Calculator
Mortgage Repayment Calculator
Estimate your monthly home loan repayment, total interest, and full amortisation schedule.
Your inputs
Results
Monthly repayment
$0
- Principal borrowed
- $0
- Total interest
- $0
- Total amount repaid
- $0
- 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
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.
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.
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.
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.
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.
Yes — the formula is the same. Just remember HDB tenure is capped at 30 years (25 years for HDB concessionary loan) and private property tenure is capped at 35 years under MAS rules.
Buyer's Stamp Duty, Additional BSD (if applicable), legal/conveyancing fees ($2,500–$3,500), valuation fees ($300–$500), home/fire insurance, mortgage insurance (MRTA), property tax, monthly maintenance, and minor renovation. Try our Stamp Duty and Property Tax calculators for the larger items.
No. This is an indicative planning 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 obtain an in-principle approval (IPA) from your bank.
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