Total Debt Servicing Ratio

What is Total Debt Servicing Ratio ( TDSR ) 

Since 2010, government implemented the TDSR to restrict the individual or household total loan amount, the latest TDSR has been lower to 55% from 60% effective from 16th Dec 2021. The TDSR calculation is inclusive of your current total monthly repayment for property loan, Car loan, Credit card and unsecured loan etc. 

Calculation for TDSR :

Maximum Repayment:

Monthly Income $8,000 x 55% = $4,400

Current monthly repayment : $2,500

Remaining available maximum repayment : 

$4,400 - $2,500 = $1,900



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