Mortgage calculator Singapore.新加坡房贷计算器。

How it works计算器怎么算

Your monthly repayment is the loan amount (price minus downpayment) amortised over the tenure at your rate. The calculator also reverses the maths to show the minimum gross monthly income needed to fit MAS's debt limits, the number that usually decides whether a bank says yes.每月供款是把贷款额(房价减首付)按你的利率在年限内摊还得出。计算器还会反推符合金管局债务上限所需的最低税前月收入,这往往决定银行批不批。

TDSR and MSR, fast一句话讲清 TDSR 与 MSR

TDSR caps all monthly debt at 55% of gross income, on every property. MSR caps the home loan at 30%, on HDB flats and ECs only. For an HDB or EC the bank uses whichever is stricter, which is why the income figure jumps when you switch property type above.TDSR 把所有每月债务限制在税前收入的 55%,适用于所有房产。MSR 把房贷限制在 30%,仅适用于 HDB 与 EC。买 HDB 或 EC 时银行取更严者,所以上面切换物业类型时收入要求会跳动。

What the calculator misses计算器看不到的一点

Banks stress-test at a floor rate of around 4% to 4.25%, not today's promo rate, and count your car loan, credit-card minimums, and any other property. A clean calculator result is the start of the conversation, not the approval. Send it over and I'll have a banker run your real number.银行用约 4% 至 4.25% 的下限利率做压力测试,而非当下促销利率,还会算上你的车贷、信用卡最低还款及其他房产。计算器算得漂亮只是对话的开始,不等于批贷。发给我,我让银行帮你跑出真实数字。