Calculator · Executive condominiums

EC affordability calculator

Executive condominiums face an extra limit compared with private homes. Under the MSR, the monthly home-loan instalment may use up to 30% of the household's gross income, and TDSR, capping all debts together at 55%, applies as well. This calculator runs both for an EC household and shows which one limits the loan. It updates as you type, and opens with an illustrative two-income household.

Add a second buyer

First buyer

Age today

Fixed pay per month (S$)

Bonus and commission per year (S$)

Card minimums per month (S$)

Car instalment per month (S$)

Any other instalment per month (S$)

Second buyer

Age today

Fixed pay per month (S$)

Bonus and commission per year (S$)

Card minimums per month (S$)

Car instalment per month (S$)

Any other instalment per month (S$)

Household make-up

Past housing subsidy

Test rate (% a year, 4% minimum)

A planning estimate. HDB decides who may buy an executive condominium; this page does not. Check the final numbers with your bank, HDB, IRAS or MAS before you commit.

Reading the result

The 30% test looks only at the new home loan, so a household with few other debts usually meets that limit first. The 55% test counts every monthly debt, so a large car instalment can make it the tighter rule. Both use a stress rate of 4% or more, regardless of the rate your bank actually offers.

The household make-up and subsidy history change the grant and any resale levy, which appear in the result so the cash picture is complete.

Related tools

The executive condominium guide covers who may buy, the household income cap, grants and the minimum occupation period. The loan limits guide explains both ratios. Then use the EC progressive payment calculator for the stage payments and finish with duty on the EC stamp duty page. ECs in the directory are listed on the executive condominium page.

Last updated 13 November 2026