How much home loan can I borrow?
Singapore's mortgage limit isn't the property price — it's what your income supports underTDSR (55%) and, for HDB/EC, MSR (30%), stress-tested at theMAS 4% medium-term rate and capped by the 75% loan-to-value limit. Enter your numbers for an instant, honest estimate — no sign-up, no email wall.
You can borrow up to
—
binding limit: —, stress-tested at 4%
Max property price—at 75% LTV
Monthly repayment—at your rate
Downpayment (25%)—incl. min. 5% cash
Min. cash upfront—the rest can be CPF-OA
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How this is calculated (and the numbers behind it)
- TDSR 55% — total monthly debt (incl. this mortgage) can't exceed 55% of gross income (MAS, since 16 Dec 2021).
- MSR 30% — for HDB/EC, the mortgage alone can't exceed 30% of gross income; the lower of TDSR/MSR binds.
- 4% stress rate — the max loan is computed at the MAS medium-term floor (4% residential), not your actual rate, since 30 Sep 2022. Your monthly repayment above uses the rate you entered.
- 75% LTV — a first bank loan is capped at 75% of price; the other 25% is downpayment (min. 5% in cash, the rest cash or CPF-OA).
- Tenure — capped at 30 years (private) / 25 (HDB), and reduced so age + tenure ≤ 65.
Rates as at 2026. Method mirrors Keystone's audited calculator engine (MAS TDSR/MSR/LTV rules, IRAS/HDB). Indicative only — your actual approval depends on the bank's assessment. Not financial advice.