MSR Calculator

See the maximum HDB or EC home loan your income can support under Singapore's Mortgage Servicing Ratio (MSR) rule.

Gross monthly income (S$)

Total income before CPF and tax. Combine co-applicants' incomes if you're buying together.

Loan tenure (years)

HDB loans run up to 25 years; bank loans on HDB/EC up to 30 (5–35 yrs).

The loan is solved at MAS's 4% medium-term stress rate, not today's actual rate — so the figure stays conservative, like the bank's.

Maximum HDB/EC home loan you can service

$568,357

Monthly repayment cap: $3,000/mo
MSR cap: 30%

Browse HDB & ECs in this range

How MSR is calculated

MSR caps your monthly home-loan repayment at 30% of your gross monthly income.
It applies ONLY to HDB flats and Executive Condominiums (ECs) — not private condos or landed property.
Like TDSR, it's computed at MAS's 4% medium-term stress interest rate.
For an HDB or EC your loan must satisfy BOTH MSR (30%) and TDSR (55%) — whichever gives the lower amount is your real limit.

Estimate only — not a bank assessment or financial advice. Your actual loan depends on the bank's credit assessment, income recognition, and prevailing MAS rules.

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