Calculate your Total Debt Servicing Ratio (TDSR). Singapore's MAS requires your TDSR to be at or below 55% to qualify for a property loan.
Income & Debt Details
TDSR threshold: ≤55% of gross monthly income
💰 Monthly Gross Income
S$
S$
S$
Only 70% of rental income is recognized under TDSR
💳 Existing Monthly Debt Obligations
S$
S$
S$
S$
MAS counts 5% of card outstanding balance as monthly obligation
S$
🏠 New Property Loan
S$
Your TDSR
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Max Monthly Loan (55% TDSR)
S$—
Gross Monthly Income
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Total Monthly Debt
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TDSR
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Headroom Left
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Total Gross Monthly Income
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CC Obligation (5% of balance)
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Total Monthly Debt (excl. new)
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Proposed New Loan Payment
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Total Debt Servicing
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TDSR
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55% TDSR Threshold
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Max New Loan (within 55%)
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ℹ️ TDSR applies to all property loans in Singapore (bank loans). HDB Concessionary Loans use MSR only. Always check with your bank for the latest MAS guidelines.
FAQ
What is TDSR?
Total Debt Servicing Ratio (TDSR) is a framework introduced by MAS in 2013 requiring that all monthly debt obligations (including the new loan) do not exceed 55% of a borrower's gross monthly income. It applies to all property loans from financial institutions.
What income is recognized under TDSR?
Employment income (100%), rental income (70%), commission/variable income (subject to haircuts), investment income (70%). Some income types require a sustained history (typically 12-24 months).
What debts are included in TDSR?
All monthly debt obligations: home loans, car loans, student loans, personal loans, and credit card payments (calculated as 5% of the outstanding card balance per month, not the minimum payment).
What if my TDSR exceeds 55%?
You may need to: reduce other debts first, choose a longer loan tenure (to lower monthly payments), use a co-borrower with additional income, reduce the loan amount, or make a larger down payment. HDB loan applicants also need to check MSR.