Singapore Mortgage Calculator - HDB & Private Property Loan Calculator

Calculate Your Mortgage

Property Type:

Property Price (SGD):

Down Payment (%):

Loan Tenure (Years):

Interest Rate (% per annum):

Monthly Gross Income (SGD):

Existing Monthly Loan Commitments (SGD):

Mortgage Calculation Results

Enter your property and loan details to calculate your monthly mortgage payment and affordability.

Singapore Property Loan Information

This mortgage calculator helps you estimate your monthly loan payments for HDB flats and private properties in Singapore, taking into account the Total Debt Servicing Ratio (TDSR) framework.

Key Loan Limits & Requirements

HDB Loan: Up to 90% loan-to-value (LTV), 2.6% interest rate
Bank Loan (HDB): Up to 75% LTV for HDB flats
Private Property: Up to 75% LTV for first property, 45% for second property
TDSR Limit: Total monthly debt obligations cannot exceed 60% of gross monthly income
MSR Limit: Mortgage servicing ratio cannot exceed 30% for HDB loans

Additional Costs to Consider

Stamp Duty: Buyer's Stamp Duty (BSD) and Additional Buyer's Stamp Duty (ABSD)
Legal Fees: Conveyancing and legal costs
Valuation Fees: Property valuation costs
Fire Insurance: Mandatory for HDB flats
Mortgage Insurance: For high LTV loans

CPF Usage

You can use your CPF Ordinary Account savings to pay for the down payment and monthly installments, subject to CPF withdrawal limits and valuation limits.