🍪 Would you like to allow advertising? Calculators work either way. Ad partners may use cookies and similar technologies.

📍 Singapore · Housing & Loans Updated 2025/2026 Rules

Singapore Mortgage Calculator

Estimate your Singapore monthly mortgage payment and compare the effect of changing your down payment, rate, term and other costs. Confirm current terms with a lender.

Singapore · SGD

Modeled for Singapore: HDB Housing Loan or Commercial Bank Mortgage. MAS regulations: 55% Total Debt Servicing Ratio (TDSR) and 30% MSR for HDB flats

Rule version: source-linked-2026 · Last reviewed: 2026-09-06 (Verified statutory framework) · Official reference

⚙️ Inputs 📊 Breakdown 📅 Amortization 📖 Guide

Loan Details ?

Home price ? SGD 450,000.00

$50,000 $2,000,000+

Down payment ? SGD 112,500.00

Loan Terms

Interest rate (Annual %) ? 3.25%

1.0% 15.0%

Loan term

Monthly Costs & Escrow

Property Tax (% / year)

Home insurance ($ / yr)

HOA / Fees ($ / mo)

Fees and Advanced Options ▼

Origination fees ($)

Points (%)

Reset

Monthly Payment ✓

SGD 1,644.69

Principal, Interest, Tax & Ins. PITI

Total Payments 🗓️

SGD 493,407.00

Over full loan term

Total Interest 💲

SGD 155,908.03

Cost of borrowing

Loan & APR SG

SGD 337,500.00

APR 3.25% · LTV 75.00%

Monthly Payment Breakdown

Where each monthly dollar goes

SGD 1,644.69 / mo

100.0% P&I

P&I 100.0%

SGD 1,644.69

Composite

🛡️ Every on-time payment reduces your principal balance and builds lasting equity.

Tax + Insurance + HOA Total: SGD 0.00 / mo

⚠

Rate Context excellent

Below the 25th percentile of published rates — a strong offer.

Market average 3.25% · 25th 3.25% · 75th 3.25% · your rate is 0 bp vs average (sample of 61 loans).

Download PDF

Calculation is instantly saved in this shareable URL.

Principal vs. Interest Cumulative Principal Interest

Outstanding Loan Balance Over Time

Amortization Schedule

Track how your balance decreases month by month or year by year

Year	Annual Payment	Principal Paid	Interest Paid	Ending Balance
Year 1	SGD 19,736.28	SGD 8,899.32	SGD 10,836.96	SGD 328,600.68
Year 2	SGD 19,736.28	SGD 9,192.90	SGD 10,543.38	SGD 319,407.78
Year 3	SGD 19,736.28	SGD 9,496.16	SGD 10,240.12	SGD 309,911.62
Year 4	SGD 19,736.28	SGD 9,809.43	SGD 9,926.85	SGD 300,102.19
Year 5	SGD 19,736.28	SGD 10,133.01	SGD 9,603.27	SGD 289,969.18
Year 6	SGD 19,736.28	SGD 10,467.29	SGD 9,268.99	SGD 279,501.89
Year 7	SGD 19,736.28	SGD 10,812.58	SGD 8,923.70	SGD 268,689.31
Year 8	SGD 19,736.28	SGD 11,169.27	SGD 8,567.01	SGD 257,520.04
Year 9	SGD 19,736.28	SGD 11,537.75	SGD 8,198.53	SGD 245,982.29
Year 10	SGD 19,736.28	SGD 11,918.36	SGD 7,817.92	SGD 234,063.93
Year 11	SGD 19,736.28	SGD 12,311.52	SGD 7,424.76	SGD 221,752.41
Year 12	SGD 19,736.28	SGD 12,717.67	SGD 7,018.61	SGD 209,034.74
Year 13	SGD 19,736.28	SGD 13,137.19	SGD 6,599.09	SGD 195,897.55
Year 14	SGD 19,736.28	SGD 13,570.56	SGD 6,165.72	SGD 182,326.99
Year 15	SGD 19,736.28	SGD 14,018.24	SGD 5,718.04	SGD 168,308.75
Year 16	SGD 19,736.28	SGD 14,480.69	SGD 5,255.59	SGD 153,828.06
Year 17	SGD 19,736.28	SGD 14,958.36	SGD 4,777.92	SGD 138,869.70
Year 18	SGD 19,736.28	SGD 15,451.82	SGD 4,284.46	SGD 123,417.88
Year 19	SGD 19,736.28	SGD 15,961.57	SGD 3,774.71	SGD 107,456.31
Year 20	SGD 19,736.28	SGD 16,488.11	SGD 3,248.17	SGD 90,968.20
Year 21	SGD 19,736.28	SGD 17,032.01	SGD 2,704.27	SGD 73,936.19
Year 22	SGD 19,736.28	SGD 17,593.90	SGD 2,142.38	SGD 56,342.29
Year 23	SGD 19,736.28	SGD 18,174.29	SGD 1,561.99	SGD 38,168.00
Year 24	SGD 19,736.28	SGD 18,773.82	SGD 962.46	SGD 19,394.18
Year 25	SGD 19,736.28	SGD 19,393.15	SGD 343.13	SGD 1.03

