Maximum Loan Eligibility Calculator (TDSR)

TDSR stands for Total Debt Servicing Ratio. It was implemented by the Singapore Government to ensure purchasers borrow prudently. TDSR caps the amount individuals can spend on debt repayments to 55 percent of their gross monthly income (revised downwards from 60 percent by the Singapore Government on 16 December 2021). Any outstanding debt will trim the amount you could borrow. Variable income will not be counted in full and be subjected to a percentage reduction in the computations.

Use the calculator below to determine the estimated loan you can obtain based on your finances, age and outstanding debts.