To estimate your bank loan, consider your monthly income ($4,700), age (54), and the Total Debt Servicing Ratio (TDSR) of 60%. Your total debt obligations should not exceed $2,820. With a maximum loan tenure of 11 years and an interest rate of around 3%, you might qualify for a loan amount of $400,000 to $500,000. Bank approval will depend on additional factors like your credit score and other debts.