Define Your Why & Budget
Before browsing a single listing, get clear on intent and affordability. Owner-occupier and investor decisions look very different — and your budget isn't your loan ceiling.
- Calculate your TDSR (Total Debt Servicing Ratio) cap of 55%
- Apply MSR (Mortgage Servicing Ratio) 30% if buying HDB or EC
- Account for BSD, ABSD, legal fees, and renovation buffer (~5–7% on top)
- Stress-test your monthly payment against a 4% interest scenario