Estimate how much you may be eligible to borrow, based on MAS's TDSR and MSR framework.
Max 25 years for HDB / new EC loans.
Estimated maximum loan amount
S$0
Max monthly instalment (at stress-test rate)S$0
Governing limit applied—
Stress-test rate used4.0% p.a.
Estimate only. Uses MAS's Total Debt Servicing Ratio (55% of gross monthly income) and, for HDB/EC purchases, the Mortgage Servicing Ratio (30% of gross monthly income), computed at the 4.0% medium-term stress-test interest rate banks are required to use, regardless of your actual package rate. Your real eligibility depends on credit bureau records, other liabilities, and each bank's individual assessment. Speak to an advisor for an exact figure.