Condo Affordability Calculator (Estimate)
Estimated Affordability
Maximum monthly payment (TDSR 55%): SGD 4,300
Maximum loan at 75% LTV: SGD 1,019,914
Maximum property price: SGD 1,169,914
Estimated monthly instalment on max loan: SGD 4,300
⚠️Estimates only. This tool provides indicative calculations and is not financial or legal advice. Check with banks, CPF and licensed professionals for exact figures.
How to use this tool
- Enter household income, monthly debt, down payment funds, CPF OA balance, interest rate, and loan tenure.
- Review TDSR-based monthly serviceability, estimated maximum loan, and estimated maximum property price.
- Stress test the result before shortlisting condos or speaking with banks.
Frequently asked questions
How is condo affordability calculated in Singapore?
Affordability depends on income, existing debt, TDSR limits, loan tenure, interest rate, cash, CPF, and down payment availability.
What is TDSR for Singapore property buyers?
TDSR is Total Debt Servicing Ratio. It limits how much of your monthly income can go toward debt repayments, including the new mortgage.
Should I rely only on maximum affordability?
No. Maximum affordability is a ceiling, not a comfort budget. Keep buffers for rate increases, maintenance fees, renovation, and life changes.
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