Calculator

Mortgage Repayment Calculator

Estimate your monthly home loan repayment, total interest, and full amortisation schedule.

Your inputs

Property price

Loan-to-Value (LTV)

Typical max LTV: 75% for first home loan, 45% for second, 35% for third.

Loan amount

Auto-calculated from Price × LTV — override if you have a specific loan amount in mind.

Interest rate (per annum)

Loan tenure

years

Max 30 years for HDB and 35 years for private property under MAS rules.

Results

Monthly repayment

S$0

Principal borrowed: S$0
Total interest: S$0
Total amount repaid: S$0

Year-by-year amortisation

Year	Principal paid	Interest paid	Remaining balance

Results are indicative only and not a bank-approved quotation, IRAS assessment, or HDB confirmation.
Interest rates, stamp-duty rates, LTV limits and CPF rules change. Verify the latest with MAS, IRAS, HDB and your lender before transacting.
Consult a qualified mortgage broker, conveyancing lawyer, or accountant for advice specific to your situation.
SellMyHouse.sg accepts no liability for decisions made on the basis of these calculations.

References

Last updated: 25 Sep 2026

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Frequently Asked Questions

How do I use this mortgage calculator?

Enter your property price, the LTV ratio your bank offers (typically 75% for a first home loan), the interest rate, and tenure in years. The monthly repayment, total interest, and amortisation schedule update instantly as you type.

What is Loan-to-Value (LTV)?

LTV is the percentage of the property price your bank will finance. MAS caps LTV at 75% for a first housing loan, 45% for a second, and 35% for a third, provided the tenure does not exceed 30 years (25 for an HDB flat) or extend past age 65. On a first bank loan, at least 5% of the price must be paid in cash; with an HDB loan the whole 25% can come from CPF.

How does the interest rate affect my repayment?

Higher rates increase both your monthly repayment and the total interest you pay over the tenure. A 1 percentage-point rise on a S$600,000, 25-year loan typically adds ~S$300+ to the monthly payment.

What does a longer tenure do?

Stretching the tenure lowers your monthly repayment but increases the total interest paid over the life of the loan — because you accrue interest for more years on a slower-shrinking principal.

Is the interest rate fixed in real Singapore loans?

Usually not. Most bank packages float against 3-month compounded SORA or the bank's board rate, with a fixed teaser period of 1–3 years. HDB concessionary loans are pegged at CPF Ordinary Account rate + 0.1%. This calculator assumes a single constant rate for the full tenure.

What other costs aren't shown here?

Buyer's Stamp Duty, Additional BSD (if applicable), legal/conveyancing fees, valuation fees, home/fire insurance, mortgage insurance, property tax, monthly maintenance, and minor renovation. Try our Stamp Duty and Property Tax calculators for the larger items.

Can I rely on these numbers for a loan application?

No. This is an indicative, educational tool only. Banks compute your eligibility under the Total Debt Servicing Ratio (TDSR) at a stress-test rate (currently 4% floor for property loans), factor in your other debts, and use their own valuation. Always seek professional advice from a banker to obtain an in-principle approval (IPA) from your bank.

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