line's extensive network. This connection facilitates swift commuting to major employment hubs across the island, whether in the central business district, Changi, or the western corridors. The walkable distance to the station reduces reliance on private vehicles whilst maintaining the flexibility of having a car when needed.

Neighbourhood Character and Amenities

The Aljunied enclave has evolved into a thriving mixed-use neighbourhood that blends residential stability with commercial vitality. Residents of 95 Aljunied Crescent benefit from proximity to shopping centres, hawker stalls, markets, and dining establishments that cater to diverse tastes and budgets. The area is well-serviced by schools, healthcare facilities, and recreational spaces, creating an environment suitable for families at various life stages. This established infrastructure means new occupants can settle into a community where services and social networks are already mature and accessible.

HDB developments in this district have consistently demonstrated resilience in the rental market, attracting both owner-occupiers and investors seeking stable income streams. The combination of central location, transport access, and neighbourhood maturity creates reliable demand for rental units, particularly among working professionals, expatriates on housing allowances, and families seeking flexible tenure options. This underlying demand supports capital appreciation prospects for owners with medium to long-term holding horizons.

Lease Tenure and Ownership Considerations

Properties at 95 Aljunied Crescent typically carry either a 99-year or 999-year lease, reflecting the original age of the development. Understanding the remaining lease term is essential for prospective buyers, as this directly influences the property's future resale appeal and long-term value trajectory. Developments with longer remaining lease periods command stronger pricing power in the secondary market, particularly when purchased as investment assets. Buyers should verify the exact lease duration and calculate the property's residual value at various future points, especially if considering the asset through a retirement planning lens.

The lease structure affects financing availability as well. Banks typically lend more conservatively on properties where the lease will fall below fifty years during the borrower's expected ownership period, potentially constraining refinancing options or exit strategies for investors. This consideration becomes increasingly relevant for properties in mature estates, necessitating early planning for lease extension or alternative investment repositioning.

Market Positioning and Investment Appeal

Buyers evaluating 95 Aljunied Crescent should consider how this development compares to nearby alternatives in the Aljunied and surrounding districts. Competing HDB blocks in the immediate vicinity offer similar transport access and neighbourhood amenities, meaning pricing typically reflects the specific condition, layout, and remaining lease tenure of individual units rather than fundamental location differences. Recent transaction data in the Aljunied area provides useful benchmarks for assessing whether units at this address represent fair value relative to comparable sales in the postcode.

The development appeals to distinct buyer profiles. First-time purchasers seeking entry-level ownership in a central location find the area approachable in terms of price and established infrastructure. Upgraders moving from smaller units to larger family flats benefit from the transport connectivity and amenities network. Investors seeking rental yields value the consistent demand from working professionals and the area's reputation for tenant quality. Mature owners considering downsizing appreciate the convenient location and lower maintenance burden typical of HDB flats compared to landed properties.

Financing and Affordability Framework

Mortgage eligibility at 95 Aljunied Crescent depends on individual income levels and the borrower's Total Debt Servicing Ratio (TDSR) headroom. Most financial institutions cap monthly repayments at thirty percent of gross monthly income, requiring prospective purchasers to demonstrate sufficient earnings or household income to service the loan comfortably. First-time buyers may access Central Provident Fund (CPF) balances for the down payment, whilst subsequent property purchases trigger Additional Buyer's Stamp Duty (ABSD) obligations at twenty percent for Singapore Citizens acquiring a second residential property. This duty significantly increases the effective purchase cost and should be factored into all investment calculations for non-first-time buyers.

The affordability profile of units at this address varies depending on the exact floor level, layout, and lease condition. Buyers should stress-test their financing capacity against worst-case interest rate scenarios and consider the ongoing costs of property tax, conservancy charges, and maintenance fees typical for HDB developments in this district. This disciplined approach ensures that the investment enhances rather than strains household financial health.

Future Supply and District Development

The Aljunied district is a mature residential zone with limited new supply pipeline, as most land in this area has already been developed. This supply scarcity supports steady demand and capital appreciation potential for existing properties, though it also means occupants cannot expect dramatic neighbourhood transformation or major new amenities from forthcoming projects. The stability of a fully developed district appeals to those seeking a known, established environment rather than an emerging, high-growth precinct.

