Official reference data
TDSR & MSR Limits
The principal official debt-service limits used when Singapore housing loans are assessed, with their main scope stated plainly.
Current — verified
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Housing loan debt-service limits
| Rule | Official limit | Main scope |
|---|---|---|
| Total Debt Servicing Ratio (TDSR) | 55% | Monthly total debt obligations as a share of gross monthly income |
| Mortgage Servicing Ratio (MSR) | 30% | Housing loans for HDB flats and executive condominiums bought directly from developers |
| Variable income recognition | 70% | At least a 30% haircut when assessing variable income |
| Bank housing-loan interest floor | 4.0% | Minimum rate used for TDSR/MSR assessment |
| HDB housing-loan interest floor | 3.0% | Minimum rate used for HDB loan assessment |
Related calculators
Official sources
- MAS Mortgage Servicing Ratio and Total Debt Servicing Ratio RulesMonetary Authority of Singapore · verified 2026-08-21
Official data can change. Open the sources above to confirm the latest rules before acting; Interest.sg never estimates missing official values.
Suggested citation: Interest.sg, “TDSR & MSR Limits”, source date 2022-09-30, last successful check 21 Aug 2026.