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.
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).
Max LTV: 75%
MSR (30%) applies in addition to TDSR (55%)
Your Details
100% recognized
100% recognized
Annual commissions, bonuses, or variable pay
70% recognized = $0.00/month
Total Recognised Income
$6,500.00/month
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
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| Bank | 2Y Fixed | 3Y Fixed | Floating | Lock-in |
|---|---|---|---|---|
DBS DBS | 2, 3 or 5 yrs | |||
OCBC OCBC | 2, 3 or 5 yrs | |||
UOB UOB | 2-3 yrs | |||
SCB Standard Chartered | 2-3 yrs | |||
Maybank Maybank | 2-3 yrs | |||
CIMB CIMB | 2-3 yrs |
2Y Fixed
3Y Fixed
Floating
2Y Fixed
3Y Fixed
Floating
2Y Fixed
3Y Fixed
Floating
2Y Fixed
3Y Fixed
Floating
2Y Fixed
3Y Fixed
Floating
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