Affordability Calculator
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Uses the same TDSR (55% of income) and MSR (30% of income, HDB/EC only) limits banks and HDB actually apply, and the same 4% p.a. stress-test rate MAS requires banks to assess new loans against — not today's real interest rate. For your likely real monthly payment at current rates, use the Mortgage Calculator afterwards.
| Maximum (TDSR/MSR limit, 4% stress rate) | Comfortable (a more conservative estimate) | |
|---|---|---|
| Monthly instalment | ||
| Loan amount | ||
| Property price |
This is a planning estimate, not a loan pre-approval. Your bank or HDB will assess your actual eligibility, including your real LTV limit, credit history and any other outstanding loans.