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Home Loan Calculator (TDSR & MSR)
Free Singapore home loan calculator: maximum loan under TDSR (55%) and MSR (30%), the 4% and 3% test rates, 75% loan-to-value, downpayment and monthly instalment.
1. You
2. The home and loan
Most you could borrow
S$450,000
| TDSR room (55% of income − other loans) | S$4,950/month |
| MSR room (30% of income) | S$2,700/month |
| Tested at 3% interest over 25 years | S$569,366 |
| Loan-to-value limit (75% of price) | S$450,000 |
| Downpayment needed | S$150,000 |
| Monthly instalment at 2.6% | S$2,042 |
Your limit is set by the 75% loan-to-value cap. Banks and HDB use a higher test rate than your real rate, so you can afford the actual instalment more easily.
The limits
- TDSR: all your monthly loan repayments can be at most 55% of your gross monthly income.
- MSR: for HDB flats and new ECs, the home loan repayment can be at most 30% of gross income.
- Banks test with an interest rate of at least 4%; HDB tests HDB loans at 3%.
- Loan-to-value: up to 75% for a first housing loan, from a bank or HDB. The rest is paid in cash and CPF.
An estimate only; the bank or HDB decides your loan (HLE / AIP letter). Rules last checked October 2026. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
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Questions people ask
What is TDSR in Singapore?+
The Total Debt Servicing Ratio: all your monthly loan repayments, including the new home loan, can be at most 55% of your gross monthly income.
What is MSR?+
The Mortgage Servicing Ratio applies to HDB flats and new Executive Condominiums: the home loan repayment can be at most 30% of your gross monthly income.
How much can I borrow for an HDB flat?+
Up to 75% of the price (since 20 August 2024), as long as the repayment, tested at 3% interest for an HDB loan, fits within 30% of your income.