Understand how the 30% MSR and 55% TDSR rules affect your HDB loan eligibility in 2026. Learn tips to clear debts and increase your property affordability.
👥 Household & Income
💰 Savings & Grants
💡 This tool generates results automatically using standard methods and your input data. Please review outputs carefully and verify important information when necessary.
🇸🇬 How to Use the HDB Affordability Calculator (2026)
Select Household Type
Choose whether you are applying as a Family Nucleus, Single Citizen, or Joint Singles. This determines your eligibility for specific HDB housing grants and income ceilings.
Input Gross Monthly Income
Enter your combined household monthly income. Our tool uses this to calculate your MSR (30% rule) and determine the maximum loan you can borrow from HDB.
Enter Applicant's Age
Provide the age of the youngest applicant. HDB caps the loan tenure at 25 years or until the age of 65, whichever is shorter, which directly affects your affordability.
Add Existing Debt Obligations
Input monthly debts like car loans or credit card installments. This ensures the calculation stays within the TDSR (55%) limit for a realistic financial assessment.
Check CPF OA & Cash Savings
Enter your current CPF Ordinary Account balance and available cash. These funds are crucial for your 25% downpayment and affect the maximum property price you can afford.
Toggle Grant Eligibility
Indicate if you are a first-timer or living near parents. The tool will automatically estimate your Enhanced Housing Grant (EHG) and Proximity Housing Grant (PHG).
Calculate Max Property Price
Click the button to reveal the maximum property price you can afford. This calculation accounts for the 75% LTV (Loan-to-Value) limit and your total capital.
Review Funding Breakdown
Analyze the interactive doughnut chart to see how your future home will be funded through a mix of HDB loan, government grants, and your personal savings.
Read Smart Property Advice
Check the personalized advice section to see which flat types (3-room, 4-room, or 5-room) and locations best fit your estimated budget and financial profile.
Plan Your HFE Application
Use these results as a guide before applying for your official HDB Flat Eligibility (HFE) letter, ensuring you have a clear budget in mind for your home search.
🇸🇬 MSR and TDSR Explained: How These Limits Decide Your HDB Loan
Singapore mein ghar kharidte waqt sabse bada sawal hota hai—"Mujhe kitna loan mil sakta hai?" Aksar log apni gross salary dekh kar khush ho jate hain, lekin reality tab pata chalti hai jab HDB ya Bank unka loan amount "MSR" aur "TDSR" ke naam par kam kar deta hai. 2026 mein, in regulatory limits ko samjhna pehle se zyada zaroori hai kyunki property prices aur interest rates mein badlav aaya hai.
Agar aapka home loan application reject hua hai ya aapko umeed se kam loan mil raha hai, toh iska 90% reason MSR ya TDSR hota hai. Ye rules Singapore government ne isliye banaye hain taaki log itna bada karza na le lein jise wo chuka na sakein. Is guide mein hum in dono technical terms ko asaan bhasha mein samjhenge taaki aap apna budget sahi se plan kar sakein.
1. MSR (Mortgage Servicing Ratio) – Sirf HDB Ke Liye
MSR ka rule simple hai: Aapke ghar ki monthly loan installment aapki monthly gross salary ke 30% se zyada nahi honi chahiye.
Ye rule sirf HDB flats aur Executive Condominiums (ECs) par apply hota hai. Agar aapki combined household income S$8,000 hai, toh HDB ya bank ye dekhega ki aapki monthly EMI S$2,400 ($8,000 ka 30%) se upar na jaye. Chahe aapka bank balance kitna bhi ho, agar EMI is limit ko cross karti hai, toh aapka loan amount reduce kar diya jayega.
2. TDSR (Total Debt Servicing Ratio) – Aapka Pura Karza
MSR sirf aapke ghar ke loan ko dekhta hai, lekin TDSR (Total Debt Servicing Ratio) aapke poore financial background ko check karta hai. 2026 mein TDSR ki limit 55% hai.
Iska matlab hai ki aapke saare monthly debts (Home Loan + Car Loan + Credit Card Bills + Personal Loans + Student Loans) aapki monthly income ke 55% se zyada nahi hone chahiye. Agar aapne ek mehengi gaadi li hai jiski EMI S$1,500 hai, toh wo directly aapke home loan ki eligibility ko kam kar degi.
3. MSR vs TDSR: Kaunsa Zyada Important Hai?
HDB kharidne walo ke liye dono important hain. Bank ya HDB dono limits ko check karenge aur jo bhi limit sabse pehle hit hogi, uske hisab se aapka loan final hoga.
- MSR: Ye decide karta hai ki aap HDB flat ke liye kitna mortgage handle kar sakte hain.
- TDSR: Ye check karta hai ki aap overall debt ke bojh tale dabe toh nahi hain.
Hamara HDB Affordability Calculator in dono ratios ko background mein automatically calculate karta hai, taaki aapko complex math na karna pade.
4. 2026 Mein Loan Eligibility Kaise Badhayein?
