Affordability Calculator

Purchase Eligibility
Calculator

Estimate your maximum purchase price based on Singapore's TDSR framework. This tool provides a general guide — consult a mortgage specialist for a precise assessment.

Your Financial Profile

Combined gross monthly income of all borrowers

Used to calculate the maximum allowable loan tenure (must repay by age 65).

Default: 4% (stress test rate)

Max 30 years for private property. Loan tenure must not extend beyond age 65.

Your Results Will Appear Here

Fill in your financial details on the left and click "Calculate My Eligibility" to see your estimated maximum purchase price and eligible unit types.

How It Works
TDSR limits monthly loan repayment to 55% of gross income
LTV is 75% for first property, 45% for second
Maximum loan tenure is 30 years for private property
Loan tenure must not extend beyond age 65 — enter your age to auto-calculate your maximum tenure
Stress test rate of 4% is used for conservative estimates

Disclaimer: This calculator provides estimates for general guidance only. Results do not constitute financial advice. Actual loan eligibility depends on individual credit assessment, existing liabilities, and prevailing bank policies. Please consult a licensed mortgage specialist for accurate advice.