This TDSR calculator estimates the home loan a buyer at Langdon Heights could carry under the MAS debt rules. It takes income and existing repayments for one or two borrowers, together with a tenure and an assessment rate, then applies the 55% total debt servicing ratio, the 4% medium-term rate floor and the loan-to-value band, and shows which limit sets the loan. The price box opens at S$2,000,000, a round illustrative figure unrelated to any Langdon Heights price; any other figure can be typed in its place. Each rule is set out on the housing loan information page.
First borrower
Counted at 70%.
Car, personal and other property loans.
Second borrower
Counted at 70%.
Car, personal and other property loans.
Illustrative figure only; type your own price.
Private property loans run up to 35 years.
MAS sets a 4% floor; lower entries are tested at 4%.
This sets the loan-to-value limit.
An estimate. A tenure above 30 years, or a loan reaching past age 65 on the income-weighted age, moves the loan into the 55%, 25% or 15% band and lifts the first-loan cash minimum from 5% to 10%. Where the LTV cap comes in below the income-based amount, the cap becomes the loan. Lenders add their own credit assessment to these MAS limits.
How the Langdon Heights TDSR Calculator Works
The calculator first builds a monthly income figure. Fixed salary is taken in full, while bonuses and other variable pay count at 70% and are spread across twelve months. It then treats 55% of that income as the debt ceiling and subtracts the existing monthly commitments entered. The headroom left over is converted into a loan amount over the chosen tenure, at 4% or the rate typed in, whichever is higher.
With two borrowers, the calculator works from an age weighted by each person’s income. If the tenure passes 30 years, or the loan would run beyond that weighted age reaching 65, the lower loan-to-value band and the higher cash minimum take effect. The income-based figure is then set against the LTV cap on the price entered, and the smaller of the two is shown as the loan.
That loan figure can then be tested in the progressive payment calculator, stage by stage, while the stamp duty calculator adds the duties.
Register Your Interest in Langdon Heights
Join the Langdon Heights priority list through the Sales Concierge. Each release reaches registered buyers as soon as it is issued, beginning with the e-brochure, the floor plans and the price list, followed by preview invitations.
For registered buyers, as each is issued
- Invitations to view the showflat by private appointment.
- The e-brochure, floor plans and price list on the day of release.
- A loan estimate from the TDSR calculator, alongside the stamp duty that applies to each buyer profile.
- Guidance on home loans and the progressive payment schedule well before booking day.
Email the Sales Concierge
A personal reply follows every message.
Registered buyers hear first as each Langdon Heights release is issued, from the e-brochure to preview invitations.
Email the Sales ConciergeSales Concierge: sales@langdon-heights.com.sg