Finance · Tool 21

TDSR / MSR capacity

Borrowing power after existing commitments, using the selected regulatory gate.

Decision questionHow much loan can the monthly-income gate support?

Rules reviewed10 Aug 2026MAS / MoneySense basis

02 · Primary answerPasses entered checks

Maximum stressed loan

S$1,361,49855% TDSR gate assessed at the 4% planning stress rate.

Monthly capacityS$6,500

Gross monthly incomeS$14,000

Other debtS$1,200

Decision shaperelative scale

Housing capacity

S$6,500

Other commitments

S$1,200

Unallocated income

S$6,300

NAVARO read

Every dollar of monthly debt removed increases the housing-payment capacity by one dollar before loan conversion.

03 · Calculation trail

See the number being built.

The line items use the same engine as the primary answer. Negative rows are deductions, not hidden adjustments.

01Income × 55%S$7,700

02Less relevant monthly debt−S$1,200

03Monthly housing capacityS$6,500

04Maximum stressed loanS$1,361,498

Continue the decision