Mortgage
How Much Property Can You Afford in Singapore? The 3/3/5 Rule (2026)
The 3/3/5 affordability rule tested against 2026 TDSR, MSR and LTV limits, with worked examples for HDB and condo buyers and four levels of affordability.
The 3/3/5 affordability rule tested against 2026 TDSR, MSR and LTV limits, with worked examples for HDB and condo buyers and four levels of affordability.

This is a follow-on to a previous article: (Factoring in COVID-19, Is There An Oversupply Risk & How’s The Market Situation? (Part 1). I make no apologies…
Residential HDB upgraders finding it harder to purchase private property With the slower resale market, coupled with decreasing cash-over-valuation (COV)…