OCBC Home Loan Calculator Singapore
Estimate your monthly repayment on an OCBC housing loan. The rate below is pre-set to OCBC's indicative 2026 two-year fixed package — change it to match the rate OCBC 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$3,869.01
25 years · 300 monthly payments
Principal
S$800,000
Interest
S$360,703
Total RepaymentS$1,160,703.25
Total InterestS$360,703.25
Loan AmountS$800,000
Interest Rate3.18% p.a.
💡
At 3.2% p.a. over 25 years, you pay 45% 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.
✅
Monthly repayment S$3,869.01 must be within 55% TDSR limit of your gross income (MAS rule).
OCBC Home Loan Rates & Package Structure
OCBC lends across private property, executive condominiums and HDB flats, with both fixed-rate and SORA-pegged packages. OCBC is generally known for flexible repricing terms once a package's lock-in period has run, which matters more than the headline rate if you expect to switch packages within a few years.
| Bank | Indicative fixed rate | |
|---|---|---|
| OCBC | 3.18% p.a. | This page |
| DBS | 3.10% p.a. | See DBS calculator → |
| UOB | 3.15% p.a. | See UOB 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 OCBC fixed packages is typically 2 years. OCBC's official home loan page ↗
Not affiliated with Oversea-Chinese Banking Corporation. 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 OCBC. Apply through OCBC directly.
About OCBC Home Loan Calculator Singapore
OCBC is Singapore's second-largest bank and a long-standing residential mortgage lender, financing private property, executive condominiums and HDB flats through fixed-rate and SORA-pegged packages. As with every Singapore lender, how much OCBC can lend you is fixed by MAS — 75% LTV on a first property, 55% TDSR, a 4% stress test — so the meaningful comparison against DBS or UOB is on rate, lock-in length and repricing flexibility rather than loan size.
Before you apply: Check your TDSR → and your max budget →
How This OCBC 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 OCBC home loan at 3.18% p.a. over 25 years, this calculator returns a monthly instalment of S$3,869. Across the full tenure you repay S$1,160,703 in total, of which S$360,703 is interest — 45.1% 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.
OCBC Home Loan Calculator Singapore — Frequently Asked Questions
Common questions about ocbc home loan calculator singapore in Singapore.