This calculator estimates the maximum housing loan an income can support for a purchase at One Chuan Grove, under the Monetary Authority of Singapore’s Total Debt Servicing Ratio framework, and compares it against the Loan-to-Value ceiling so the binding limit is clear. One Chuan Grove is private residential property, so the private-property rules apply and the Mortgage Servicing Ratio does not. 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; a tenure over 30, or a loan ending after age 65, lowers the LTV ceiling.
The MAS floor is 4%; anything lower is assessed at 4%.
Sets the Loan-to-Value ceiling.
Indicative only. MAS applies its lower LTV band — 55%, 25% or 15% by the number of housing loans outstanding — when the tenure runs beyond 30 years or the loan would end after age 65 (income-weighted for joint applicants), and the minimum cash downpayment rises with it. 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 18 September 2026.
A bank first computes assessed income: fixed income in full, and variable income — bonuses, commissions, allowances, rental — averaged monthly and reduced by at least 30 per cent. The TDSR ceiling is 55 per cent of that figure across every monthly debt obligation, and the headroom left after existing commitments is converted into a loan quantum at the assessment rate over the permitted tenure.
For joint borrowers the age that matters is the income-weighted average age. If the loan would end after 65 on that age, or the tenure is longer than 30 years, the lower loan-to-value band applies, which is why a younger, higher-earning co-borrower can keep a longer loan at the full ceiling. The result is then capped by the Loan-to-Value ceiling, and whichever limit is lower is the one that binds.
Stack this result with the stamp duty calculator and the progressive payment calculator for the full picture, then arrange a preview.