Home Loan & Mortgage Calculator Singapore
Estimate your monthly housing loan repayment and see the full amortisation schedule. Works for fixed-rate and SORA-pegged mortgage packages from every major Singapore bank.
· 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).
About Home Loan & Mortgage Calculator Singapore
A home loan — or mortgage — in Singapore is a property-secured loan used to buy private residential property, including condominiums, landed homes and executive condominiums. DBS, OCBC, UOB, Maybank, Standard Chartered, Citibank and HSBC all offer fixed-rate and floating-rate packages. Since the industry-wide move off SIBOR, every floating package is priced off SORA (Singapore Overnight Rate Average) plus a bank spread, so the practical choice is between locking a fixed rate for two to three years or riding SORA and repricing when it suits you.
Before you apply: Check your TDSR → and your max budget →
How This Home Loan & Mortgage 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 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.
Home Loan & Mortgage Calculator Singapore — Frequently Asked Questions
Common questions about home loan & mortgage calculator singapore in Singapore.