EC – Maximum Loan Eligibility Calculator

When purchasing a new HDB flat or Executive Condominium (EC) in Singapore, the buyer's loan payment is subject to the threshold of Mortgage Servicing Ratio (MSR). MSR is capped at 30% of all borrowers' gross monthly income. Calculation of MSR is based on loan amount and combined monthly gross income.

Use this MSR calculator, you can estimate:

  • the maximum loan amount (aka mortgage affordability)
  • the maximum EC property price.