TDSR, MSR and your loan: how much can you actually borrow?

21 May 2026

How much you can borrow for a property is shaped by two rules — the Total Debt Servicing Ratio (TDSR) and, for some homes, the Mortgage Servicing Ratio (MSR). This guide will explain what each one limits, and how your income and existing debts feed into the figure.

Draft — to be completed. This guide is being written and will be published here soon. In the meantime, see the other property guides.

Written by the Prop Launch editorial team. For a question specific to your situation, you can speak with Gwen Koh, a licensed CEA-registered salesperson (CEA Reg. No. R064840Z) with ERA Realty Network.

This article is general information only and is not financial, legal or property advice. Figures and rules may change; verify current details before relying on them. This is an independent property information site operated by Prop Launch Pte. Ltd. (UEN 202621356R) in support of a licensed CEA salesperson. We are not a property developer and do not handle property transactions.