Mortgage Servicing Ratio Table

Based on Income & Interest Rate of 3.5%

Income / Tenure	30 Years	27 Years	25 Years	22 Years	20 Years	17 Years	15 Years	12 Years	10 Years
6,000	400,850	376,940	359,550	331,080	310,360	276,450	251,790	211,400	182,020
6,500	434,250	408,350	389,510	358,670	336,230	299,490	272,770	229,020	197,190
7,000	467,660	439,760	419,480	386,260	362,090	322,530	293,750	246,630	212,360
7,500	501,060	471,180	449,440	413,840	387,960	345,570	314,730	264,250	227,530
8,000	534,470	502,590	479,400	441,430	413,820	368,600	335,720	281,870	242,700
8,500	567,870	534,000	509,360	469,020	439,680	391,640	356,700	299,490	257,870
9,000	601,280	565,410	539,330	496,610	465,550	414,680	377,680	317,100	273,040
9,500	634,680	596,820	569,290	525,200	491,420	437,720	398,670	334,720	288,210
10,000	668,080	628,240	599,250	551,790	517,280	460,760	419,650	352,340	303,380
10,500	701,490	659,650	629,210	579,380	543,140	483,800	440,630	369,950	318,550
11,000	734,890	691,060	659,180	606,970	569,000	506,830	461,610	387,570	333,720
11,500	768,300	722,470	689,140	634,560	594,870	529,870	482,600	405,190	348,890
12,000	801,700	753,880	719,100	662,150	620,730	552,910	503,580	422,810	364,030
12,500	835,110	785,300	749,070	689,748	646,600	575,950	524,560	440,420	379,220
13,000	868,510	816,710	779,030	717,330	672,460	598,990	545,540	458,040	394,390
13,500	901,910	848,120	808,990	744,920	698,320	622,020	566,530	475,660	409,560
14,000	935,320	879,530	838,950	772,510	724,190	645,060	587,510	493,270	424,730
14,500	968,720	910,940	868,910	800,100	750,050	668,090	608,490	510,890	439,900
15,000	1,002,120	942,350	898,870	827,690	775,910	691,130	629,470	528,500	455,070
15,500	1,035,530	973,760	928,840	855,280	801,770	714,170	650,450	546,120	470,230
16,000	1,068,930	1,005,170	958,800	882,870	827,640	737,210	671,430	563,740	485,400

Disclaimer: The above table is for reference only and the actual loan amount will depend on the Monetary Authority of Singapore (MAS).

Mortgage Servicing Ratio (MSR) Calculator

If you would like to work out the estimated amount of loan you can secure based on your specific income and MSR, you may use the MSR calculator provided by Realila.SG. Do note that Total Debt Servicing Ratio (TDSR) do applies on top of MSR.

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