DBS Home Loan Calculator Singapore
Estimate your monthly repayment on a DBS or POSB housing loan. The rate below is pre-set to DBS's indicative 2026 two-year fixed package — replace it with the rate DBS has quoted you.
· Free · No sign-up required
How to use:① Enter your loan amount using the slider or type directly② Adjust the interest rate to match your bank's offer③ View your monthly repayment and full schedule instantly
Loan Details
Property Price
Purchase Price / ValuationS$1,050,000
S$300,000S$8,000,000
Loan Amount 75% LTV
S$
S$100,000S$5,000,000
Interest Rate (p.a.)
%
1%8%
Loan Tenure25 yrs
5 yr35 yrs
Your Estimate
Monthly Repayment
S$3,835.43
25 years · 300 monthly payments
Principal
S$800,000
Interest
S$350,629
Total RepaymentS$1,150,629.25
Total InterestS$350,629.25
Loan AmountS$800,000
Interest Rate3.10% p.a.
💡
At 3.1% p.a. over 25 years, you pay 44% extra in interest on top of your principal.
📋
Show this estimate to your bank or mortgage broker. Actual rates may vary based on your credit profile.
✅
Monthly repayment S$3,835.43 must be within 55% TDSR limit of your gross income (MAS rule).
DBS Home Loan Rates & Package Structure
DBS is Singapore's largest bank and lends under both the DBS and POSB brands — a POSB home loan is a DBS home loan, priced from the same book. Its range spans fixed-rate packages and SORA-pegged floating packages for private property, ECs and HDB flats.
| Bank | Indicative fixed rate | |
|---|---|---|
| DBS | 3.10% p.a. | This page |
| UOB | 3.15% p.a. | See UOB calculator → |
| OCBC | 3.18% p.a. | See OCBC calculator → |
Indicative rates only. Banks reprice packages frequently and actual rates offered depend on your loan quantum, property type and credit profile. Confirm current rates with the bank before you commit. Lock-in on DBS fixed packages is typically 2 years. DBS's official home loan page ↗
Not affiliated with DBS Bank (and POSB). LoanCalculatorSingapore.com is an independent calculator. We are not a bank, a mortgage broker or a licensed financial adviser, we do not process applications, and we are not endorsed by or connected to DBS. Apply through DBS directly.
About DBS Home Loan Calculator Singapore
DBS is the largest home loan provider in Singapore and lends under both the DBS and POSB names. Its housing loans cover private residential property, executive condominiums and HDB flats, in fixed-rate and SORA-pegged floating forms. The amount you can borrow is set by MAS rules that apply to every bank equally — 75% LTV on a first property, TDSR capped at 55% of gross income — so what you are really comparing between DBS and its competitors is the rate, the lock-in period and how cheaply you can move to a better package later.
Before you apply: Check your TDSR → and your max budget →
How This DBS Home Loan Calculator Singapore Works
This calculator uses the standard amortisation formula — the same one Singapore banks use to build your repayment schedule. Interest each month is charged only on the balance still outstanding, so the interest portion of your instalment shrinks over time while the principal portion grows, even though the instalment itself stays level.
Amortisation formula
M = P × i × (1 + i)n ÷ [(1 + i)n − 1]
M = monthly instalment · P = loan amount · i = annual rate ÷ 12 · n = tenure in months
Worked example
On a S$800,000 DBS home loan at 3.1% p.a. over 25 years, this calculator returns a monthly instalment of S$3,835. Across the full tenure you repay S$1,150,629 in total, of which S$350,629 is interest — 43.8% on top of what you borrowed.
Change any input above and the schedule recalculates instantly. The result is an estimate based on the rate you enter — it excludes legal fees, valuation fees, fire insurance and any lock-in penalties, and it is not a loan offer or a statement of what you will be approved for.
Sources & Last Reviewed
Regulatory limits and indicative bank rates on this page were last reviewed on . Bank rates are indicative and change frequently — always confirm the current rate directly with the lender before committing. This calculator is an estimate, not a loan offer.
DBS Home Loan Calculator Singapore — Frequently Asked Questions
Common questions about dbs home loan calculator singapore in Singapore.