Prospective residents should evaluate 95 Aljunied Crescent within the context of their own medium to long-term housing goals. The property represents a solid choice for those prioritising transport accessibility, neighbourhood maturity, and rental market reliability over speculative appreciation or lifestyle transformation. With proper lease term verification and realistic expectations around capital growth, ownership at this address offers both residential satisfaction and reasonable investment discipline.

Frequently Asked Questions

What rental yield might I expect if I purchase a unit at 95 Aljunied Crescent as an investment property?

Rental yields on HDB flats in the Aljunied area typically range between three and five percent per annum, depending on the unit's exact size, condition, and remaining lease tenure. Properties with longer leases command higher yields because tenants and landlords both perceive lower long-term risk, whilst flats with leases below sixty years may experience yield compression as investors demand additional margin to offset lease decay concerns. To calculate your expected return, obtain recent rental transaction data for comparable units in the same block or neighbouring developments, divide the monthly rental by the purchase price, and annualise the figure—this gives a realistic basis for comparing 95 Aljunied Crescent against alternative investments.

How does pricing per square foot at 95 Aljunied Crescent compare to recent transactions in the Aljunied postcode?

HDB pricing per square foot in the Aljunied area has evolved based on lease tenure, unit condition, and proximity to MRT stations; units here at roughly 830 metres from EW9 typically command a modest premium over properties further from transport hubs. Recent comparable sales in the same block or immediately adjacent developments provide the most accurate pricing benchmarks, as they control for location, amenities, and neighbourhood perception in a way that broader district averages cannot. Property transaction records released by the Housing and Development Board monthly allow you to cross-reference actual selling prices, adjustment factors, and resale volumes to assess whether units at this address align with prevailing market value or represent an outlier.

What is the Additional Buyer's Stamp Duty impact if I purchase 95 Aljunied Crescent as a second residential property?

If you are a Singapore Citizen purchasing a second residential property, Additional Buyer's Stamp Duty applies at a rate of twenty percent on the purchase price—a substantial cost that must be factored into your investment decision and financing structure. For example, on a purchase price of S$350,000, the ABSD would total S$70,000, effectively increasing your acquisition cost by this amount and requiring correspondingly larger financing or down-payment provisions. This duty makes second property acquisitions considerably more expensive than first purchases and typically demands higher rental yields or capital appreciation expectations to justify the investment; many experienced investors therefore prioritise obtaining tax-efficient financing structures or consider lease extension strategies to mitigate the long-term cost burden.

How does lease decay risk affect the resale value of units at 95 Aljunied Crescent over the next ten to twenty years?

Lease decay represents a quantifiable headwind for HDB properties as the remaining lease tenure diminishes; typically, properties lose approximately one to two percent of value annually as the lease approaches sixty years, with acceleration in value depreciation occurring once the lease drops below fifty years. At 95 Aljunied Crescent, the existing lease tenure at the time of your purchase determines the timeline for these risks to materialise—a ninety-nine-year lease at purchase may still provide decades before serious decay, whilst a seventy-five-year lease means the resale market will begin pricing in lease risk within your holding period. The Housing and Development Board permits lease extensions on eligible properties, typically at market-related costs; planning for a future extension or understanding the cost implications strengthens your long-term ownership strategy and protects against unexpected equity erosion.

How does proximity to EW9 Aljunied MRT station affect demand and capital appreciation for this development?

Transport node proximity is one of the strongest drivers of HDB capital appreciation and rental demand across Singapore; the ten-minute walk to Aljunied MRT places 95 Aljunied Crescent squarely within the premium zone for commuter appeal and accessibility to island-wide employment clusters. Historically, HDB properties within five to fifteen minutes' walk of an MRT station command pricing premiums of ten to twenty percent over comparable units further afield, reflecting the tangible value of reduced travel time, lower transport costs, and lifestyle convenience. As Singapore's employment geography continues to distribute across multiple nodes (CBD, Changi, western industrial estates, and emerging business districts), the stable demand for properties near established MRT stations provides a reliable foundation for long-term value stability and rental market resilience.

Which buyer profiles is 95 Aljunied Crescent most suitable for, and why?

