TDSR Calculator Singapore
Estimate your property loan affordability based on the Total Debt Servicing Ratio (TDSR) framework introduced by the Monetary Authority of Singapore (MAS).
Understanding TDSR in Singapore
Under MAS guidelines, the Total Debt Servicing Ratio limits a borrower’s total monthly debt obligations to 55% of their gross monthly income. This framework helps ensure borrowers maintain prudent debt levels and financial resilience.
Financial institutions may apply additional assessment criteria including stress-tested interest rates and income haircuts for variable income sources.
This calculator provides indicative estimates based on user inputs and publicly available policy frameworks such as the Total Debt Servicing Ratio (TDSR) guidelines introduced by the Monetary Authority of Singapore (MAS).
Actual loan eligibility, interest rates and approval criteria may vary depending on the financial institution and individual borrower profile.
Information provided is general in nature and does not constitute financial, legal or investment advice.