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Affordability Calculator

Estimate your maximum purchase price on an HDB flat, EC, or private condo, based on your income, existing debt, and current MAS lending rules. This is an estimate, not a bank's actual credit decision.

Rates and rules used

Bank loans are assessed at MAS's 4% stress-test rate, subject to TDSR (55%) and MSR (30%, HDB/EC only). A bank's own assessment of your real income and credit history may differ. Message Rae for an HDB concessionary loan (HLE) comparison.

Buyer 1

Total annual bonus, AWS, and commission combined.

Recognized monthly income

$8,000
How is this calculated?

Monthly fixed income, plus annual variable income ÷ 12, counted at 70% per MAS rules.

Credit cards, car loan, study loan, other loans, combined household monthly payment.

Combined across buyers into one household total. Leave both blank to see loan-eligibility-only results, same as before, or fill either in to see how much your cash and CPF actually let you afford.

HDB Flat

Bank loan, MSR (30%) and TDSR (55%), whichever is tighter

$606,248

Estimated monthly installment: $1,840 (at today's typical fixed rate, about 1.6%)

Actual rates and payments vary by bank and package. Chat with Rae for current options.

Executive Condo (EC)

Bank loan, MSR and TDSR apply

$670,276

Estimated monthly installment: $1,759 (at today's typical fixed rate, about 1.6%)

Actual rates and payments vary by bank and package. Chat with Rae for current options.

Private Condo

Bank loan, TDSR only, no MSR

$1,228,839

Estimated monthly installment: $3,225 (at today's typical fixed rate, about 1.6%)

Actual rates and payments vary by bank and package. Chat with Rae for current options.

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New launches in your range

None of our current launches fit this exact range. Chat with Rae to explore options.

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