Month	Payment	Principal	Interest	Remaining Balance
Month 1	SGD 1,644.69	SGD 730.63	SGD 914.06	SGD 336,769.37
Month 2	SGD 1,644.69	SGD 732.61	SGD 912.08	SGD 336,036.76
Month 3	SGD 1,644.69	SGD 734.59	SGD 910.10	SGD 335,302.17
Month 4	SGD 1,644.69	SGD 736.58	SGD 908.11	SGD 334,565.59
Month 5	SGD 1,644.69	SGD 738.57	SGD 906.12	SGD 333,827.02
Month 6	SGD 1,644.69	SGD 740.58	SGD 904.11	SGD 333,086.44
Month 7	SGD 1,644.69	SGD 742.58	SGD 902.11	SGD 332,343.86
Month 8	SGD 1,644.69	SGD 744.59	SGD 900.10	SGD 331,599.27
Month 9	SGD 1,644.69	SGD 746.61	SGD 898.08	SGD 330,852.66
Month 10	SGD 1,644.69	SGD 748.63	SGD 896.06	SGD 330,104.03
Month 11	SGD 1,644.69	SGD 750.66	SGD 894.03	SGD 329,353.37
Month 12	SGD 1,644.69	SGD 752.69	SGD 892.00	SGD 328,600.68
Month 13	SGD 1,644.69	SGD 754.73	SGD 889.96	SGD 327,845.95
Month 14	SGD 1,644.69	SGD 756.77	SGD 887.92	SGD 327,089.18
Month 15	SGD 1,644.69	SGD 758.82	SGD 885.87	SGD 326,330.36
Month 16	SGD 1,644.69	SGD 760.88	SGD 883.81	SGD 325,569.48
Month 17	SGD 1,644.69	SGD 762.94	SGD 881.75	SGD 324,806.54
Month 18	SGD 1,644.69	SGD 765.01	SGD 879.68	SGD 324,041.53
Month 19	SGD 1,644.69	SGD 767.08	SGD 877.61	SGD 323,274.45
Month 20	SGD 1,644.69	SGD 769.16	SGD 875.53	SGD 322,505.29
Month 21	SGD 1,644.69	SGD 771.24	SGD 873.45	SGD 321,734.05
Month 22	SGD 1,644.69	SGD 773.33	SGD 871.36	SGD 320,960.72
Month 23	SGD 1,644.69	SGD 775.42	SGD 869.27	SGD 320,185.30
Month 24	SGD 1,644.69	SGD 777.52	SGD 867.17	SGD 319,407.78
Month 25	SGD 1,644.69	SGD 779.63	SGD 865.06	SGD 318,628.15
Month 26	SGD 1,644.69	SGD 781.74	SGD 862.95	SGD 317,846.41
Month 27	SGD 1,644.69	SGD 783.86	SGD 860.83	SGD 317,062.55
Month 28	SGD 1,644.69	SGD 785.98	SGD 858.71	SGD 316,276.57
Month 29	SGD 1,644.69	SGD 788.11	SGD 856.58	SGD 315,488.46
Month 30	SGD 1,644.69	SGD 790.24	SGD 854.45	SGD 314,698.22
Month 31	SGD 1,644.69	SGD 792.38	SGD 852.31	SGD 313,905.84
Month 32	SGD 1,644.69	SGD 794.53	SGD 850.16	SGD 313,111.31
Month 33	SGD 1,644.69	SGD 796.68	SGD 848.01	SGD 312,314.63
Month 34	SGD 1,644.69	SGD 798.84	SGD 845.85	SGD 311,515.79
Month 35	SGD 1,644.69	SGD 801.00	SGD 843.69	SGD 310,714.79
Month 36	SGD 1,644.69	SGD 803.17	SGD 841.52	SGD 309,911.62
Month 37	SGD 1,644.69	SGD 805.35	SGD 839.34	SGD 309,106.27
Month 38	SGD 1,644.69	SGD 807.53	SGD 837.16	SGD 308,298.74
