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What can you safely buy?
Your buying power for a Singapore private property, in one place — the maximum loan the rules allow (TDSR and LTV), the price it supports, the cash + CPF you’ll need upfront, your monthly instalment, and the full stamp-duty and cost stack. Everything runs in your browser; nothing is stored or sent.
Your money
S$
Savings you can put in nowS$
Ordinary Account balanceS$
Total before CPF & taxS$
Bonus, commission, rent — counts at 70%S$
Other mortgages, car & personal loans, min. card repayment, student loansYour profile
The purchase & assumptions
S$
Leave blank to see your ceilingyrs
Blank = best (age-capped)%
Real instalment%
Used to qualify the loanS$
Editable assumptionmths
Months of instalments to keep asideHow is this worked out? — TDSR, LTV, stamp duties & the funds test
Max loan (TDSR)
MAS caps total debt at 55% of gross monthly income (TDSR). We take 55% of income, subtract your existing monthly debts, and convert what’s left into a loan using the stress-test rate (MAS medium-term floor, currently 4%) over your tenure. Variable / rental income is counted at 70%. MSR (30%) applies only to HDB flats & ECs, not private property.
Max loan (LTV)
Banks lend up to a Loan-to-Value limit: 75% for a 1st housing loan, 45% for a 2nd, 35% for a 3rd+. These drop to 55% / 25% / 15% if the tenure exceeds 30 years or the loan runs past age 65. Your actual loan is the lower of the TDSR and LTV ceilings.
Cash vs CPF
On a 75% loan the 25% downpayment is 5% cash minimum plus 20% cash or CPF OA; on lower-LTV loans 25% must be cash. CPF OA can also reimburse stamp duty. CPF usage is capped at the property’s Valuation Limit, then the Withdrawal Limit (120% of VL).
Stamp duties
BSD is tiered 1–6% (top 6% above $3m, from 15 Feb 2023). ABSD depends on profile & count: SC 0/20/30%, PR 5/30/35%, Foreigner 60%, Entity/Trust 65% (from 27 Apr 2023). Selling within 4 years also triggers SSD (16/12/8/4%, from 4 Jul 2025) — shown for planning only.
Your ceiling
Your max price is the lower of what your income supports (TDSR loan ÷ LTV) and what your cash + CPF can fund (downpayment + stamp duties + legal ~$3k + valuation ~$500). Renovation and reserve are set-asides, not required to transact.
Note: indicative only. Banks apply their own credit checks, income recognition, age and haircut rules; your approved amount can differ. Figures assume a single borrower — joint borrowers pool income and use income-weighted average age.
For educational purposes only — not financial advice. Confirm stamp duties with IRAS and loan eligibility with your bank or a mortgage adviser before transacting.