💡 First-time buyer?
Start with your income
Banks use the Mortgage Servicing Ratio (MSR) to determine how much you can borrow. Your monthly mortgage payment cannot exceed 30% of your gross monthly income.
Learn more about MSR1 of 3
Calculated using MSR (30%) limit
Individual income assessment
Income Details
Profile & Debts
Max Loan Tenure
0
yearsUnderstanding MSR (Mortgage Servicing Ratio)
MSR is a limit set by MAS (Monetary Authority of Singapore) to ensure you don't overextend yourself financially.
The 30% Rule:
Your monthly mortgage payment + other debts cannot exceed 30% of your gross monthly income.
This protects you from taking on more debt than you can comfortably afford.
Calculations are estimates based on current MAS regulations. Actual eligibility depends on bank assessment.