This calculator estimates the maximum housing loan an income can support for a purchase at The Serra Residences, under the Monetary Authority of Singapore’s Total Debt Servicing Ratio framework: 55 per cent of gross income, a 4 per cent stress-test rate, and the 30 per cent haircut on variable income. The limits are explained 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.
Reading The Serra Residences TDSR Result
The result shows two ceilings: the loan the income supports under TDSR, and the loan allowed by the Loan-to-Value limit for the price. The lower of the two binds. Existing debts, such as car loans and credit card minimums, reduce the room left for a home loan, and a joint applicant’s income adds to it.
Pair the result with the stamp duty calculator and the progressive payment calculator, then book a VVIP preview at The Serra Residences.
Register Your Interest in The Serra Residences
The e-brochure, the full floor plan set and indicative pricing, once released by the developer, are sent to registered parties by the Sales Concierge. Registering is free and carries no obligation.
- The e-brochure and the full project details.
- The floor plans for all thirteen unit types, from 710 to 2,669 sq ft.
- Indicative pricing as the developer releases it.
- A private VVIP preview appointment at the sales gallery.
Register Your Interest
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