TDSR Calculator

TDSR Calculator

Total Debt Servicing Ratio (TDSR) which is capped at 60% applies to all residential & commercial property purchase and refinance loans under both individual’s as well as holding company’s name. In other words, only a commercial property operating under company’s name is exempted from TDSR requirements. TDSR affects the majority of loan applications .It is therefore important, to ensure that home owners are able to pass this requirement when they are buying a property, refinancing or decoupling a property.

This calculator is specially designed to estimate max 80% loan for first time private property buyers. And if the income is not sufficient it will also estimate the pledged and unpledged savings amount to show to bankers. Get ready your intended purchase price, pay slip, income tax and statement of all current borrowing facilities with all your banks.

Please read and agree our Privacy Policy as proceeding with this service acknowledges your consent to be contacted.


Privacy Policy

Housing Loan Advisors Pte Ltd (the “Company”) operates the (the “Website”) and the housingloanadvisors mobile application (the “Service”).

This page informs you of the Company’s policies regarding the collection, use and disclosure of Personal Information when you use the Website & Service.

We will not use or share your information with anyone except as described in this Privacy Policy.

The Company uses your Personal Information for providing and improving the Website & Service. By using the Website & Service, you agree to the collection and use of information in accordance with this policy, which complies with the Personal Data Protection Act (PDPA) 2012 Singapore. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meaning as in the Company’s Terms and Conditions.

Information Collection And Use

While using the Company’s Website & Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to, your email address, name, phone number, postal address, other information (“Personal Information”).


By providing us your personal information which may include, but is not limited to, your email address, name, phone number, postal address, other information, you agree to give us consent to the collection and use of your personal data for our purposes which may include, but not limited to, product promotions, calculation results, and post-sale services.

Log Data

The Company may also collect information that your browser sends whenever you visit the Website or Service or when you access the Service by or through a mobile device (“Log Data”).

This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages and other statistics.

When you access the Website or Service by or through a mobile device, this Log Data may include information such as the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use and other statistics.

In addition, the Company may use third party services such as Google Analytics that collect, monitor and analyze this type of information in order to increase our Website & Service’s functionality. These third party service providers have their own privacy policies addressing how they use such information.

Location information

The Company may use and store information about your location, if you give us permission to do so. We use this information to provide features of our Website & Service, to improve and customize our Website & Service. You can enable or disable location services when you use our Service at anytime, through your mobile device settings.


Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer’s hard drive.

The Company use “cookies” to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

DoubleClick Cookie

Google, as a third party vendor, uses cookies to serve ads on our Website & Service. Google’s use of the DoubleClick cookie enables it and its partners to serve ads to our users based on their visit to our Website & Service or other web sites on the Internet.

You may opt out of the use of the DoubleClick Cookie for interest-based advertising by visiting the Google Ads Settings web page.

Behavioural Remarketing

The Company uses remarketing services to advertise on third party web sites to you after you have visited our Website or Service. The Company, and our third party vendors, use cookies to inform, optimize and serve ads based on your past visits to our Website or Service.

Google AdWords remarketing service is provided by Google Inc.

You can opt-out of Google Analytics for Display Advertising and customize the Google Display Network ads by visiting the Google Ads Settings page:

Google also recommends installing the Google Analytics Opt-out Browser Add-on – – for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page:

Service Providers

The Company may employ third party companies and individuals to facilitate our Website or Service, to provide the Service on our behalf, to perform Service-related services or to assist us in analysing how our Website & Service is used.

These third parties have access to your Personal Information only to perform these tasks on the Company’s behalf and are obligated not to disclose or use it for any other purpose.


The Company may use your Personal Information to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send or by contacting us.

Compliance With Laws

The Company will disclose your Personal Information where required to do so by law or subpoena or if the Company believes that such action is necessary to comply with the law and the reasonable requests of law enforcement agencies or to protect the security or integrity of our Website & Service.

Business Transaction

If the Company is involved in a merger, acquisition or asset sale, your Personal Information may be transferred. The Company will provide notice before your Personal Information is transferred and becomes subject to a different Privacy Policy.


The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While the Company strives to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

International Transfer

Your information, including Personal Information, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

If you are located outside Singapore and choose to provide information to us, please note that we transfer the information, including Personal Information, to Singapore and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

Links To Other Sites

Our Website & Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit.

The Company has no control over, and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Children’s Privacy

Our Service does not address anyone under the age of 18 (“Children”).

We do not knowingly collect personally identifiable information from children under 18. If you are a parent or guardian and you are aware that your Children have provided us with Personal Information, please contact us. If we become aware that we have collected Personal Information from children under age 18 without verification of parental consent, we take steps to remove that information from our servers.

Changes To This Privacy Policy

The Company may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, please contact the Company.

I agree to the Privacy Policy or Stop here.