🇸🇬 Singapore Home Loan Calculator
Singapore Home Loan Guide 2026
In Singapore, home loans are regulated by the Monetary Authority of Singapore (MAS). The Total Debt Servicing Ratio (TDSR) limits your total monthly debt repayments to 55% of your gross monthly income. The Mortgage Servicing Ratio (MSR) applies specifically to HDB loans and executive condominiums, limiting mortgage repayments to 30% of gross income.
Singapore home loan rates in 2026 typically range from 3% to 4.5% for bank loans. HDB concessionary loans are available at 2.6% (0.1% above CPF OA rate). CPF savings can be used for down payments and monthly repayments, subject to CPF usage rules and the Valuation Limit.
Singapore Home Loan FAQs 2026
What is the TDSR limit in Singapore 2026?
The TDSR is 55% of gross monthly income. This means all your monthly debt repayments — home loan, car loan, credit cards, and other loans — cannot exceed 55% of what you earn before tax.
Can I use CPF for my home loan in Singapore?
Yes. You can use CPF Ordinary Account (OA) savings for the down payment and monthly repayments. However, CPF usage is subject to the Valuation Limit and the Withdrawal Limit, which cap the total CPF you can use on a property.
What is the minimum down payment for a private property in Singapore?
For private properties in Singapore, the minimum down payment is 25% of the purchase price — at least 5% must be paid in cash, and the remaining 20% can be paid using CPF OA savings. The maximum loan amount is 75% of the property value.
💡 Tips
TDSR Limit is 55%
Total Debt Servicing Ratio cannot exceed 55% of gross income. This limits how much you can borrow.
Use CPF for Down Payment
You can use CPF Ordinary Account savings for your down payment and monthly repayments.