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Mortgage servicing ratio (MSR) refers to the portion of a borrower’s gross monthly income that goes towards repaying all property loans, including the loan being applied for. MSR is capped at 30% of a borrower's gross monthly income. It applies only to housing loans for the purchase of an HDB flat or an executive condominium bought directly from a developer. Calculating MSR When calculating MSR, FIs are to take into consideration: All the borrower’s property loans. At least 20% of the monthly debt obligation for any property loan where the borrower is a guarantor.

To calculate a borrower’s MSR, use the following formula:

(Monthly repayment instalments for all property loans / Gross monthly Income) x 100% ≤ 30%


Total debt servicing ratio (TDSR) refers to the portion of a borrower’s gross monthly income that goes towards repaying the monthly debt obligations, including the loan being applied for. A borrower's TDSR should be less than or equal to 60%.

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Disclaimer: Information and calculation are based on information taken from various sources such as IRAS, MAS etc.. This calculator should not be seen as a replacement for professional advice and is provided for convenience only. PropertyPages shall not be held liable or responsible for any loss or inconveniences caused due to incorrect user input or calculations.

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