Use this TDSR calculator to estimate the home loan you could take for a home at Pinery Residences under the MAS rules. Enter income and monthly debts for one or two borrowers, a tenure and a test rate; the calculator applies the 55% TDSR, the 4% rate floor and the loan-to-value limit, and shows which one sets the loan. The price field opens at S$1,500,000, an illustrative round figure that is not a Pinery Residences price; replace it with your own figure. The housing loan information page explains each rule.
Borrower 1
Weighted at 70%.
Including car, personal and property loans.
Borrower 2
Weighted at 70%.
Including car, personal and property loans.
Illustrative figure; enter your own price.
Up to 35 years for private property.
Entries below the 4% MAS floor are assessed at 4%.
Determines the LTV limit.
Estimate only. Tenures over 30 years, or loans running past age 65 on the income-weighted age, use the 55%, 25% or 15% limit, and the first-loan cash minimum becomes 10%. If the LTV limit is lower than the income-based loan, the LTV limit is shown as the loan. Banks apply their own credit checks on top.
How the Pinery Residences TDSR Calculator Works
Monthly income is built from fixed salary in full plus 70% of variable pay, averaged over the year. The calculator takes 55% of that income, subtracts the monthly debts entered, and turns what remains into a loan over the chosen tenure at 4% or your rate, whichever is higher.
For two borrowers it uses an income-weighted age. Where the tenure exceeds 30 years or would run past that age reaching 65, the lower LTV limit and higher cash minimum apply. The smaller of the income-based loan and the LTV limit on the price is shown as the result.
Take that figure into the progressive payment calculator to see the stages, and the stamp duty calculator for the duties.
Register for Pinery Residences
Pinery Residences is open for sale. Register with the Sales Concierge to receive the price list, the e-brochure and the current unit availability, and to arrange a showflat viewing at a time that suits you.
What the Sales Concierge sends you
- The current price list and the units open for selection on the balance units chart.
- The e-brochure and the floor plans for the home types you are weighing.
- A showflat appointment on a day and time of your choosing.
- Your first loan estimate from the TDSR calculator, set beside the stamp duty on your purchase.
Enquire About Pinery Residences
Every enquiry receives a personal reply from the Sales Concierge.
Prefer to talk? Call or WhatsApp the Sales Concierge on 6200 6220.