Tools
TDSR calculator
Total Debt Servicing Ratio (TDSR) caps all your monthly debt repayments, including a new home loan, at 55% of your assessable income. Work out your assessable income and the maximum loan it supports for a condo, landed home or second housing loan.
Banks count variable income at only 70% of its value, and stress-test at 4% a year regardless of your actual rate. TDSR applies to condos, landed and any second housing loan; HDB and EC loans within MOP use MSR instead. Rules as at 24 September 2026.
- Maximum loan this supports
- $897,541
- TDSR assessable income
- $8,700
- 55% TDSR ceiling
- $4,785
- Room left after other debts
- $4,285
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