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.
This information is provided solely on a goodwill basis and does not relieve parties of their responsibility to verify the information from the relevant sources and/or seek appropriate advice from relevant professionals such as valuers, financial advisers, bankers and lawyers. For avoidance of doubt, JIA by Jiayi and its salesperson accepts no responsibility for the accuracy, reliability and/or completeness of the information provided.
Copyright in this publication is owned by JIA by Jiayi and this publication may not be reproduced or transmitted in any form or by any means, in whole or in part, without prior written approval.
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.