How Much Can I Borrow?

Calculate your maximum loan based on Singapore's TDSR (55%) and MSR (30% for HDB/EC) framework. Includes IWAA calculation for joint applicants.

What would you like to calculate?
Choose your calculation mode based on what you want to find out

Singapore Mortgage Loan Calculator

This calculator uses MAS guidelines: TDSR 55% for all properties and MSR 30% for HDB and EC (from developer/within MOP).

Property Details

Max LTV: 75%

MSR (30%) applies in addition to TDSR (55%)

$
Applicant(s) Income
Employed: 100% fixed income. Self-employed: Use NOA. Variable/Bonus: 70%.

Your Details

$

100% recognized

$

100% recognized

Use NOA
$

Annual commissions, bonuses, or variable pay

70% recognized = $0.00/month

Total Recognised Income

$6,500.00/month

Existing Debts

Monthly Debt Obligations

No debts added (e.g. car loan, personal loan, renovation loan)

Credit Cards

No credit cards added

Total Monthly Debt

$0.00/month

Maximum Loan Amount

$0

Based on MSR limit

Max Property Price Affordable

$0

Loan Tenure

25 years

Optimized for 75% LTV

Min Cash Required

$0

5% of property (cash only)

Remaining Down Payment

$0

21.1% (Cash or CPF)Higher due to income-limited loan

Monthly Installment

$1,950.00

At max bank loan

Loan-to-Value (LTV)

75%

≤25y tenure

Stamp Duties Payable
BSD (Buyer's Stamp Duty)$9,600.00
Total Stamp Duties Payable$9,600.00
Total Cash Outlay$34,600.00

Estimated Mortgage Rates
SORA rates sourced live from MAS — updated each business day

HDB Loan

2.6% p.a.

CPF OA Rate (2.5%) + 0.1%

Bank Loan (Est.)

Based on 1M Compounded SORA — indicative only

Bank Rate Comparison

Indicative only
DBS
DBS

2Y Fixed

3Y Fixed

Floating

OCBC
OCBC
Best Rate

2Y Fixed

3Y Fixed

Floating

UOB
UOB

2Y Fixed

3Y Fixed

Floating

SCB
Standard Chartered

2Y Fixed

3Y Fixed

Floating

Maybank
Maybank

2Y Fixed

3Y Fixed

Floating

CIMB
CIMB

2Y Fixed

3Y Fixed

Floating

* Rates are indicative and subject to change. Contact us for the latest promotional rates.

1M SORA:

 |  3M SORA:
 |  CPF OA: 2.5% p.a.

View latest SORA rates on MAS