See the maximum home loan your income can support under Singapore's Total Debt Servicing Ratio (TDSR) rule.
Total income before CPF and tax. Include fixed allowances; banks haircut variable income.
Car loans, personal loans, other mortgages, plus about 3% of credit-card balances.
Usually 25–30 years. A longer tenure raises the loan you can service (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 home loan you can service
$1,041,989
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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