Property can be a good long term investment and a base to build your life in Singapore. If you are buying property in your personal name or investment holding, you will be subjected to Total Debt Servicing Ratio (TDSR) for all types of properties mortgages.

TDSR caps the maximum monthly loan payment to 60% of your monthly gross income which excludes owner occupied HDB flats (not those for investments). For HDB mortgage loans, you will also be subjected to the Mortgage Servicing Ratio (MSR) which caps your monthly repayment to 30% of your monthly gross income.

Trinexis.sg has a calculator that would allow you to know the maximum loan amount for both single and joint applications. It can be complicated navigating through regulatory requirements.

However, you can count on our friendly consultants who are happy to guide you through the process. All you need to do is to submit your mortgage and personal details to us. We respect your privacy and would ask for the pertinent information to get you the best mortgage loan. All information that you provide to us will be kept in the strictest confidence.