MSR (Mortgage Servicing Ratio) was introduced by MAS (Monetary Authority of Singapore) to ensure that borrowers do not over-leverage themselves and take on more loans than they can afford to pay back. That includes all types of loans including, but not limited to housing loans, car loans, credit card outstandings and so on.

As a general guideline a borrower is allowed to spend a maximum of 30% of his/her monthly income (if it is fixed like a salary, for variable income like business income haircuts will be applied) on repayment of loans for HDB and EC flats. Our calculator can help you to give you an estimation (but we cannot give legal advise) on how much you can approximately afford to borrow to buy a property and stay within the MSR limits. If in doubt, please schedule an appointment with us.

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