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

Which property number is this?

Max LTV: 75%

Property Type

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

Target Property PriceCalculate Max Loan

Applicant(s) Income

Employed: 100% fixed income. Self-employed: Use NOA. Variable/Bonus: 70%.

Your Details

Employment Type

Residency Status

Age

Fixed Basic Income (Monthly)

100% recognized

Fixed Allowance (Monthly)

100% recognized

Variable Income: Commissions/Bonus (Annual)

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

Custom

Based on MSR limit

Loan Constraints

LTV-Capped (75%):$375,000.00

Income-Based (TDSR/MSR):$369,432.34

Final Max Loan:$369,432.34

ℹ️ Income-limited: You can pledge/show funds to access the full LTV-capped amount

Max Property Price Affordable

Loan Tenure

Custom

25 years

Optimized for 75% LTV

Min Cash Required

5% of property (cash only)

Remaining Down Payment

20.0% (Cash or CPF)

Monthly Installment

$1,950.00

At max bank loan

Loan-to-Value (LTV)

75%

≤25y tenure

Extend tenure to lower LTV

Stamp Duties Payable

BSD (Buyer's Stamp Duty)$9,600.00

Total Stamp Duties Payable$9,600.00

Total Cash Outlay$34,600.00

Insufficient Loan Amount

Your income-based loan ($369,432.34) is less than LTV cap of 75% ($375,000.00). You can pledge/show funds to get a higher loan up to 75%.

Option 1: Pledge Fixed Funds (4-Year Lock-in)

$4,702.10

SGD deposits pledged ≥4 years with no haircut. Funds locked for 4 years, cannot withdraw.

Option 2: Show Funds Before Disbursement (3-Month Hold)

$15,673.68

Funds shown to bank before disbursement with 30% haircut. Can withdraw after 3 months minimum holding period.

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

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

DBS

2Y Fixed

3Y Fixed

Floating

OCBC

Best Rate

2Y Fixed

3Y Fixed

Floating

UOB

2Y Fixed

3Y Fixed

Floating

SCB

Standard Chartered

2Y Fixed

3Y Fixed

Floating

Maybank

2Y Fixed

3Y Fixed

Floating

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