MSR, or Mortgage Servicing Ratio, limits your monthly mortgage payments to 30% of your gross monthly income. It applies to HDB flats and Executive Condominiums.

TDSR, or Total Debt Servicing Ratio, ensures your total monthly debt obligations (including car loans and credit cards) do not exceed 55% of your gross monthly income.

How do I calculate my MSR and TDSR?

Enter your monthly income and all ongoing loan commitments into the calculator. It will automatically compute your maximum loan amount under MSR and TDSR limits.

Why is the MSR & TDSR Calculator important for EC buyers?

The calculator helps EC buyers understand their loan capacity and ensures they meet MAS and HDB financial regulations before committing to a purchase.

MSR / TDSR Calculator

Mortgage servicing ratio (MSR) refers to the portion of a borrower’s gross monthly income that goes towards repaying all property loans, including the loan being applied for. MSR is capped at 30% of a borrower's gross monthly income. It applies only to housing loans for the purchase of an HDB flat, or an executive condominium where the minimum occupation period of the executive condominium has not expired.

Total debt servicing ratio (TDSR) refers to the portion of a borrower’s gross monthly income that goes towards repaying the monthly debt obligations, including the loan being applied for. A borrower's TDSR should be less than or equal to 55%.

If you’re applying for a loan from a financial institution (bank or finance company) to purchase an EC, both MSR and TDSR thresholds will be considered. You must meet both criteria to be eligible for the loan.

Applicant 1's Age	Eg. 25	Applicant 2's Age	Eg. 25
Applicant 1's Avg Monthly Income	Eg. 5,500	Applicant 2's Avg Monthly Income	Eg. 5,500
Applicant 1's Annual Bonus (if any)	Eg. 5,500	Applicant 2's Annual Bonus (if any)	Eg. 5,500
Total Monthly Debt for all Applicants (credit cards, car loan etc)		Eg. 2,000

MSR / TDSR Calculator

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