UOB Home Loan Calculator Singapore
Estimate your monthly repayment on a UOB housing loan. The rate below is pre-set to UOB's indicative 2026 two-year fixed package — adjust it to whatever UOB has actually 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$3,856.40
25 years · 300 monthly payments
Principal
S$800,000
Interest
S$356,920
Total RepaymentS$1,156,919.65
Total InterestS$356,919.65
Loan AmountS$800,000
Interest Rate3.15% p.a.
💡
At 3.1% 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$3,856.40 must be within 55% TDSR limit of your gross income (MAS rule).
UOB Home Loan Rates & Package Structure
UOB's property loan range covers both fixed-rate and SORA-pegged packages, for private property and HDB flats. Packages commonly include a free conversion option once the lock-in period ends, which lets you reprice with UOB rather than refinance to another bank.
| Bank | Indicative fixed rate | |
|---|---|---|
| UOB | 3.15% p.a. | This page |
| DBS | 3.10% p.a. | See DBS 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 UOB fixed packages is typically 2 years. UOB's official home loan page ↗
Not affiliated with United Overseas Bank. 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 UOB. Apply through UOB directly.
About UOB Home Loan Calculator Singapore
UOB is one of Singapore's three local banks and a major residential mortgage lender, offering housing loans for private property, executive condominiums and HDB flats. Like every bank in Singapore, UOB's lending is bounded by the same MAS framework — 75% LTV on a first property, a 55% TDSR ceiling, and a stress test at 4% p.a. What differs between banks is the rate, the lock-in terms and the repricing options, not how much you are allowed to borrow.
Before you apply: Check your TDSR → and your max budget →
How This UOB 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 UOB home loan at 3.15% p.a. over 25 years, this calculator returns a monthly instalment of S$3,856. Across the full tenure you repay S$1,156,920 in total, of which S$356,920 is interest — 44.6% 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.
UOB Home Loan Calculator Singapore — Frequently Asked Questions
Common questions about uob home loan calculator singapore in Singapore.