Borrowing Capacity Estimate

Estimate a possible bank-loan range under TDSR, MSR and LTV assumptions. Only a bank IPA or HDB HFE letter is authoritative.

Property type

Existing home loans

Purchase price (S$)

Valuation (S$, blank = same as price)

Target tenure (years)

Applicants

Age

Gross monthly income (S$)

Other monthly debts (S$)

Car loan

Credit card & unsecured

Existing home loan repayments

Other fixed debts

Available cash + CPF (S$, optional)

Indicative estimate

Complete the form and select Estimate. Inputs are sent to this site for the calculation and are not stored.

This is an indicative estimate only, not an In-Principle Approval, not an HDB HFE assessment and not a loan approval. It does not cover income haircuts, variable income, guarantors, exemptions or bank-specific credit policies. Rules: 2026-01-01.
Sources: MoneySense, HDB