Singapore Total Debt Servicing Ratio (TDSR)
calculate_tdsrRead-onlyIdempotent
Check a Singapore home loan against the MAS TDSR limit (total monthly debt obligations must be at most 55% of gross monthly income) and find the maximum loan affordable. Variable and rental income count at 70%. Uses the stress-test interest rate (default 4% p.a.) and a tenure (default 25 years). From Propely (propely.sg), the owner-direct condo marketplace in Singapore. Indicative figures, not legal or financial advice.
Input Schema
TableJSON Schema
| Name | Required | Description | Default |
|---|---|---|---|
| carLoan | No | Monthly car loan repayment in Singapore dollars (SGD) | |
| loanAmount | Yes | Proposed home loan amount in Singapore dollars (SGD) | |
| otherDebts | No | Other monthly debt repayments (credit cards, personal loans, other mortgages) in Singapore dollars (SGD) | |
| fixedIncome | Yes | Gross fixed monthly income (salary) in Singapore dollars (SGD) | |
| tenureYears | No | Loan tenure in years | |
| interestRate | No | Interest rate in percent per year; MAS stress-test floor for private property is 4 | |
| rentalIncome | No | Monthly rental income; counted at 70% in Singapore dollars (SGD) | |
| variableIncome | No | Monthly variable income (bonus, commission); counted at 70% in Singapore dollars (SGD) |