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What is Total Debt Servicing Ratio. Watching time 3:31. Get a Free Detailed Home Loan Report here. https://icompareloan.com/equity-term-... For those who wants a more detailed understanding, here is a full technical analysis. https://icompareloan.com/equity-term-... What is MSR? MSR stands for Mortgage servicing ratio (or monthly servicing ratio), is the the monthly installment that you payment for your housing loan. Currently (as at Feb 2021), the MSR is set at 30%. Example, if you earn $5,000 per month, the maximum HDB flat installment you can service is 30% of $5,000, or $1,500. That means, your HDB installment cannot be higher than $1,500. You can only take a HDB flat home loan such that your mnthly installment amounts to maximum $1,500. You will need to reduce the loan such that the installment is a maximum of $1,500. Here is a short 3mins 31sec short video on what is TDSR and MSR, without any formula. Agent can sign up here to get the detailed report for your users. https://consultant.icompareloan.com