Use our free MSR calculator to find out the Mortgage Servicing Ratio and understand how much of your income can spent on mortgage payments. Try it now!

Property Details

What type of property are you buying?

HDB FlatExecutive Condo

Property Status

Under ConstructionCompleted

Purchase Type

SingleWith Spouse

Your Details

Age

SingaporeanPRForeigner

Properties Owned

012+

Current Home Loans

012+

Finances

S$Fixed Monthly Income

S$Variable Monthly Income

S$Cash Available

S$CPF Available

Monthly Financial Commitments

S$Credit Cards Minimum Payments

S$Home Loans

S$Car Loans

S$Other Commitments

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Name

Email

Phone

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Here’s how much you need for your dream

Max Loan Amount

S$ __

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Best Fixed Rate Package

Monthly Instalments Year 1

Interest Rate Year 1

NaN%

Lock-in Period

year

Rate Type

Fixed

Best Floating Rate Package

Monthly Instalments Year 1

Interest Rate Year 1

NaN%

Lock-in Period

year

Rate Type

Floating

Rates and fees as of October 16

These home loan recommendations are based on the information entered above. The results do not include other factors such as lock-in period. To learn more about your true savings, get in touch with one of our mortgage specialists.

Book a call

A MoneySmart Mortgage Specialist will be contacting you to help you secure the best home loan in town.

Name

Email

Phone

Thank you!

A MoneySmart Mortgage Specialist will be contacting you to help you secure the best home loan in town.

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Frequently Asked Questions

What is MSR Ratio?

Mortgage Servicing Ratio limits up to 30% of the borrower's monthly gross income to pay for property loans. However, it is only applicable to HDB flats and Executive Condominiums (ECs).

How is MSR calculated?

Formula for MSR: (monthly repayment instalments/gross monthly income) x 100% less than or equal 30%. MSR limit is capped at a maximum of 30% your monthly income.

Debt Consolidation Plan

Renovation Loan