Can I Really Afford That Condo?
Buying a private property in Singapore is exciting — but it’s also one of the biggest financial decisions you’ll ever make. The question isn’t just “Can I afford it today?” but “Will I still be comfortable if conditions change tomorrow?”
That’s exactly why we built our Affordability Calculator. It helps you assess whether your dream home fits within the Total Debt Servicing Ratio (TDSR) limits, while factoring in loan tenure, interest rates, and upfront cash/CPF requirements.
Why Small Interest Changes Matter
Many buyers underestimate how sensitive property affordability is to interest rates. A reduction of just 0.5% in your mortgage rate can translate into hundred thousands of dollars in additional loan capacity — which directly affects the maximum property price you can afford.
For example, if your total income is $14,000:
At 3.5% interest, your maximum loan might cap at $1,715,000
At 3.0% interest, the same income could support a loan of $1,826,000. That’s over $100,000 difference simply from negotiating a better rate.
How about 2.0%?
How Our Calculator Helps
Instantly shows your maximum loan and property price.
Breaks down cash vs CPF requirements.
Visualizes how different interest rates affect affordability.
Lets you test scenarios before you commit.
Why Work With Us
Banks offer different packages, and the “headline rate” isn’t always the best deal. As advisors, we help you:
Compare across lenders.
Negotiate preferential rates.
Structure your loan for long‑term comfort.
Our calculator gives you the numbers. We turn those numbers into reality.
Drop us a message and we will get back to you.
*Figures shown are for illustration only and do not constitute financial advice. Actual loan eligibility and property prices depend on individual circumstances, lender policies, and prevailing market conditions.
