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TDSR & MSR Loan Calculator

Find out how much you can borrow under MAS's Total Debt Servicing Ratio (TDSR) and Mortgage Servicing Ratio (MSR) rules — and the maximum property price you can target at 75% LTV.

Car loans, personal loans, other mortgages

Used for monthly payment estimate only

Loan Affordability Breakdown

Max monthly TDSR budget (55% of income − existing debt)$5,500/mo
Binding monthly cap TDSR 55%$5,500/mo
Max loan (stress-tested @ 4%, 30yr tenure)$1,152,036
Estimated monthly instalment @ 4%$5,500/mo
Max property price (75% LTV)$1,536,048

Max loan uses MAS stress-test rate (4%), not your quoted rate. LTV assumes no outstanding housing loan; a second loan reduces LTV to 45%. This is a first-pass estimate — get an In-Principle Approval (IPA) or HFE letter for a binding figure.

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Frequently Asked Questions

What is TDSR in Singapore?

Total Debt Servicing Ratio (TDSR) is a framework by the Monetary Authority of Singapore (MAS) that limits a borrower's total monthly debt obligations to 55% of gross monthly income. This includes all existing loans such as car loans, student loans, and credit card debt.

What is the difference between TDSR and MSR?

TDSR (55% of gross income) applies to all property loans and considers all debt obligations. MSR (30% of gross income) is an additional cap that applies only to HDB flats and Executive Condominiums (ECs) purchased directly from developers. For HDB/EC purchases, both limits must be satisfied.

How much can I borrow for a property in Singapore?

Your maximum loan depends on your gross monthly income, existing debt obligations, the loan tenure, and interest rate. Use this calculator to find your exact borrowing limit under both TDSR (55%) and MSR (30%) rules. The maximum LTV (Loan-to-Value) ratio is typically 75% for bank loans.

Does TDSR apply to all property purchases in Singapore?

Yes, TDSR applies to all property loans granted by financial institutions in Singapore, including loans for HDB flats, private condominiums, and landed properties. The 55% threshold is the regulatory ceiling for total monthly debt repayments relative to gross monthly income.