Buy A HomeBTO ResaleStep 2 of 7Next: How Much Stamp Duty Will I Pay?

How Much Can I Borrow For A Home?

TDSR & MSR Borrowing Calculator

Enter each earner’s monthly income and any other loan repayments. See the biggest home loan allowed by the TDSR (Total Debt Servicing Ratio) and MSR (Mortgage Servicing Ratio) limits.

New to this? Read The Short Guide First →

Page updated 11 September 2026 · Current policy limits

1 Your Numbers

Your Income And Debts

TDSR (Total Debt Servicing Ratio): for bank loans, all your loan repayments can’t go above 55% of income. MSR (Mortgage Servicing Ratio): for HDB flats and applicable ECs, the home loan repayment can’t go above 30%.

Earner 1 Monthly Gross Income (S$/month)

Monthly pay before CPF and tax. You can also enter your whole household’s total here.

Earner 2 Monthly Gross Income (S$/month, Optional)

A co-borrower on the same loan. Leave at 0 if none.

Earner 3 Monthly Gross Income (S$/month, Optional)

Leave at 0 if only one or two people are borrowing.

Other Monthly Loan Repayments (S$/month)

Car, personal, study and other loan repayments for all earners above. Enter 0 if none.

Property Type

Loan Type

Interest Rate Offered (% Per Year)

Loan Tenure (Years)

We work this out in your browser.

2 Your Result

You could borrow up to about

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Household Income Used

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Maximum Monthly Mortgage Payment

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Interest Rate Used For The Test

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Tighter Limit

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TDSR Room For A Mortgage

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MSR Room For A Mortgage

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What This Estimate Assumes

Rough estimate only. For bank loans, TDSR caps all loan repayments at 55% of gross income. For HDB flats and applicable ECs, MSR also caps the home loan repayment at 30%. We test loans at 4% or more for bank loans and 3% or more for HDB loans. Leaves out LTV (loan-to-value) limits, age and tenure rules, income haircuts (banks counting only part of some income), credit checks and lender rules. For your real limit, get an HDB Flat Eligibility (HFE) letter or a bank’s in-principle approval (IPA).

3 What Next

Step 3 of 7 in Buy A HomeHow Much Stamp Duty Will I Pay?Full Stamp Duty Calculator →Read The GuideTDSR Vs MSR: How Much Can You Borrow On Your Salary? →

Before You Use This Number

What Is TDSR (Total Debt Servicing Ratio)?

Total Debt Servicing Ratio. For a bank home loan, all your monthly loan repayments usually can’t go above 55% of your gross monthly income.

What Is MSR (Mortgage Servicing Ratio)?

Mortgage Servicing Ratio. For an HDB flat or applicable EC, the home loan repayment usually can’t go above 30% of your gross monthly income.