This calculator estimates the maximum housing loan an income can support for a purchase at Bedok Rise Residences, under the Monetary Authority of Singapore’s Total Debt Servicing Ratio framework, and compares it with the Loan-to-Value ceiling so the binding limit is clear. Bedok Rise Residences is private residential property, so the private-property rules apply. The framework is set out on the housing loan page.
MAS applies a minimum 30% haircut.
MAS applies a minimum 30% haircut.
Maximum 35 years; over 30, or a loan running past age 65, lowers the LTV ceiling.
The MAS floor is 4%; lower rates are assessed at 4%.
Sets the Loan-to-Value ceiling.
Indicative only. A tenure beyond 30 years, or a loan running past age 65 (on the income-weighted average age for joint applicants), drops the LTV ceiling to 55%, 25% or 15% and raises the minimum cash downpayment. Where the LTV limit falls below the TDSR limit, the property loan is the binding constraint. Banks apply their own credit policies — confirm with a bank, or ask the Sales Concierge to arrange an In-Principle Approval. Rates per MAS, verified 26 September 2026.
A bank starts from assessed income: fixed income in full, and variable income such as bonuses and commission averaged monthly after a haircut of at least 30 per cent. Up to 55 per cent of that figure may go to monthly debt repayments. The room left after existing commitments is converted into a loan amount at the assessment rate over the permitted tenure.
For joint borrowers the age-65 test uses the income-weighted average age: a loan that would still be running after 65 on that age, or a tenure over 30 years, takes the lower loan-to-value band, so pairing a younger, higher-earning applicant with an older one helps keep a longer loan at the full ceiling. The result is then capped by the Loan-to-Value limit, and the lower of the two is the one that binds.
Combine this result with the stamp duty calculator and the progressive payment calculator for the full plan, then arrange a preview.