Agar aapko lagta hai ki MSR/TDSR ki wajah se aapka dream home haath se nikal raha hai, toh ye 3 tips kaam aa sakti hain:
1. Existing Debt ko Khatam Karein: Home loan apply karne se 6 mahine pehle apne credit card balances aur personal loans ko clear kar dein. Isse aapka TDSR room badh jayega.
2. Loan Tenure Badhayein: Jitna lamba loan tenure hoga, utni hi kam monthly EMI hogi. Kam EMI ka matlab hai ki aap 30% MSR limit ke andar reh kar bada loan le sakte hain.
3. Joint Application: Agar aap single hain aur loan kam mil raha hai, toh family member ya spouse ko joint applicant banane se income badh jati hai, jisse affordability improve hoti hai.
5. Case Study: Income S$6,000 vs Debts
Maan lijiye John S$6,000 kamata hai.
• MSR Limit (30%): S$1,800. Uska home loan EMI isse zyada nahi ho sakta.
• TDSR Limit (55%): S$3,300. Uska total debt isse zyada nahi ho sakta.
Agar John ki car EMI S$1,200 hai, toh uske paas home loan ke liye sirf S$2,100 (S$3,300 - S$1,200) bachta hai. Lekin MSR rule ke mutabiq wo sirf S$1,800 hi use kar sakta hai. Is case mein **MSR** decide karega ki use kitna loan milega.
Conclusion: Calculation Se Pehle Decision Na Lein
MSR aur TDSR sirf numbers nahi hain, ye aapki financial security ka hissa hain. Singapore property market mein sahi decision wahi hai jo aapke wallet par bhari na pade. Bina in limits ko jaane ghar dekhna sirf waqt ki barbadi hai.
Hamare HDB Affordability Calculator ka use karein jo latest 2026 rules (30% MSR and 55% TDSR) par based hai. Bas apni details enter karein aur instant result payein ki aap legal limits ke hisab se kitna borrow kar sakte hain.
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❓ HDB Affordability Calculator – Frequently Asked Questions
1. How much HDB loan can I get based on my income?
HDB loans are primarily governed by the Mortgage Servicing Ratio (MSR), which caps your monthly installment at 30% of your gross monthly income. For example, if your household earns S$6,000, your max EMI is S$1,800. The total loan amount depends on this EMI, the current interest rate (2.6%), and your age.
2. What is the current LTV limit for HDB loans in 2026?
As of the latest cooling measures, the Loan-to-Value (LTV) limit for HDB housing loans is 75%. This means you can borrow up to 75% of the flat's purchase price or valuation (whichever is lower). The remaining 25% must be covered by your CPF OA savings, cash, or housing grants.
3. How does my age affect my HDB affordability?
Your age determines your maximum loan tenure. HDB caps the tenure at 25 years or until the youngest applicant reaches age 65. A shorter tenure (if you are older) means higher monthly repayments, which may reduce the total loan amount you are eligible for.
4. Can I still buy a flat if my MSR exceeds 30%?
No, if you are taking an HDB loan or a bank loan for an HDB flat, you must strictly adhere to the 30% MSR limit. If your calculated EMI exceeds this, you will need to increase your downpayment or choose a more affordable property to bring the loan amount down.
5. What is the difference between MSR and TDSR?
MSR (Mortgage Servicing Ratio) applies only to HDB flats and ECs, capping home loan installments at 30% of income. TDSR (Total Debt Servicing Ratio) applies to all property loans and caps your total monthly debt obligations (including car loans, credit cards, etc.) at 55% of your income.
6. How are CPF Housing Grants factored into affordability?
Housing grants like the EHG (up to S$120k) and PHG (up to S$30k) act as "additional capital." They reduce the loan amount you need to borrow, effectively increasing your affordability and helping you cover the 25% downpayment requirement.
7. Is the HDB Affordability Calculator 100% accurate?
Our calculator provides a very close estimate based on current HDB policies (MSR, LTV, Interest Rates). However, the final official figure will be determined by HDB when you apply for your HFE (HDB Flat Eligibility) letter, as they verify your actual credit score and financial documents.
8. Does having an existing car loan reduce my home loan?
Yes. Under the TDSR (Total Debt Servicing Ratio) rule, your total monthly debt cannot exceed 55% of your income. If a large portion of your income goes toward a car loan, HDB or banks will reduce your eligible home loan amount to stay within this safety limit.
9. Can I use 100% of my CPF OA for the downpayment?
While you can use most of your CPF OA for the downpayment and installments, HDB allows you to retain up to S$20,000 in your OA as a safety buffer. Using all your CPF may help you buy a bigger home, but retaining some provides a cushion for future emergencies.
10. Why should I use this calculator before applying for an HFE letter?
Applying for an HFE letter can take several weeks. Using our calculator gives you an instant "sanity check" of your budget so you don't waste time viewing houses that are beyond your financial reach or miss out on grants you didn't know existed.