Correction, 24 October 2026: This page’s former universal lending rules, income and credit-card assumptions, refinancing exemptions and loan-amount illustrations have been withdrawn. They overstated the scope of TDSR, restricted MSR to developer EC purchases and presented an assessment rate and co-borrower arrangements too broadly. Do not use the old tables, FAQs or graphics to calculate an approval.
MoneySense’s current comparison distinguishes HDB loans, for which TDSR is not applicable, from bank loans. It gives TDSR as 55% and MSR as 30%, with the latter applying to HDB flats and ECs whose minimum occupation period has not expired. The lender must assess the actual application and applicable conditions.
The earlier S$3,800 monthly-payment example was a rate-and-tenure illustration, not a verified loan approval. It and the associated diagrams have been removed so the withdrawn guidance cannot be mistaken for an assessment of a buyer’s application.
Read the corrected affordability guide for the distinction between lending ratios and a household cash budget. Bring the income, debt and selected-property details to the lender rather than treating an online calculation as approval. Lin Xuan or Ade can arrange a banker introduction.
Singapore River at Robertson Quay, photographed 14 August 2022. Photo: Wzhkevin, Wikimedia Commons. CC BY-SA 4.0. Resized for web. Neighbourhood context, not a valuation. Source: https://commons.wikimedia.org/wiki/File:Singapore_River_at_Robertson_Quay_-_2022-08-14.jpg. Licence: https://creativecommons.org/licenses/by-sa/4.0/.
Need a brochure, price list or professional introduction?
Contact Lin Xuan at 82222556 or Ade at 81888871 for the full project brochure, latest available price list, a viewing, or introductions to bankers who can help you compare home-loan rates and packages to find the best available option for your needs. If you need legal advice on a property purchase, sale or tenancy, we can also put you in touch with property lawyers.
WhatsApp Lin Xuan | WhatsApp Ade. Let us know the project or property question you would like help with. Prices and availability are subject to developer confirmation, while loan terms and approval are determined by the bank.
Lin Xuan: ONG LIN XUAN, CEA registration R069812H. Ade: CHUA MUAY MUAY (ADE CHUA), CEA registration R014252F. ERA REALTY NETWORK PTE LTD, estate agent licence L3002382K.