When the bank's loan falls short of the price under TDSR, MAS rules let you count pledged or shown funds toward income. The loan booster sizes the shortfall and shows how much you would need to pledge, or to show, to close it — and what each route costs you in locked cash.
What you enter
- Price, income, debts and tenure, or the shortfall directly
- Whether the funds can be locked for the pledge period
What you get
- The loan shortfall under the stress test
- Funds to pledge, or the larger sum to show
- The cash left free under each route
Worked example
A $120,000 loan shortfall, 30-year tenure
Pledge about $175,000, or show about $525,000
- Shortfall in monthly serviceable debt
- $573
- Pledged funds needed
- $175,000, locked
- Shown funds needed
- $525,000, liquid
Illustrative, for a Singapore citizen couple, 35, first property, $12,000 a month between them, $250,000 cash and $200,000 in CPF Ordinary Account unless the case says otherwise. Your own numbers replace every figure the moment you use the tool.
The rule behind it, in prose: How much can I borrow in Singapore?.
Answers: TDSR shortfall, pledge funds home loan, show funds bank.
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