Mortgage Affordability Calculator
See your maximum loan and property price under Singapore’s TDSR (55%), MSR (30% for HDB / EC), and 75% LTV cooling-measure rules. No login required.
Before house-hunting, every Singapore buyer needs to know one number: the maximum loan a bank or HDB will approve based on income. This calculator applies the three regulatory caps that the bank uses in your In-Principle Approval (IPA) or HDB Loan Eligibility (HLE) letter.
For your exact figures, request an IPA from your bank or an HLE from HDB. This tool gives you the ballpark in seconds.
Mortgage Affordability Calculator
See your maximum loan and property price under Singapore’s TDSR (55%), MSR (30% for HDB / EC), and 75% LTV rules. Educational projection — the bank’s IPA or HDB’s HLE letter has your exact figures.
Downpayment breakdown (25% of property price)
How the cap is computed
- TDSR cap (55% of income − existing debt): $4,400 / month
- MSR cap (30% of income, HDB / EC only): $2,400 / month
- Binding constraint: MSR (30%)
- Effective monthly payment cap: $2,400
Next: choose your loan type
Now that you know your maximum loan, the next decision is HDB concessionary vs bank loan, then fixed vs floating rate. Our deep-dive guides walk you through both.
Read HDB Loan vs Bank Loan 2026 →
