HDB Loan Calculator Singapore
Calculate your HDB loan repayments with CPF contribution. The HDB concessionary loan rate is 2.6% p.a. (0.1% above CPF OA rate).
· 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$560,000
S$100,000S$1,200,000
Loan Amount 80% LTV
S$
S$50,000S$900,000
Interest Rate (p.a.)
%
1%6%
Loan Tenure25 yrs
5 yr25 yrs
CPF OA MonthlyS$1,500
S$0S$5,000
Your Estimate
Monthly Repayment
S$2,041.51
25 years · 300 monthly payments
Principal
S$450,000
Interest
S$162,454
Total RepaymentS$612,453.83
Total InterestS$162,453.83
Loan AmountS$450,000
Interest Rate2.60% p.a.
Cash Top-up NeededS$541.51/mo
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At 2.6% p.a. over 25 years, you pay 36% extra in interest on top of your principal.
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Show this estimate to your bank or mortgage broker. Actual rates may vary based on your credit profile.
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Monthly repayment S$2,041.51 must be within 55% TDSR limit of your gross income (MAS rule).
About HDB Loan Calculator Singapore
The HDB concessionary loan is available to eligible Singapore citizens purchasing HDB flats. The interest rate is pegged at 0.1% above the CPF Ordinary Account (OA) interest rate, currently 2.6% per annum. Unlike bank loans, HDB loans allow you to use 100% of your CPF OA savings, and there is no lock-in period.
Before you apply: Check your TDSR → and your max budget →
HDB Loan Calculator Singapore — Frequently Asked Questions
Common questions about hdb loan calculator singapore in Singapore.