The River Opus Maximum Loan Eligibility Calculator (MSR)
Kindly use the table below for to calculate your eligible loan for The River Opus. A note that the table below is strictly for reference and cannot be taken as an official guide or approval for your loan amount eligibility.
Main Applicant
Existing Property Loan Commitments (Optional)
Enter the total monthly instalments of any existing property loans. These are deducted from the 30% MSR allowance.
Your Estimated Loan Eligibility
Assessable Monthly Income
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Max Monthly Instalment (30% MSR)
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Income-Weighted Average Age
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Max Loan Tenure
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Maximum Loan Amount
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Est. Max Property Price (75% LTV)
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Important Disclaimer
This calculator is for estimation purposes only and is based on the Monetary Authority of Singapore (MAS) Mortgage Servicing Ratio (MSR) framework.
- Stress-test interest rate of 4% p.a. is used (MAS medium-term floor).
- Variable income is assessed at 70%.
- Maximum tenure is the lower of 30 years or (65 − weighted age).
- Assumes 75% Loan-to-Value (first property, no outstanding housing loan).
- Does not take into account Total Debt Servicing Ratio (TDSR at 55%), credit assessment, CPF usage, or bank-specific policies.
- Actual loan amount approved by banks may differ. Always obtain formal In-Principle Approval (IPA) from banks.
