A TDSR calculator estimates how much home loan you may be able to take based on Singapore's Total Debt Servicing Ratio framework. TDSR looks at your total monthly debt obligations, including the proposed home loan, car loan, personal loan, education loan, credit card debt and other mortgages, against your gross monthly income. For most property loans, the TDSR limit is currently 55% of gross monthly income.

The AsianPrime Affordability and TDSR Calculator estimates your indicative borrowing capacity by considering each borrower's monthly salary, existing monthly debt, age, property type, applicable TDSR threshold, applicable MSR cap, assumed interest rate, loan tenure and target property price. The result helps buyers understand whether a planned property purchase may be within broad financing limits before seeking formal bank approval.

The current TDSR limit for most property loans in Singapore is 55% of the borrower's gross monthly income. This means your total monthly debt repayments, including the new property loan instalment, should generally not exceed 55% of your gross monthly income.

TDSR includes your existing monthly debt obligations and the proposed property loan repayment. This may include car loans, personal loans, education loans, credit card debt, renovation loans, other mortgages and other recurring debt obligations. The AsianPrime calculator includes a field for existing monthly debt so buyers can factor these commitments into the affordability estimate.

Yes. TDSR generally applies to private residential property purchases in Singapore, including condominiums, apartments and landed properties. It is used by financial institutions to assess whether a borrower can manage the proposed property loan together with other existing debts.

For HDB flats and Executive Condominiums, buyers may need to consider both TDSR and MSR, depending on the loan type and property type. HDB states that for financial institution loans, MSR is up to 30% of monthly income and TDSR is not more than 55% of monthly income. For HDB housing loans, MSR applies, while TDSR is stated as not applicable.

MSR stands for Mortgage Servicing Ratio. It limits the portion of a borrower's gross monthly income that can be used for monthly housing loan repayments. For HDB flats and applicable Executive Condominium purchases, MSR is currently capped at 30% of monthly income.

TDSR measures all monthly debt obligations against gross monthly income, while MSR looks only at the monthly housing loan repayment against gross monthly income. TDSR is broader because it includes the proposed mortgage plus other debts. MSR is narrower but stricter for HDB flats and applicable Executive Condominium purchases.

Existing monthly debt affects your borrowing capacity because it reduces the amount of income available for the new property loan instalment. A buyer with high car loan, personal loan or credit card obligations may qualify for a smaller home loan, even if their income is relatively high.

Age affects the maximum loan tenure that may be used for affordability calculations. A shorter available loan tenure usually means higher monthly instalments for the same loan amount, which may reduce the maximum loan quantum that fits within TDSR or MSR limits.

The medium-term interest rate is used to stress-test the estimated monthly instalment. This helps assess whether the loan remains affordable under a prudent interest rate assumption rather than relying only on a promotional or short-term mortgage rate.

Loan-to-Value, or LTV, refers to the maximum loan amount expressed as a percentage of the property price or valuation, depending on the applicable rules. For example, an assumed LTV of 75% means the calculator estimates the loan based on up to 75% of the property value or purchase price, subject to other rules and affordability limits.

Yes. It is sensible to use a TDSR and affordability calculator before shortlisting properties. It gives you an indicative budget range, helps you avoid overcommitting and allows you to focus on properties that are more likely to fit your financing position.

No. The calculator gives an indicative estimate only. Actual loan approval depends on the bank or lender's assessment, credit checks, income documentation, property type, age, loan tenure, interest rate assumptions, regulatory rules and other underwriting criteria.

Your actual approved loan may be lower if the bank applies a different income assessment, haircut for variable income, shorter tenure, higher stress-test interest rate, lower property valuation, additional debt obligations or stricter credit criteria. The calculator should be used as a planning guide, not as a formal loan offer.

Yes. The calculator includes separate borrower fields for Owner 1 and Owner 2, allowing joint buyers to estimate affordability based on combined income, existing debt and age. This is useful for couples, family members or co-buyers assessing a shared property purchase.

Reducing existing debt may improve your borrowing capacity because it lowers your total monthly debt obligations under the TDSR framework. Paying down credit card balances, personal loans or car loans may help increase the monthly repayment amount available for your property loan, subject to lender assessment.

After using the calculator, buyers should compare the estimated loan amount against the target property price, down payment, CPF usage, cash requirement, Buyer's Stamp Duty, Additional Buyer's Stamp Duty if applicable, renovation cost and emergency reserves. You should also speak with a mortgage adviser or bank before committing to an Option to Purchase.