First-time homebuyers benefit from the established neighbourhood infrastructure, accessible pricing relative to other central locations, and the straightforward HDB ownership framework without the complexity of landed property maintenance or strata title management. Upgraders moving from smaller flats into larger family units value the mature amenities network and proven transport connectivity, knowing they will not face neighbourhood uncertainty or incomplete infrastructure during their ownership period. Investors seeking rental income appreciate the consistent tenant demand from working professionals and expatriates in a central location, though they must account for ABSD costs and lease-dependent financing constraints in their return calculations. Downizers and retirees favour the location's walkability, established healthcare and commercial services, and the lower maintenance burden of apartment living compared to landed alternatives; however, they should verify remaining lease tenure carefully to ensure the property does not require expensive extension during their anticipated holding period.

What TDSR and financing headroom should I expect at typical price points for 95 Aljunied Crescent?

Most financial institutions apply a Total Debt Servicing Ratio ceiling of thirty percent of gross monthly household income, meaning a household with monthly income of S$6,000 can service debt at approximately S$1,800 per month. For a property at 95 Aljunied Crescent with an estimated purchase price in the S$350,000 to S$450,000 range, typical mortgage amounts of S$280,000 to S$360,000 at prevailing interest rates translate to monthly payments of approximately S$1,400 to S$1,800, leaving little buffer for other debt obligations such as car loans or credit card balances. First-time buyers should stress-test their serviceability against a three percent interest rate scenario (higher than current rates) to ensure their loan remains manageable if rates rise; second-property buyers must also account for the S$70,000 to S$90,000 ABSD liability, which constrains available down-payment funds and may necessitate higher loan amounts that further compress TDSR headroom.

How does 95 Aljunied Crescent compare to nearby competing HDB developments in terms of value and appeal?

The Aljunied and surrounding precincts contain multiple HDB blocks with similar transport access, amenities, and age profiles; competing developments such as those in nearby roads offer comparable pricing and rental market fundamentals, meaning the choice between 95 Aljunied Crescent and alternatives typically hinges on specific unit condition, remaining lease tenure, and layout rather than broad neighbourhood differences. Recent transaction data in the immediate cluster reveals whether units at this address command a premium or discount relative to neighbours, with variance usually reflecting lease condition, floor level, or unit orientation rather than location advantages. Investors should run a side-by-side comparison of the monthly rental rate per square foot and expected gross yield across three to five competing blocks to identify whether 95 Aljunied Crescent offers genuine value or trades at a premium that may limit future appreciation relative to alternatives.

Are specific unit stacks or floor levels at 95 Aljunied Crescent better positioned for value retention and rental appeal?

Middle-floor units (typically the third to eighth floors in an HDB block) command the strongest rental demand and resale pricing because they balance accessibility, natural light, and neighbourhood views without the premium costs or maintenance concerns associated with upper-floor penthouses or the noise and security considerations of ground-level units. Lower floors may experience marginally higher tenant churn due to noise from street activity or security perceptions, though they are more accessible to elderly residents and families with young children; upper floors command lifestyle premiums but may limit the tenant pool to younger professionals without accessibility concerns. When evaluating specific units at 95 Aljunied Crescent, prioritise middle stacks with good sightlines to green space or quieter road aspects, as these combinations historically deliver superior rental yield and capital retention relative to lower-tier orientations or positions adjacent to service cores or stairwells.

What is the future supply pipeline for HDB developments in the Aljunied district, and how does this affect long-term appreciation?

The Aljunied district is a fully built-out residential zone with negligible new HDB supply pipeline, as the land bank in this mature neighbourhood has been entirely developed and consolidated into existing estates over the past several decades. This supply scarcity is a structural advantage for existing properties like those at 95 Aljunied Crescent, as it eliminates the risk of new competing supply dampening resale values or rents; instead, demand from growing population and limited inventory typically supports steady price appreciation and rental resilience. Prospective owners should view this supply constraint positively if seeking a stable, mature neighbourhood with predictable market dynamics, though they should not expect explosive appreciation typical of emerging precincts with speculative development potential—rather, the development offers reliable, moderate capital growth aligned with broader HDB market trends, complemented by consistent rental income opportunities for investors.

Hdb Flat At Aljunied Crescent — From S$550