Kenny's Take
Rates near four-year lows change what buyers *can* borrow — but TDSR and MSR decide what you *may* borrow. Know your real ceiling before you shortlist projects; the worked example in this guide shows exactly how the numbers stack up in 2026.
📘 What the guide covers
- How TDSR (55%) and MSR (30%) actually apply to your loan application — and which one binds for your property type.
- A worked example from gross household income down to maximum loan and maximum purchase price in 2026 conditions.
- Why the current rate environment (SORA near a four-year low) changes monthly repayments but not your regulatory ceiling.
- Read the full guide: kennyneoadvisory.com/blog/tdsr-msr-singapore-2026-how-much-you-can-afford