Property

Mortgage Affordability Calculator

Explore an estimated maximum housing loan and downpayment breakdown under Singapore lending rules, with every applied limit made visible.

✓ Results shown free✓ Dated source references✓ General information only

Live calculator

Estimates affordability using Singapore TDSR, MSR, LTV, tenure and financing rules verified on 15 Aug 2026.

Your scenario

Set the property, borrowers, loan and funds available.

Rules verified 15 Aug 2026

What do you want to find?

Maximum property budgetEstimate the highest price supported by income and available funds.Check a specific propertyTest a purchase price and valuation for funding gaps.

Property and loan

Property type*Loan source*Property tenureRemaining lease*

years

Cases needing CPF lease proration are redirected to official assessment tools.

Borrowers and income

Borrower 1

Age*Fixed monthly gross income*

Variable monthly income

Loan assessment

Other monthly debt repayments

Requested loan tenure*

years

Package / current interest rate*

Optional personal monthly budget

Shown separately from the regulatory maximum and applied only when lower.

Funds and reserves

Cash available*

CPF OA you know can be used*

Housing grants

Cash to retain

CPF OA to retain

Other upfront costs

Enter your own estimate. BSD, ABSD, legal, renovation and agent fees are not calculated automatically.

⌁ Calculated in your browser. Inputs are sent only when you choose to save or export.

Clear outputs

What this tool will show

Each result stays connected to the inputs and rules used.

01Estimated maximum loan
02Monthly repayment at package rate
03TDSR and MSR checks
04LTV limitation
05Cash and CPF downpayment

Transparency standard

The workings stay visible from day one.

✓

Official rules

Applied parameters include a source and verification date.

✓

Assumptions

User inputs and defaults are clearly separated.

✓

Limits

Scope and exclusions appear beside the result.

Read the full methodology→

interest.sg provides general information, dated reference data and calculation tools. Results are estimates—not financial, investment, legal, tax, property, valuation, CPF, HDB, lending, insurance or protection advice. Verify material decisions with the relevant authority or a qualified professional.

Read full disclaimer→

Mortgage Affordability Calculator

Your scenario

What this tool will show

The workings stay visible from day one.

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