Singapore TDSR & MSR Mortgage Borrowing Power Calculator
Calculate maximum mortgage loan eligibility under MAS Total Debt Servicing Ratio (≤55% TDSR) and Mortgage Servicing Ratio (≤30% MSR) guidelines.
Calculate maximum mortgage loan eligibility under MAS Total Debt Servicing Ratio (≤55% TDSR) and Mortgage Servicing Ratio (≤30% MSR) guidelines.
Calculate maximum mortgage loan eligibility under MAS Total Debt Servicing Ratio (≤55% TDSR) and Mortgage Servicing Ratio (≤30% MSR) guidelines. Calculate exact, penny-accurate projections compliant with 2026 CPFB • IRAS • Monetary Authority of Singapore (MAS) • HDB standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
MAS prudential borrowing standards
Capped strictly at 30% of recognized gross income
Residual allowance after deducting existing debts
Income_{Eligible} = Fixed + 0.70 \times Variable \\
Payment_{TDSR} = 0.55 \times Income_{Eligible} - Debts_{Other} \\
Payment_{MSR} = 0.30 \times Income_{Eligible} \quad [HDB/EC] \\
Max\ Loan = \frac{Payment_{Allowable}}{r_{monthly}} \times \left(1 - (1 + r_{monthly})^{-N}\right)The Total Debt Servicing Ratio (TDSR) restricts all monthly debt obligations to ≤55% of recognized income. The Mortgage Servicing Ratio (MSR) caps HDB & EC housing installments to ≤30%. Variable earnings are discounted by 30% under MAS guidelines, with loans assessed using a 4.0% stress-test interest floor.
Pre-calculated MAS, CPFB, IRAS & HDB benchmark tables across Singapore rates and tiers.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual CPF interest rates, ABSD criteria, COE prices, and bank mortgage rates may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a MAS-licensed financial adviser or IRAS/CPF officer prior to executing financial commitments.
This is a regulatory requirement mandated by the Monetary Authority of Singapore (MAS). Financial institutions must apply a medium-term stress-test floor rate of at least 4.0% to evaluate maximum borrowing capacity, safeguarding buyers against future interest rate spikes.
No! The 30% MSR cap applies strictly to HDB flats and Executive Condominiums (ECs). When purchasing private condominiums or landed homes, only the 55% TDSR limit applies, allowing for significantly higher borrowing leverage.
Under the 55% TDSR framework, every S$1,000 in existing monthly car loan or debt repayments directly slashes your approved maximum mortgage by roughly S$180,000 to S$200,000! Clearing car loans before applying is a common strategy to maximize property borrowing power.
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