This calculator estimates the maximum housing loan an income can support for a purchase at Duet @ Emily, under the Monetary Authority of Singapore’s Total Debt Servicing Ratio framework, and compares it with the Loan-to-Value ceiling so the binding limit is clear. The rules are set out on the housing loan page.
Main Applicant
MAS applies a minimum 30% haircut.
Joint Applicant
MAS applies a minimum 30% haircut.
Maximum 35 years; over 30 lowers the LTV ceiling.
The MAS floor is 4%.
Sets the Loan-to-Value ceiling.
Indicative only. A tenure beyond 30 years drops the LTV ceiling and raises the minimum cash downpayment. Where the LTV limit falls below the TDSR limit, the property loan is the binding constraint. Banks apply their own credit policies — confirm with a bank, or ask the Sales Concierge to arrange an In-Principle Approval. Rates per MAS, verified 26 September 2026.
How the Duet @ Emily Loan Estimate Works
Assessed income is fixed income in full plus variable income after a haircut of at least 30 per cent. Up to 55 per cent of it may service all monthly debts; what remains after existing commitments is converted into a loan at the assessment rate over the permitted tenure. For joint applicants, the tenure follows the income-weighted average age to 65. The Loan-to-Value limit then caps the result, and the lower of the two binds.
Pair the result with the stamp duty calculator and the progressive payment calculator, then book a Duet @ Emily viewing.