Mortgage Affordability Calculator
Determine your loan eligibility using MSR (for Executive Condominiums) and TDSR (for Private Condominiums) guidelines to plan your purchase with confidence.
Mortgage Servicing Ratio (MSR) - For ECs
The Mortgage Servicing Ratio (MSR) applies specifically to buyers of HDB flats and Executive Condominiums (ECs). It mandates that your monthly home loan repayment cannot take up more than 30% of your gross monthly income.
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Calculations use a standard medium-term interest rate of 4% as per MAS guidelines for stress testing.
Your Maximum Estimated Loan
S$ 628,384
(Based on MSR limit of 30%)
Calculated MSR for Desired Loan:47.74%
Assessment Failed
Your desired loan exceeds the 30% MSR limit. Your maximum possible loan is shown above.