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Ohmyhome

Edited 07 Mar 2022

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On Home Loans: What is Mortgage Servicing Ratio and Total Debt Servicing Ratio?

TL;DR: MSR is a home loan limit imposed by the Monetary Authority of Singapore (MAS). It applies to two types of properties: HDB flats and Executive Condominiums (EC). It is capped at 30% of your gross monthly income (including employees’ CPF contribution).

TDSR sets limits on how much a home buyer can borrow. It is capped at 55% (as of 16 Dec 2021) of your gross monthly income.

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