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; over 30 lowers the LTV ceiling.
The MAS floor is 4%.
Sets the Loan-to-Value ceiling.
Indicative only. A tenure beyond 30 years drops the LTV ceiling 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 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 tenure runs to age 65 on the income-weighted average age, so pairing a younger, higher-earning applicant with an older one extends both tenure and quantum. 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.