132 Sophia Road, Singapore · A Boutique District 9 Residence
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This Sophia Meadow TDSR calculator estimates the maximum housing loan your income can support under the Monetary Authority of Singapore’s Total Debt Servicing Ratio framework, then compares it against the Loan-to-Value ceiling so you can see which of the two actually limits you. Sophia Meadow is private residential property, so the rules applied here are the private-property rules. The full framework is explained on the housing loan page.
MAS applies a 30% haircut.
Car, personal and other property loans.
MAS applies a 30% haircut.
Car, personal and other property loans.
Maximum 35 years for private property.
Sets the Loan-to-Value ceiling.
Indicative only. A tenure beyond 30 years (up to 35) is possible but drops the LTV ceiling from 75% to 55%. Where the LTV limit is below the TDSR limit, the property loan is the binding constraint. Banks apply their own credit policies — confirm with your bank, or ask the appointed marketing team to arrange an In-Principle Approval. Do not include an existing home loan you will discharge before this purchase.
Banks first compute assessed income — fixed income in full, variable income (bonuses, commissions, rental) averaged monthly and cut by 30%. The TDSR ceiling is 55% of that figure across all monthly debts, and the headroom left after existing obligations is converted to a loan quantum at the assessment rate over the permitted tenure. For joint borrowers, tenure runs to age 65 on the income-weighted average age — so pairing a younger, higher-earning applicant meaningfully extends tenure and quantum.
The result is then capped by the Loan-to-Value ceiling on the purchase price: 75% for a first housing loan, 45% with one loan outstanding, 35% with two or more. Whichever of the two limits — income (TDSR) or property (LTV) — is lower is the one that binds. Stack this with the stamp duty calculator and the progressive payment calculator for the complete picture, then book a showflat visit.