(Revised on 30 September 2022)(修订日期: 12月30日2022) ‡


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First announced on 12 Jan 2013, MAS introduced MSR capped at 30% of gross income for HDB loans taking from banks. MSR is applicable to purchases of resale and Build-To-Order (BTO) HDB flats. It then extended MSR on 9 Dec 2013 to Executive Condominiums (ECs) bought directly from developers. 新加坡金融管理局（MAS）于2013年1月12日首次宣布，购买政府组屋（HDB）银行贷款需受限于每月偿还贷款（与总收入）比率（MSR）30％的上限。 MSR适用于购买转售和预购组屋单位（BTO）。在2013年12月9日，MSR也扩展到直接从开发商处购买的执行共管公寓（EC）。


MORTGAGE SERVICING RATIO每月偿还贷款比率 - applicable for purchase of HDB/EC only仅适用于购买HDB/EC


I am buying我要购买
HDB with HDB Loan政府组屋HDB-向HDB贷款
EC/HDB with Bank Loan执行共管公寓EC/HDB-向银行贷款

Add 2nd Borrower添加第二贷款人

Borrower 贷款人1 Gross Monthly Income总月入:

Age of Borrower 贷款人1年龄
Gross Monthly Fixed Income固定总月入 $
Annual Variable Income年度可变动收入 $
Variable Income after 30% Hair-cut削减30％后的可变动收入 $

Borrower 2 Gross Monthly Income贷款人2总月入:

Age of Borrower 2贷款人2年龄
Gross Monthly Fixed Income固定总月入 $
Annual Variable Income年度可变动收入 $
Variable Income after 30% Hair-cut削减30％后的可变动收入 $
Combined 总和Monthly Income每月收入 $
MSR Threshold (30%)MSR阈值（30％） $

Income Weighted Average Age收入加权平均年龄   
Maximum Loan Tenure最高贷款期限    Yrs年
Interest Rate利率 %
Estimated Loan Quantum估计贷款额 $
Value of Property房产价值 - 75% LTV房贷与价值比率 $
Importance:
1) Varify loan condition
2) You may increase loan quantum by extending loan tenure
 重要：
1) 确定贷款条件
2) 您可以通过延长贷款期限来增加贷款额度
Loan conditions贷款条件⁑
L-This is the no.? loan taking
y-Loan tenure
yo-Age of applicant L-这是第几次贷款
y-贷款契约年限
yo-贷款人年龄


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Note:-
[1] Max loan tenure for HDB loan is 25 years for up to 75% LTV (Loan-To-Value).对于高达75％的LTV（房贷与价值比率），组屋贷款的最长贷款期限为25年。
[2] Max loan tenure for bank loan is 30 years for EC for up to 75% LTV.EC银行贷款的最长贷款期限为30年，LTV最高为75％。
[3] For EC purchase, please compare the figures with the calculation in TDSR Calculator, whichever lower applies. 购买执行共管公寓时，请将预估数额与TDSR（总偿债率）计算机中的计算结果进行比较，以较低者为准。

‡ With effect from 30 September 2022, TDSR and MSR loan rate will increase from 3.5% to 4% for residential property and TDSR loan rate for non-residential property will increase from 4.5% to 5%. 自2022年9月30日起，总偿债率-TDSR和每月偿还贷款比率-MSR的贷款利率将从3.5%上调至4%，非住宅房产的TDSR贷款利率则将从4.5%上调至5%。

⁑ Please refer to Bank Loan Guide for minimum cash downpayment and Loan To Value (LTV). 最低现金首付和贷款比率取决于买方的银行贷款记录，请参阅银行借贷指南。

Disclaimer:
While all reasonable care was undertaken to ensure accuracy of the information and calculation, the agent and his agency will not be held responsible for any discrepancy. For feedback, please contact Cyan Ho at (+65)9066 6966 or via email cyanyc@gmail.com 免责声明：
尽管已采取一切合理措施确保信息和计算的准确性，如有误差其房屋经纪和经纪公司将不付任何法律责任。如有意见或反馈，请联络何永全(+65)9066 6966或电邮cyanyc@gmail.com


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