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TDSR & MSR calculator — your max home loan
See the largest housing loan a Singapore bank can give you. Enter your gross monthly income and debt obligations and the calculator applies the 55% Total Debt Servicing Ratio (or the 30% Mortgage Servicing Ratio for HDB/EC), computed at the regulatory stress-test interest rate — then converts it into a maximum purchase price at your loan-to-value limit.
Max loan (TDSR 55% at 4% stress rate)
S$1,041,989
Max monthly repayment (TDSR 55%)S$5,500
Max purchase price at 75% LTVS$1,389,318
Est. actual repayment at 3% (25y)S$4,941/mo
Non-cash portion of the down payment payable from CPF OA.
Rates last verified 2026-06-11 against the primary sources on our methodology page. Screening estimates only — confirm with your bank/IRAS before committing.
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- What is TDSR and what is the current limit?
- The Total Debt Servicing Ratio caps ALL your monthly debt repayments (home loan, car loan, cards, personal loans) at 55% of gross monthly income. Banks must compute it at an interest rate floor of 4% for residential loans, even if your actual rate is lower.
- What's the difference between TDSR and MSR?
- MSR (Mortgage Servicing Ratio) is a stricter 30%-of-income cap that applies only to the mortgage itself, and only for HDB flats and new ECs. Those buyers must satisfy both MSR and TDSR; private-property buyers face TDSR only.
- How does the max loan become a max purchase price?
- Through the LTV limit: a first bank housing loan is capped at 75% of the price, so the max price ≈ max loan ÷ 0.75 — provided you can fund the 25% down payment (at least 5% in cash) plus stamp duties.