One of the tougher restriction is as follow. "The government will also tighten the total debt servicing ratio threshold to 55% from 60%, which takes effect from Dec 16. This means that a person’s total monthly loan payments, including mortgages, cannot exceed 55% of the individual’s total gross income." Many experts say is just 5% only. So let see how much it will be like. TDSR Formula To calculate a borrower’s TDSR, use the following formula: (Borrower's total monthly debt obligations / Borrower's gross monthly income) x 100% Residential property or secured by residential property Not less than 3.5% or the prevailing market interest rate, whichever is higher. Let say debt is $5000 monthly for a Condo today, Gross Salary needs to be $8333. With the 5% increase in TDSR, Salary now needs to be $9091. That's $758 increase of Gross income. Personally I feel this is not a small sum....