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

Principal borrowed: $0
Total interest: $0
Total amount repaid: $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: 26 May 2026

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FAQ

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 (assuming a tenure not exceeding 30 years and not extending past age 65). The remaining 25% includes a minimum 5% cash down payment.

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 $600,000, 25-year loan typically adds ~$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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