Loan Eligibility Calculator Singapore
See how much you can borrow in Singapore on your salary in SGD, and what Singapore banks actually require before they approve you.
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Borrowing requirements in Singapore
What you can borrow in Singapore is set by your income in SGD and your existing commitments. Buzdy holds published eligibility terms for 6 lending products from 3 banks in Singapore — the real requirements are listed below.
Credit card eligibility in Singapore
| Card | Bank | Minimum income | Minimum age | Salary transfer |
|---|---|---|---|---|
| UOB EVOL Card | UOB Singapore | — | 21 | Not Required |
| Family & Friends Card | Maybank Singapore | — | 21 | Not Required |
| PLATINUM VISA CARD | Maybank Singapore | — | 21 | Not Required |
| HORIZON VISA SIGNATURE CARD | Maybank Singapore | — | 21 | Not Required |
| FC BARCELONA VISA SIGNATURE | Maybank Singapore | — | 21 | Not Required |
| MAYBANK EVIBES CARD | Maybank Singapore | — | 18 | Not Required |
6 cards state a minimum income or minimum age. Income figures are in SGD unless the bank says otherwise.
Banks we track in Singapore
Keep going in Singapore
Guides for Singapore
Singapore — frequently asked questions
What is the minimum age to borrow in Singapore?
Minimum ages stated by the products we track in Singapore include 21; 18.
Do I need to transfer my salary to get a card or loan in Singapore?
Not always — 16 of the 21 cards we track in Singapore state that a salary transfer is not required. Transferring your salary to the lender often gets you a better rate anyway.
How much can I borrow on my salary?
Most lenders cap total monthly repayments at roughly 50% of monthly income (the debt burden ratio). The checker above applies that rule to the salary and existing repayments you enter, then converts the spare capacity into a maximum loan.