Total Debt Servicing Ratio (TDSR)

Total Debt Servicing Ratio (TDSR) Rules

If you are obtaining a mortgage loan for your next private property purchase, you need to take into account the TDSR rules.

As of 16 December 2021, the total monthly debt obligations, including the loan being applied for, must not exceed 55% of the borrower’s monthly gross income.

For the purchase of HDB flats or new Executive condominiums, MSR Rules also apply.

Please refer to the MAS website for more information.