Home loan calculators
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.
- HDB Loan Calculator: Estimate your HDB concessionary loan repayments, total interest, downpayment split, and MSR/TDSR position.
- Mortgage and Housing Loan Calculator: Monthly instalment on a bank home loan at today's 3M SORA or a fixed rate, with MAS LTV limits.
- TDSR calculator Singapore: Check your TDSR and MSR with MAS's rules: the 55% and 30% limits, the 4% stress rate, haircuts on variable income and savings.
- HDB loan vs bank loan calculator: Compare an HDB loan at 2.6% with a bank loan on the same flat: instalment, total interest, 5% cash, LTV and MSR limits.
- Bridging loan calculator: The bridging loan you need for your next home's down payment before your sale completes, interest over up to 6 months.
- Loan tenure calculator: The longest home loan tenure you can take on an HDB or bank loan, how tenure changes your LTV under MAS rules.
- Equity term loan calculator: Work 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.
- In-principle approval (IPA) estimator: Estimate 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.
- Mortgage prepayment penalty calculator: Work out the penalty and subsidy clawback for paying down your home loan early, the interest the prepayment saves.
- Mortgage stamp duty calculator: Work 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.
- Interest-only loan calculator: MAS bans interest-only loans for buying a home in Singapore, bridging loans aside.
- Mortgage refinancing calculator Singapore: Compare staying on your home loan, repricing with your bank or refinancing at 3M SORA plus a spread, after legal fees, mortgage duty.
- CPF OA housing loan repayment calculator: See how much of your monthly home loan instalment your CPF Ordinary Account covers as your OA share falls with age.
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