Compare HDB and bank loans, check your TDSR and MSR, and see what refinancing, prepaying or a bridging loan costs. Monthly instalments use the loan limits MAS and HDB publish.
Estimate your HDB concessionary loan repayments, total interest, downpayment split, and MSR/TDSR position.
Open calculatorMonthly instalment on a bank home loan at today's 3M SORA or a fixed rate, with MAS LTV limits, cash downpayment and a TDSR and MSR check at 4%.
Open calculatorCheck your TDSR and MSR with MAS's rules: the 55% and 30% limits, the 4% stress rate, haircuts on variable income and savings, and your maximum loan.
Open calculatorCompare an HDB loan at 2.6% with a bank loan on the same flat: instalment, total interest, 5% cash, LTV and MSR limits, and the rate after lock-in where the bank loses.
Open calculatorThe bridging loan you need for your next home's down payment before your sale completes, interest over up to 6 months, and whether the sale cash repays it after CPF.
Open calculatorThe longest home loan tenure you can take on an HDB or bank loan, how tenure changes your LTV under MAS rules, and what a longer loan costs in interest.
Open calculatorWork out how much cash you can borrow against your private home under MAS rules: 75% or 45% of the valuation less your loan and CPF used, whether TDSR applies, and the instalment.
Open calculatorEstimate the home loan a bank's in-principle approval could show from your income, debts and age under MAS's TDSR, MSR and LTV rules, with how long an IPA lasts and how it differs from HDB's HFE letter.
Open calculatorWork out the penalty and subsidy clawback for paying down your home loan early, the interest the prepayment saves, and whether to prepay now or after the lock-in, with what DBS, OCBC and UOB publish.
Open calculatorWork out IRAS mortgage duty on your home loan: 0.4% of the loan capped at S$500, who pays, the deadline, refinancing and extra loans, and the late penalty.
Open calculatorMAS bans interest-only loans for buying a home in Singapore, bridging loans aside. Compare interest-only with amortising repayment: monthly cost, interest, the balance still owed and the jump when interest-only ends.
Open calculatorCompare staying on your home loan, repricing with your bank or refinancing at 3M SORA plus a spread, after legal fees, mortgage duty, lock-in penalty and clawback, with the months to break even.
Open calculatorSee how much of your monthly home loan instalment your CPF Ordinary Account covers as your OA share falls with age, the cash top-up when it falls short, and the accrued interest.
Open calculatorThe 2.5% accrued interest on CPF used for your home, the full refund to your CPF when you sell, where it goes from age 55 and the cash you keep after the loan.
See what you pay at each stage of a new condo or EC under construction: the 5% booking fee, cash and CPF for the downpayment, bank disbursements and your instalment as the loan is drawn.
HDB loan is fixed at 2.6% with no cash down payment and lets you refinance out anytime. Bank loans in mid-2026 start near 1.3% but lock you in and demand 5% cash. Here is how to pick.
A bridging loan covers your new home's downpayment before your old flat's sale money lands. Here are the 2026 rates, fees, tenure and the math.
TDSR caps your monthly debt at 55% of income. Here is how Singapore banks calculate it in 2026, the 4% stress rate, income haircuts, and ways to pass.
What the value to loan ratio means in Singapore, the 75/45/35 LTV limits, when they drop to 55/25/15, and the exact cash you must put down in 2026.
3M SORA is the benchmark most floating mortgages in Singapore are priced on. Here is the June 2026 figure, how it differs from 1M SORA, and what a falling rate does to your repayment.
Loan tenure is the silent price tag on every loan. Here is what the typical and maximum tenures are in Singapore for 2026, with the real interest each year adds.
The SORA rate today sits near a multi-year low. Here are the live 1M, 3M and 6M figures, where they came from, and how to read them before you pick a mortgage.
Your CPF OA can fund the downpayment, stamp duty and monthly repayments on an HDB or condo. Here is how much you can use in 2026, the accrued interest trap, and when cash wins.
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