MSR Calculator

Mortgage Servicing Ratio (MSR) limits monthly repayments to loans granted for the purchase of HDB flats and executive condos to a maximum of 30% of your gross monthly income.

MSR deals only with your mortgage loan repayments and doesn’t take into account your other repayment obligations. It only applies to home loans for HDB and ECs. Meanwhile, TDSR factors in all of your repayment obligations including both secured and unsecured debts, and applies to any kind of loans including home loans. TDSR applies for private property only. For HDB and ECs, you have to pass both MSR and TDSR.