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Self-Assessment

My Maximum Borrow Capacity

We created this calculator, specifically to answer the question – “How much MAXIMUM I’m eligible to loan?”

Since the implementation of Total-Debt-Servicing-Ratio (TDSR), all banks are required to evaluate the applicant’s borrowing capacity based on the MAS TDSR formula, regardless of the borrower’s relationship with banks or their occupation.

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For Singaporean / Permanent Residences, kindly use Singpass Myinfo to retrieve your latest income without keying in.
Retrieved Data:
- Date of Birth: 01 Jan 1988
- Mobile Number: 8123 5678
- Email Address: hello@abcmail.com
- Registered Address: 123, Happy Ave, Singapore 123456
- Notice of Assessment (Basic, Latest Year):
  • YA2023:
  • Employment: $150,000
  • Property: $56,000
Please enter a number from 21 to 65.
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Max-Loan

New Purchase

We created this calculator to answer a common question –
“What is the maximum loan I could get if I purchase this property?” – and you will get a reference answer for:

Maximum Loan amount (based on the property Loan-to-valuation), installment & minimum income requirement (for personal’s income)

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Please enter a number from 21 to 65.
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Max Savings

Refinance

Refinancing is about saving your money.

We design this easy-to-use calculator to provide you an estimated saving amount, comparing between your existing interest rate (or near future higher interest rate) AND a new interest rate, which is available in the market.

Maximum Loan amount (based on the property Loan-to-valuation), installment & minimum income requirement (for personal’s income)

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Max Potential

Equity Cash Out

RICHCO-SPACE Equity Cash Out calculator will assist you to find out your property potential cash out amount, based on personal and company own property LTV (‘Loan-to-valuation’) rules.

In this calculator, you are required to key in your property market value and estimated outstanding loan (if there is any). For private residential property, you are required to provide the CPF amount used & accrued interest.

If you are not sure about your property valuation, we would be happy to assist you to obtain an indicative valuation by our collaboration banks.

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Max Borrowing
New Purchase
Refinancing
Equity Cash Out
Decoupling
Basic
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