Singapore mortgage & TDSR calculator
Calculate Singapore home loan repayments for HDB and private properties, checking MAS Total Debt Servicing Ratio (55%) and MSR (30%) limits.
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About this tool
Calculate home loan repayments in Singapore for HDB flats, Executive Condominiums (ECs), and private residential properties. Checks compliance with MAS borrowing limits: 55% Total Debt Servicing Ratio (TDSR) and 30% Mortgage Servicing Ratio (MSR).
How to use it
- 1 Enter the property price and your planned down payment (minimum 20% for HDB, 25% for bank loan).
- 2 Enter the annual interest rate (e.g. 2.6% for HDB concessionary loan) and tenure.
- 3 Input gross monthly household income and existing monthly debt repayments to test TDSR and MSR compliance.
- 4 Review your monthly installment, borrowing assessment, and total interest cost.
Questions
What is the difference between TDSR and MSR in Singapore?
TDSR limits total monthly debt repayments (mortgage, car loans, personal loans) to 55% of gross income across all property types. MSR specifically caps mortgage payments on HDB flats and new ECs to 30% of gross income.
What is the interest rate on an HDB concessionary housing loan?
The HDB concessionary housing loan interest rate is pegged at 0.1% above the prevailing CPF Ordinary Account (OA) interest rate, currently sitting at 2.60% p.a.
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
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