Updated September 2026. This is general affordability information, not financial advice. Use current CPF, MAS and lender rules for the exact borrower.
Six instalment stress tests
- Interest rate now and at a materially higher stressed rate.
- Loan tenure, age limits and repayment structure.
- Cash and CPF usage within current housing limits.
- TDSR or MSR treatment and other debt commitments.
- Income interruption, vacancy and unexpected property costs.
- Emergency liquidity after the purchase and renovation.
A comfortable instalment is not merely the maximum a lender will approve. Model conservative income, rates and holding costs, then retain a buffer for household and property-specific risks.