Singapore Property Affordability Calculator
This calculator tells you the maximum loan and maximum purchase price your banker can legally offer based on your income, existing debts, and the MAS stress test rules (TDSR 55% for private, MSR 30% for HDB/EC). It uses the MAS 4% stress test floor, not your actual promotional rate, because that's what every Singapore bank will underwrite against. Treat the result as your ceiling, not your comfortable budget.
How to read this result
- Max purchase price is the legal ceiling, your actual comfort level is usually 70--85% of that number.
- Existing car loans, credit card minimums, and co-signed loans eat into your TDSR room dollar-for-dollar.
- Cash at hand must cover downpayment (25%+), BSD + ABSD, legal fees, renovation, and 6--12 months of reserves.
Figures are estimates for planning purposes. Verify with your banker and solicitor before committing.