Mortgage Calculator
Mortgage Calculator Singapore
Calculate your Singapore home loan monthly repayment, total interest and amortisation schedule · House loan calculator for HDB and private property
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Singapore Mortgage Calculator - how to use
Use this mortgage calculator Singapore to work out your monthly repayments, total interest, and total repayment amount. Just enter your property price, down payment, interest rate, and loan tenure.
This mortgage calculator works for HDB flats and private properties. Compare different prices, loan amounts, and interest rates before you commit, whether you're using it as a house loan calculator, home loan calculator, or mortgage repayment calculator.
Four factors drive your monthly repayment: property price, down payment, loan amount, and loan tenure. A higher down payment lowers your loan amount. A longer tenure lowers monthly repayments but raises total interest paid over time.
Trend note: As of July 2026, Singapore mortgage rates are near 3-year lows. Fixed packages start around 1.40% p.a., with floating rates tracking SORA at roughly 1.1 to 1.2%. Use the mortgage calculator above to see how current rates affect your repayments.
The calculator also builds an amortisation schedule, showing how much of each payment goes to principal versus interest. Early repayments go mostly to interest; later repayments reduce more of the principal.
TDSR, MSR, LTV, CPF usage, stamp duty, and legal fees can all affect your loan eligibility. This calculator gives an estimate only. Your bank's final loan amount and rate depend on your income, credit rating, and property type.
Frequently Asked Questions About Singapore Mortgage Calculator
Monthly mortgage repayment is calculated using the loan amount, interest rate and loan tenure. This mortgage calculator Singapore uses the standard reducing balance method, where each payment covers both principal and interest.
Yes. You can use this calculator to estimate home loan repayments for HDB flats, condos and private properties. Borrowing limits and loan rules may still differ depending on the property type and loan type.
TDSR stands for Total Debt Servicing Ratio. It caps how much of your gross monthly income can repayments go toward total monthly debt. For property loans in Singapore, the TDSR threshold is generally 55%.
MSR stands for Mortgage Servicing Ratio. It applies to HDB flat purchases and caps monthly mortgage repayment at 30% of the borrower's gross monthly income. This is separate from, and stricter than, TDSR.
Yes. CPF Ordinary Account savings can generally be used for your housing down payment and monthly mortgage instalments, subject to CPF housing usage rules and withdrawal limits.
A fixed rate gives more certainty, since the interest rate stays fixed for a set period. A floating rate moves up or down with market rates. The better choice depends on your risk tolerance, budget and current loan package offers.