MAS
TDSR: the 55% total debt servicing ratio cap
Answers:What is the TDSR limit in Singapore?
Checked against the source 2026-08-01
The rule
The Total Debt Servicing Ratio caps a borrower's total monthly debt obligations at 55% of gross monthly income.
- Issued by
- MAS
- Applies to
- All property loans from financial institutions in Singapore.
- Source
- MAS, official guidance
Where this goes wrong
Treating TDSR as applying only to the mortgage. It includes car loans, personal loans, student loans and credit card minimums.
Worked through
Combined income S$18,000 a month, S$1,500 of existing monthly debt, a $1,800,000 purchase over 25 years.
| Instalment at the stressed 4% rate | $7,126 |
|---|---|
| TDSR usedCounts the mortgage plus every other monthly obligation. | 47.9% of the 55% cap |
| Highest price that clears every gate | $2,120,000 |
LTV cap (75%) — you have income headroom but need more equity.
Computed with the same functions as the calculators on this site. An illustration, not tax advice — confirm your own position with MAS or your conveyancing lawyer before you commit to anything.
Run this on your own numbersAlso from MAS
Go deeper
Rules change, and a figure without a date is worth nothing. Ask whether this is still current before you rely on it for a decision.