Property Affordability Results at a Glance: Quick Reference Table
Sometimes you only need a ballpark figure. This page lists property affordability results for a range of common inputs, so you can see the pattern at a glance.
| Inputs | Maximum monthly instalment | Maximum loan (TDSR) | Price supported at 75% LTV |
|---|---|---|---|
| Gross monthly income: 12,000, Existing monthly debts: 500, Stress-test interest rate: 4, Loan tenure: 30 | S$6,100.00 | S$1,277,713.57 | S$1,703,618.09 |
| Gross monthly income: 6,000, Existing monthly debts: 500, Stress-test interest rate: 4, Loan tenure: 30 | S$2,800.00 | S$586,491.47 | S$781,988.63 |
| Gross monthly income: 9,000, Existing monthly debts: 500, Stress-test interest rate: 4, Loan tenure: 30 | S$4,450.00 | S$932,102.52 | S$1,242,803.36 |
| Gross monthly income: 15,000, Existing monthly debts: 500, Stress-test interest rate: 4, Loan tenure: 30 | S$7,750.00 | S$1,623,324.61 | S$2,164,432.82 |
| Gross monthly income: 18,000, Existing monthly debts: 500, Stress-test interest rate: 4, Loan tenure: 30 | S$9,400.00 | S$1,968,935.66 | S$2,625,247.55 |
| Gross monthly income: 24,000, Existing monthly debts: 500, Stress-test interest rate: 4, Loan tenure: 30 | S$12,700.00 | S$2,660,157.75 | S$3,546,877.01 |
How these were worked out
Max loan = present value of (55% × income − debts) over the tenure at the stress-test rate.
Property is the largest purchase most Singaporeans make, and stamp duties, loan limits and cash requirements are front-loaded. Small mistakes in these figures can mean a shortfall at completion, so it pays to run the numbers before you commit to an option to purchase.
Stamp duties are paid upfront. Buyer's Stamp Duty applies to every purchase at tiered rates up to 6%, while ABSD depends on the buyer's residency status and how many residential properties they already own. Sellers who dispose of a property within the holding period pay Seller's Stamp Duty.
CPF Ordinary Account savings can pay for the downpayment, stamp duties and monthly instalments, but using CPF reduces the money compounding for retirement, and the amount withdrawn plus accrued interest must be refunded to your CPF account when you sell.
Singapore's property market is shaped by cooling measures introduced since 2009, including Additional Buyer's Stamp Duty, loan-to-value limits and debt servicing ratios. These rules are adjusted when the market runs hot, so the numbers you see today may differ from what friends paid a few years ago.
Tips
- Seller's Stamp Duty can wipe out the gains on a quick resale, so check your holding period before selling.
- HDB loans are capped at 25 years and must be fully repaid by age 65.
- Budget for legal fees, valuation, renovation and moving costs on top of the downpayment and stamp duties.
Related calculations
- Additional Buyer's Stamp Duty (ABSD) Calculator: Calculates ABSD by buyer profile and the number of residential properties owned, using the rates in force since 27 April 2023.
- Total Property Stamp Duty Calculator: Adds BSD and ABSD together so you know the full stamp duty bill before you sign an option to purchase.
- Seller's Stamp Duty (SSD) Calculator: Calculates SSD for residential property bought on or after 4 July 2025 and sold within four years.
- HDB Loan Calculator: Calculates monthly repayments on an HDB concessionary loan, which is pegged at 0.1% above the CPF Ordinary Account rate (2.6% a year).
For your exact numbers, use the Property Affordability Calculator.
Run your own numbers: Property Affordability Calculator