🧮 Free Tool
How Much Home Loan Can You Get?
An instant, indicative estimate of your maximum home loan eligibility — single or joint applicant, HDB/EC or private property — based on MAS's TDSR and MSR rules.
Your Details
Nothing here is saved or sent anywhere — the calculation runs entirely in your browser.
HDB flats & ECs are capped by both MSR (30%) and TDSR (55%). Private property uses TDSR (55%) only.
HDB Loan: up to 75% LTV, max 25-year tenure, capped at age 65.
Applicant 1
💡 Self-employed / freelance with no fixed pay? Enter your average monthly income here instead (e.g. your last 2 years' NOA, added up and divided by 24) — leave Fixed Income at $0. 70% of it is counted, same as banks do.
Leave blank to see income-based eligibility only. Fill in to also apply the LTV cap.
Advanced Settings
MAS mandates lenders assess affordability at a floor of 4.0% p.a., regardless of the rate actually quoted.
Used only to estimate the real monthly repayment. Editable — check current board rates.
Estimated Eligibility
Indicative only — not a loan offer or IPA.
Combined other debt repayments already exceed the allowable TDSR/MSR limit — eligible loan is $0 under current inputs.
This tenure extends past age 65 or exceeds the standard cap — LTV limit drops to a lower tier (shown below).
Estimated Maximum Eligible Loan
$0
Based on debt-ratio limits
$0
Combined Assessable Income
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Income-Weighted Avg. Age
Maximum tenure allowed given age & loan type.
Combined Gross Assessable Income$0
Less: Existing Other Debt Repayments$0
TDSR Ceiling (55% of income)$0
MSR Ceiling (30% of income)$0
Max Monthly Mortgage Instalment$0
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LTV-Based Loan Cap
$0
Est. Monthly Repayment (actual rate)
Disclaimer: This calculator provides an indicative, non-binding estimate only, based on MAS's published Total Debt Servicing Ratio (TDSR, 55%) and Mortgage Servicing Ratio (MSR, 30%, HDB/EC only) frameworks, current loan tenure and Loan-to-Value (LTV) rules, and a mandated stress-test interest rate floor (default 4.0% p.a.). It does not constitute a loan offer, In-Principle Approval, or HDB Loan Eligibility (HLE) letter, and does not account for credit bureau records, existing unsecured credit facility limits, CPF usage, grants, or a bank/HDB's internal credit assessment. Please consult a mortgage banker or HDB directly for a formal assessment.
Next Step
Wondering If You Can Actually Afford a Specific Project?
Tell me the project, unit type, and price you have in mind — I'll check it against your numbers above and let you know if it's realistic, or what would need to change.
Good To Know
FAQs
How much home loan can I get in Singapore?
Your maximum loan is capped by the Total Debt Servicing Ratio (TDSR) — 55% of gross monthly income across all your debt obligations, for every property type. HDB flats and ECs are additionally capped by the Mortgage Servicing Ratio (MSR) at 30%. Lenders must stress-test your affordability at a floor of 4% p.a. (MAS's mandated rate), regardless of the rate you're actually quoted.
HDB loan or bank loan — which should I choose?
An HDB concessionary loan gives up to 75% financing at a rate pegged to the CPF OA rate + 0.1% (around 2.6% p.a. currently), fixed and predictable, but capped at a 25-year tenure and income ceiling of $14,000/month for families. A bank loan can stretch to 30 years (HDB flat) or 35 years (private property), often at a lower headline rate, but the rate is variable and subject to periodic repricing. Toggle between the two above to compare your eligible amount under each.
Does adding a co-owner increase how much I can borrow?
Usually, yes. A joint application combines both applicants' incomes for the TDSR/MSR calculation, which typically raises your maximum monthly instalment and therefore your eligible loan. The tradeoff: your maximum tenure is then based on an income-weighted average age of both applicants, so adding an older co-owner with a smaller income share can shorten the allowable tenure.
Why does my eligible loan change when I adjust the tenure slider?
A longer tenure spreads the same monthly instalment over more months, which increases the loan amount that instalment can support — up to the maximum tenure allowed for your age and loan type. Drag the slider down to see how a shorter, faster payoff reduces your eligible loan (but also cuts total interest paid).