HDB & Home Loan Calculator

Max loan under the TDSR / MSR rules, monthly instalment and the cash you need up front.

Runs 100% in your browser - nothing leaves your device

Purchase price

Gross monthly household income

Other monthly debts (car, cards)

Loan tenure (years)

Interest rate (% p.a.)

Maximum loan$341,014

Limited byMSR (30% of income)

Monthly instalment (at 2.6%)$1,547

Cash / CPF needed up front$208,986

Buyer’s Stamp Duty$11,100

How this is worked out

TDSR caps all your monthly debt repayments at 55% of gross income; MSR further caps the home loan instalment at 30% of income for HDB flats and ECs. The maximum loan is found at a stress-test rate of 4% p.a. (or your rate if higher), then capped at 75% of the price. Your actual instalment above uses the rate you entered.

Estimates only, based on published MAS TDSR/MSR rules and a 4% stress-test rate. LTV, tenure and eligibility can vary by property type, age and existing loans. Confirm with HDB or your bank before committing.