EC Loan Calculator

Estimate your maximum home loan and property price for a New Launch Executive Condominium based on MAS rules (MSR 30%, TDSR 55%, LTV).

Updated for 2025/2026 · Stress Test Interest Rate: 4% · Home Loan max. 75% of purchase price

New Launch EC Home Loan Calculator

Applicant 1

Basic salary. Enter 0 if none.
Bonuses, commissions, self-employment (banks typically take ~70%).
Car loan, study loan, credit cards, personal loans, etc.

Applicant 2 (optional)

Enter 0 if no second applicant.
Actual bank package rate (for instalment estimate).
MAS medium-term stress rate (fixed).
Max Home Loan
—
LTV —
Max Property Price
—
at selected LTV
Min Cash Downpayment
—
—
Monthly Instalment
—
at your rate
Assessable Monthly Income
—
MSR Cap (30%)
—
Max mortgage instalment
TDSR Cap (55%)
—
Max total debt instalment
Income-Weighted Age
—
used for LTV check

Disclaimer: This is an estimate only. Exact loan amount is subject to bank underwriting, credit assessment, and approval. Variable income treatment, existing property ownership, and other factors may affect the final offer. Stress-test rate of 4% is applied for MSR/TDSR. Consult a bank or mortgage specialist for a formal Letter of Offer.

New Launch EC Bridging Loan

(For those who currently own an HDB flat & using DPS only) · EC Home Loan + Bridging Loan can go up to 80% of EC deferred payment price

Bridging Loan Calculator

Ex: 600000
Ex: 250000 or 0
$0
HDB Market Value × 85% − Outstanding Loan

This is an estimate calculation. Exact amount is subject to bank calculation and approval.

Normal Payment Scheme (NPS) vs Deferred Payment Scheme (DPS)

Two payment schemes available for New Launch ECs. DPS price is typically ~3% higher than NPS.

Stage NPS Pay By (NPS) DPS Pay By (DPS)
Upon grant of Option to Purchase (OTP) 5% Cash only 5% Cash only
Upon signing S&P or within 9 weeks from Option date 15% Cash or CPF 15% Cash or CPF
Estimated Buyer’s Stamp Duty & Legal Fee ~3% Cash or CPF ~3% Cash or CPF
Completion of foundation work 5% + 5% loan Cash/CPF + Home Loan — No payment until TOP
Reinforced concrete framework 10% Home Loan — —
Partition walls 5% Home Loan — —
Roofing / ceiling 5% Home Loan — —
Doors, windows, electrical, plumbing 5% Home Loan — —
Car park, roads & drains 5% Home Loan — —
Temporary Occupation Permit (TOP) 25% Home Loan 65% Cash / CPF / Bridging + Home Loan
Certificate of Statutory Completion (CSC) 15% Home Loan 15% Home Loan

Home Loan max. 75%. Home Loan + Bridging Loan can reach up to 80% of the purchase price under DPS. Exact progressive payment percentages may vary slightly by developer.

Loan-to-Value (LTV) Rules

Loan Tenure Up to 30 Years Up to 30 Years 31 to 35 Years
Sum of Tenure + Age of Borrower ≤ 65 years > 65 years —
Max Home Loan (LTV) 75% 55% 55%
Min. Cash Down Payment 5% 10% 10%
Next Payment (Cash or CPF) 20% 35% 35%