Find out before the bank does.

HDB and the Monetary Authority of Singapore use a 4.0% stress-test rate when assessing your max loan, regardless of what the actual mortgage rate is today. They also cap your Total Debt Servicing Ratio (TDSR) at 55% of monthly income, and your Mortgage Servicing Ratio (MSR, HDB only) at 30%.

Most calculators do not combine all three. This one does. Enter the listing price, your gross monthly income, and any monthly debt obligations (car loan, credit card minimums, study loan).

Note: this is a directional estimate. Final approval depends on Income Type Adjustment Factor (1.0x for fixed salary, 0.7x for variable / commission), CPF balance, and the lender's internal credit score. We do not replace the official HFE application at HDB.