MAS TDSR (≤%55) ve MSR (≤%30) kurallarına göre Singapur'da alabileceğiniz maksimum konut kredisi tutarını hesaplayın.
MAS prudential borrowing standards
Capped strictly at 30% of recognized gross income
Residual allowance after deducting existing debts
Income_{Eligible} = Fixed + 0.70 \times Variable \\
Payment_{TDSR} = 0.55 \times Income_{Eligible} - Debts_{Other} \\
Payment_{MSR} = 0.30 \times Income_{Eligible} \quad [HDB/EC] \\
Max\ Loan = \frac{Payment_{Allowable}}{r_{monthly}} \times \left(1 - (1 + r_{monthly})^{-N}\right)The Total Debt Servicing Ratio (TDSR) restricts all monthly debt obligations to ≤55% of recognized income. The Mortgage Servicing Ratio (MSR) caps HDB & EC housing installments to ≤30%. Variable earnings are discounted by 30% under MAS guidelines, with loans assessed using a 4.0% stress-test interest floor.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual CPF interest rates, ABSD criteria, COE prices, and bank mortgage rates may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a MAS-licensed financial adviser or IRAS/CPF officer prior to executing financial commitments.
2026 Singapur CPF prim kesintilerini, S$8.000 tavan ücretini ve net ele geçen maaşı hesaplayın.
55 yaş BRS, FRS ve ERS birikimlerine göre 65 yaş CPF LIFE ömür boyu emekli maaşını hesaplayın.
OA (%2.5), SA/MA/RA (%4.05) ve ilk $60.000 için ekstra %1-%2 faiz ile CPF bileşik getirisini hesaplayın.