⚠This is an estimate, not an offer. Your confirmed maximum loan is determined by your bank after their own full credit assessment and documentation. Actual figures may differ from what's shown here.
No. of Applicants (1)
Affordability Assessment
Income Weighted Average Age—
Total Assessable Income$0
Total CPF (OA) Contribution$0
Total Monthly Debt Obligation$0
MAS Loan Assessment (Stress-Test) Rate4%
How this is calculated — Max loan = affordability budget × present-value annuity factor at the MAS stress-test rate over the applicable tenure. For Private Property the budget is the TDSR limit (55% of assessable income, less monthly debt). For EC and HDB Resale the budget is the lower of the MSR limit (30% of income) and the TDSR limit. Loan tenure is capped at 30/35 yrs (private & EC) or 25/30 yrs (HDB) and further capped so age + tenure ≤ 65 yrs (higher LTV) or ≤ 75 yrs (lower LTV), using the income-weighted average age. Installment figures use each property type's own indicative bank rate, editable above each column. This tool is for indicative planning only — actual eligibility is set by MAS regulations and each bank's credit assessment.