Work out your maximum loan quantum — based on income, existing debts, loan tenure, and any assets you'd like to pledge or show to boost your eligibility.
Your figures
Applicant
If this is your first property and neither of you owns any other residential property, a married couple with at least one SC spouse can apply for full ABSD remission (0%) — even for SC+PR or SC+Foreigner marriages. Your lawyer applies for this via the e-Stamping Portal before stamping.
ABSD is charged at the higher rate between joint applicants.
Properties & Loans Owned
This drives your maximum LTV, separately from ABSD.
Monthly Income
Bonus, commission, rental — counted at 70%.
Other Funds
Leave everything in this section blank to see what your income alone can service. Fill in to also check whether your funds cover the downpayment, BSD and ABSD.
Monthly Debt Obligations
Property & Loan
Loan sizing uses the higher of your rate or the MAS floor.
Most banks cap HDB loan tenure at 25 years in practice. Stretching to the full 30-year regulatory maximum is sometimes possible — message Darren to explore whether this could work for you.
Maximum Property Price
S$0
Max Loan QuantumS$0
Max LTV Ratio75%
Income-Weighted Avg Age-
Max Tenure Allowed-
Binding RatioTDSR
Max Bank Loan (Income Only)
S$0
Property Price at This LoanS$0
Based on TDSR/MSR and your monthly debt only — before checking whether you have enough cash or CPF for the downpayment. This is what a bank would say you qualify for.
Affordability Breakdown
Total Gross Monthly Income:S$0
Income Boost from Assets:S$0
TDSR Limit (55%):S$0
TDSR Limit After Existing Debts:S$0
MSR Limit (30%):S$0
Income-Weighted Average Age:-
Maximum Tenure Allowed:-
Maximum LTV Ratio:75%
Maximum Loan Quantum:S$0
Max Bank Loan (Income Only, No Cash/CPF Check):S$0
Estimated BSD:S$0
Estimated ABSD:S$0
Total Downpayment (Cash + CPF):S$0
Minimum Cash Required:S$0
Monthly Instalment (Stress Rate):S$0
Monthly Instalment (Your Rate):S$0
Maximum Property Price:S$0
About This Estimate
TDSR caps all monthly debt, including the new home loan, at 55% of gross income. MSR caps the mortgage instalment alone at 30%, for HDB and EC purchases only.
Your loan is sized using the higher of your expected rate or the MAS floor — 4% for bank loans, 3% for HDB Loans.
LTV depends on your number of existing home loans, and drops if your tenure exceeds 30 years (25 for HDB Loans) or extends past age 65.
At least 5% of the price must be cash for a bank loan (10% if the tenure/age exceeds the 75% LTV limits), or 25% if you already have an existing home loan; an HDB Loan has no mandatory cash component.
Variable income is counted at 70%. Pledged or shown assets can boost income, spread over 48 months, with haircuts depending on asset type.
This opens WhatsApp with your figures pre-filled — you review and send it yourself. Nothing is sent automatically.
This calculator provides a general estimate only, based on MAS/HDB rules current as of this year. It excludes legal fees and CPF withdrawal limits. Actual eligibility is determined by your bank or HDB — verify with Darren or your loan officer.
What goes into this
Income & debts
Fixed and variable income (counted at 70%), against your existing monthly obligations.
TDSR & MSR
All loans capped at 55% of income; HDB and EC mortgages also capped at 30%.
Stress-tested rate
Banks size your loan at a fixed rate floor, not your actual rate — not the promo rate you're quoted.
Pledging assets
Cash, stocks or other assets can boost your eligible income, spread over 48 months.
