Jurong East EC mortgage and MSR calculator

ECs are bought with a bank loan. You can borrow up to 75% of the price for at most 30 years, within the 30% MSR and 55% TDSR limits. Change any number below and the rest updates.

Last updated 15 Oct 2026.

Monthly instalment

$4,427

Loan $1,050,000 over 30 years at 3%. Downpayment $350,000, of which at least $70,000 cash.

MSR 30%

Fails · cap $4,200

TDSR 55%

Passes · cap $7,700

Maximum price your income supports

$1,328,261

At 75% loan, 30 years, 3%, within both the 30% MSR and the 55% TDSR. Banks test you at a higher rate, so treat this as the most you could stretch to.

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How the checks work

The MSR means your EC instalment can’t be more than 30% of your gross household income. The TDSR means all your monthly debt payments together, including this loan, can’t be more than 55%. Banks also test you at a higher interest rate than the one you’ll actually pay, so treat the maximum price here as the most you could stretch to.

Of the 25% downpayment, at least 5% must be cash, paid when you book. Up to 20% can come from your CPF Ordinary Account. Buyer’s stamp duty is separate, and you can use CPF for it.

Recent EC prices and the payment schedule
Grants and the resale levy

Want to know your loan limit early?

Closer to launch, I can help you get an in-principle approval from a bank, so you know your budget before the ballot.

Jeffery Ng · CEA Reg. No. R050136D · Huttons Asia Pte Ltd · Licence No. L3008899K

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