Your numbers
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Enter your income, savings, and loan tenure. See your maximum property budget, loan amount, and monthly repayment — calculated against HDB's MSR and TDSR rules. Updated for 2026 cooling-measure rules.
All calculations happen locally in your browser — nothing is sent or stored.
Estimates only. Based on simplified HDB MSR (30% of gross income), TDSR (55% for bank loans, per MAS rules), and LTV 75% cap. Bank loan calculations use 4% MAS stress rate — the minimum banks must use to assess loan eligibility. Your actual monthly payment at today's market rate (~2.5% for a typical fixed package) is shown separately and will be meaningfully lower. HDB concessionary loan rate is 2.6%. Final approval depends on credit assessment, property valuation, HFE letter, and current cooling measures. Speak to me for a detailed budget plan for your specific situation.