Mortgage planning made clearer
Your mortgage should support your life. Not control it.
Understand your borrowing limits, compare HDB and bank loans, and plan repayments that remain comfortable when life or interest rates change.
Clear guidance for buyers, owners, refinancers and households planning their next property move.
Start with the numbers
Four limits shape your loan options
These figures work together. A larger approved loan does not automatically mean the repayment is comfortable for your household.
TDSR
Your total monthly debt commitments compared with your gross monthly income.
MSR
The share of income used for mortgage repayments on applicable HDB flats and executive condominiums.
LTV
The maximum percentage of the property price or value that may be financed.
Loan tenure
The repayment period affects your monthly instalment and total interest paid.
Compare before deciding
HDB loan or bank loan?
The right option depends on your eligibility, cash flow, risk comfort and future plans. Compare the complete package, not only the headline rate.
Before you sign
A practical mortgage checklist
A responsible plan should still work when conditions are less favourable than expected.
Plan the property and loan together
Borrowing capacity is only one part of the decision.
Your mortgage should be reviewed alongside sale proceeds, CPF usage, monthly commitments, emergency funds and your intended holding period.
Need a clearer starting point?
Review your mortgage before you commit.
Share your situation with Vivian for a practical discussion about your property and financing considerations.
WhatsApp VivianThis page provides general information only. Loan eligibility, policies and rates may change. Confirm current requirements with the relevant authority or financial institution before making a decision.