EastCondosThe Property by Design Quarterly
Singapore Loan Eligibility

How much can you borrow?

Three answers, one calculation. Your maximum loan for private property, HDB with HDB loan, and HDB with bank loan — all in one view.

TDSR, MSR, LTV and stress-test rates reflect MAS rules current on this date
Your numbers

Tell us about you

We only need your age and gross monthly income. Add your spouse if you're applying jointly — it nearly always raises your eligibility.

Used to calculate your maximum loan tenure.
Before tax, from your IRAS NOA or payslip.
Applying with a spouse?
Joint application combines both incomes and uses income-weighted age for tenure.
Your eligibility

Here's what you can borrow.

Drag the sliders inside each card to see how a longer tenure or different rate moves your numbers.

Option 01

Private property
Bank loan

Max loan
S$1.15M
55% TDSR · stressed at 4%
Implied max property
S$1.54M
at 75% LTV
Loan tenure30 yr
5 yrmax 30
Offered rate1.7%
0.5%6.0%
MonthlyS$4,087
Option 02

HDB flat
HDB loan

Max loan
S$661,274
30% MSR · 2.6% rate
Implied max property
S$881,699
at 75% LTV
Loan tenure25 yr
5 yrmax 25
HDB rate2.6%
2.0%4.0%
MonthlyS$3,000
Option 03

HDB flat
Bank loan

Max loan
S$568,357
30% MSR · stressed at 4%
Implied max property
S$757,810
at 75% LTV
Loan tenure25 yr
5 yrmax 25
Offered rate1.7%
0.5%6.0%
MonthlyS$2,327
i

Read this before you plan your budget

The implied max property above assumes a 75% loan-to-value. In practice, you can buy a more expensive property by topping up the difference with CPF savings or cash — the LTV limits the loan, not the purchase.

The loan figures also assume you have no existing debts (no car loan, no credit card balance, no other instalments). Existing debts reduce your eligible loan one-for-one.

For your precise number and the cleanest path to a higher approval, check with a professional.

The advisory

Want your exact number?

There are legal, structured ways to stretch your loan — pledging fixed deposits, income restructuring, joint applicant optimisation, CPF allocation. Most people leave money on the table because they don't know these exist.

Request a 7-min discovery call
Calculations follow MAS Notice 645 (TDSR 55%) and MAS Notice 632/825 (MSR 30%). Bank loan eligibility is calculated at the higher of your offered rate or the 4% stress floor. HDB loan uses the prevailing concessionary rate. Tenure is capped at age 65 with a max of 30 years (private) or 25 years (HDB). For joint applicants we use Income Weighted Average Age (IWAA). This tool is for indicative planning only — actual bank approval depends on credit history, property valuation, and underwriting.