Pledge or show funds

If your income is short of the 55% Total Debt Servicing Ratio for the loan you want, see how much you could pledge or show to qualify.

Monthly income shortfall—

How far your counted income is from the 55% TDSR for this loan.

Assessment rate—

Instalment at assessment rate—

Income needed for 55% TDSR—

Your TDSR without assets—

Pledge SGD cash for 4 years—

Or pledge other assets for 4 years—

Or show unpledged assets—

How this estimate works

The instalment is calculated at the higher of 4% and your rate. Income needed = (instalment + other debts) ÷ 55%. MAS lets banks count eligible financial assets as income over 48 months after minimum haircuts: 0% for SGD cash and deposits pledged for at least 4 years, 30% for other pledged assets such as stocks, unit trusts and foreign-currency deposits, and 70% for unpledged assets. So the asset amount = monthly shortfall × 48 ÷ (1 − haircut).

These are MAS minimums; banks may apply larger haircuts. Assets used for the down payment cannot also count. This tool covers TDSR only; HDB flats and ECs also have a 30% Mortgage Servicing Ratio that it does not assess.

Official references: MAS TDSR calculation. Rules checked 3 November 2026.

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