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TDSR / MSR Loan Assessment

Calculate your maximum home loan for private, EC and HDB properties based on Singapore's TDSR and MSR rules. Add multiple applicants for joint applications.

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Disclaimer: This calculator provides estimates only. Results are not financial advice and no guarantee of accuracy is given. If in doubt, seek appropriate advice from your financial adviser or banker before making any property investment decisions.
TDSR cap: 55% of gross monthly income. MSR cap: 30% (EC/HDB). Rates use MAS stress test rate of 4% (or bank rate if higher).

Affordability Assessment

Income Weighted Avg Age: โ€”
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For Private Properties (TDSR โ€” 55%)
Max Loan (LTV 75%)
$0
Loan Tenure30 yrs
Max Property Price$0
Downpayment (25%)$0
Bank Rate (SORA)1.26%
Monthly Installment$0
Extended Tenure (LTV 55%)
$0
Loan Tenure35 yrs
Max Property Price$0
Downpayment (45%)$0
Bank Rate (SORA)1.26%
Monthly Installment$0
For Executive Condo (MSR โ€” 30%)
Max Loan (LTV 75%)
$0
Loan Tenure30 yrs
Max Property Price$0
Downpayment (25%)$0
Bank Rate (SORA)1.26%
Monthly Installment$0
Extended Tenure (LTV 55%)
$0
Loan Tenure35 yrs
Max Property Price$0
Downpayment (45%)$0
Bank Rate (SORA)1.26%
Monthly Installment$0
For HDB Resale (MSR โ€” 30%)
Max Loan (LTV 75%)
$0
Loan Tenure25 yrs
Max Property Price$0
Downpayment (25%)$0
Bank Rate (SORA)1.31%
Monthly Installment$0
Extended Tenure (LTV 55%)
$0
Loan Tenure30 yrs
Max Property Price$0
Downpayment (45%)$0
Bank Rate (SORA)1.31%
Monthly Installment$0