Property Tools · For Upgraders
Can I Upgrade?
Your realistic next-purchase budget, using the same rules the banks use.
Car loan, personal loans, credit card minimums.
Your estimated budget
Capped by the 75% loan-to-value limit rather than your income.
Your estimated comfortable range
S$1,070,000 – S$1,260,000
Assumes no ABSD (e.g. you've sold, or will claim spousal remission when replacing your home).
This is a planning estimate. A bank's in-principle approval (IPA) is the real answer — it accounts for your exact income structure, bonuses, and credit profile. I'd always recommend getting an IPA before committing to anything.
Every situation has details a calculator can't capture. If you'd like, I'm happy to walk through your exact numbers — no obligation.
Estimates only, for general reference. Not financial advice. Figures depend on your specific circumstances — happy to walk you through your exact numbers.
Rates last updated: 7 July 2026.
How banks decide what you can borrow
Two rules govern every housing loan in Singapore. The Total Debt Servicing Ratio (TDSR) caps all your monthly debt repayments — home loan, car loan, credit lines — at 55% of gross monthly income. For HDB flats and ECs, the stricter Mortgage Servicing Ratio (MSR) also caps the home loan alone at 30% of income. Whichever bites first sets your ceiling.
On top of that, banks must stress-test your loan at a floor rate of 4% — not the promotional rate on the brochure — and the loan itself is capped at 75% of the property's value. Your maximum tenure shrinks as you age: the calculator uses the age of the youngest borrower and assumes the loan ends by 65, which is what preserves the full 75% borrowing limit.
Why chaining the numbers matters
Most upgraders' buying power is locked inside their current home. That is why this estimator lets you import your sale proceeds result directly: your cash and CPF from the sale, plus savings, plus your maximum loan, minus the stamp duty on the new purchase — chained into one honest range rather than four separate guesses.
A planning estimate, not a promise
The real answer is a bank's in-principle approval (IPA), which weighs your exact income structure, bonuses, and credit history. Treat this tool as the conversation-starter that tells you which price band to even consider — then get the IPA before falling in love with anything. If you'd like help sequencing the sale and purchase so you are never caught between homes, that is precisely what I do.