Singapore Mortgage Calculator 2026 | HDB & Bank Loan, CPF, MSR & TDSR

It estimates monthly repayments, total interest, and loan tenure based on the property price, down payment, interest rate, and tenure in SGD, using standard amortisation logic to show indicative repayment amounts. Results are estimates and not a loan offer or approval.

Yes — it's suitable for first-time buyers, upgraders, and investors planning property purchases, and it supports scenario planning for different loan amounts and interest rates. Final eligibility and terms depend on the lender and regulatory checks.

Enter the agreed purchase price or a realistic market estimate. Stamp duties, legal fees, and renovation costs are usually separate, since the tool focuses on the loan component only.

You can test different down-payment percentages, but the minimum depends on LTV limits, the loan type, and the borrower profile. Always cross-check with bank or HDB rules before committing.

Mortgage interest rates may change over time with market conditions and policy updates, so review your projection yearly. It reflects current inputs, not future guarantees.

A common mistake is assuming the lowest interest rate stays constant for the full tenure. Another is ignoring future income changes or higher rates. The tool helps compare scenarios, not predict outcomes.

Not necessarily — a longer tenure usually reduces monthly payments but increases the total interest paid, and the tool clearly shows this trade-off. Comparing short and long tenures helps you make a balanced decision.

Yes — banks may show one scenario at a time, whereas here you can compare low, base, and high interest cases independently, which improves your negotiation and budgeting confidence.

The maths is accurate based on your inputs, but actual repayments may differ because of changing rates, fees, or lender policies. Treat the results as indicative planning figures.

It doesn't assess credit eligibility, stress tests, or individual bank approval criteria, and it can't automatically adjust for future policy or rate changes. Professional advice may still be required.

In Singapore, loan eligibility and limits are shaped by regulatory frameworks such as LTV and debt-servicing norms, and authorities encourage prudent borrowing and stress testing. The tool supports planning, not compliance decisions.

MAS-style guidance generally promotes affordability checks and realistic budgeting, and comparing repayment scenarios helps borrowers manage interest-rate risk. The tool aligns with responsible financial planning principles.

Switching rate types can change monthly repayments and total interest, so using multiple scenarios helps you understand the potential impact before switching. The tool helps estimate, not lock rates.

Focus on monthly repayment comfort rather than the maximum loan size, and compare conservative, base, and higher-rate scenarios. Revisit the calculation whenever your income or rates change.

Yes — expats can convert foreign income to SGD for planning. Loan eligibility may differ based on residency and bank policies, and the tool doesn't determine approval.

Exchange rate movements can affect your effective repayment capacity when income is earned overseas, so conservative assumptions reduce the risk. The tool helps estimate affordability, not currency outcomes.

Yes — comparing mortgage repayments with rent helps you assess long-term affordability and supports a more informed buy-versus-rent decision. The tool assists with repayment visibility.

Update the calculation yearly or when interest rates change, validate the assumptions with banks or housing advisors, and use the insights to plan savings, buffers, and repayment comfort.