Month 39	SGD 1,644.69	SGD 809.71	SGD 834.98	SGD 307,489.03
Month 40	SGD 1,644.69	SGD 811.91	SGD 832.78	SGD 306,677.12
Month 41	SGD 1,644.69	SGD 814.11	SGD 830.58	SGD 305,863.01
Month 42	SGD 1,644.69	SGD 816.31	SGD 828.38	SGD 305,046.70
Month 43	SGD 1,644.69	SGD 818.52	SGD 826.17	SGD 304,228.18
Month 44	SGD 1,644.69	SGD 820.74	SGD 823.95	SGD 303,407.44
Month 45	SGD 1,644.69	SGD 822.96	SGD 821.73	SGD 302,584.48
Month 46	SGD 1,644.69	SGD 825.19	SGD 819.50	SGD 301,759.29
Month 47	SGD 1,644.69	SGD 827.43	SGD 817.26	SGD 300,931.86
Month 48	SGD 1,644.69	SGD 829.67	SGD 815.02	SGD 300,102.19
Month 49	SGD 1,644.69	SGD 831.91	SGD 812.78	SGD 299,270.28
Month 50	SGD 1,644.69	SGD 834.17	SGD 810.52	SGD 298,436.11
Month 51	SGD 1,644.69	SGD 836.43	SGD 808.26	SGD 297,599.68
Month 52	SGD 1,644.69	SGD 838.69	SGD 806.00	SGD 296,760.99
Month 53	SGD 1,644.69	SGD 840.96	SGD 803.73	SGD 295,920.03
Month 54	SGD 1,644.69	SGD 843.24	SGD 801.45	SGD 295,076.79
Month 55	SGD 1,644.69	SGD 845.52	SGD 799.17	SGD 294,231.27
Month 56	SGD 1,644.69	SGD 847.81	SGD 796.88	SGD 293,383.46
Month 57	SGD 1,644.69	SGD 850.11	SGD 794.58	SGD 292,533.35
Month 58	SGD 1,644.69	SGD 852.41	SGD 792.28	SGD 291,680.94
Month 59	SGD 1,644.69	SGD 854.72	SGD 789.97	SGD 290,826.22
Month 60	SGD 1,644.69	SGD 857.04	SGD 787.65	SGD 289,969.18
Month 61	SGD 1,644.69	SGD 859.36	SGD 785.33	SGD 289,109.82
Month 62	SGD 1,644.69	SGD 861.68	SGD 783.01	SGD 288,248.14
Month 63	SGD 1,644.69	SGD 864.02	SGD 780.67	SGD 287,384.12
Month 64	SGD 1,644.69	SGD 866.36	SGD 778.33	SGD 286,517.76
Month 65	SGD 1,644.69	SGD 868.70	SGD 775.99	SGD 285,649.06
Month 66	SGD 1,644.69	SGD 871.06	SGD 773.63	SGD 284,778.00
Month 67	SGD 1,644.69	SGD 873.42	SGD 771.27	SGD 283,904.58
Month 68	SGD 1,644.69	SGD 875.78	SGD 768.91	SGD 283,028.80
Month 69	SGD 1,644.69	SGD 878.15	SGD 766.54	SGD 282,150.65
Month 70	SGD 1,644.69	SGD 880.53	SGD 764.16	SGD 281,270.12
Month 71	SGD 1,644.69	SGD 882.92	SGD 761.77	SGD 280,387.20
Month 72	SGD 1,644.69	SGD 885.31	SGD 759.38	SGD 279,501.89
Month 73	SGD 1,644.69	SGD 887.71	SGD 756.98	SGD 278,614.18
Month 74	SGD 1,644.69	SGD 890.11	SGD 754.58	SGD 277,724.07
Month 75	SGD 1,644.69	SGD 892.52	SGD 752.17	SGD 276,831.55
Month 76	SGD 1,644.69	SGD 894.94	SGD 749.75	SGD 275,936.61
Month 77	SGD 1,644.69	SGD 897.36	SGD 747.33	SGD 275,039.25
Month 78	SGD 1,644.69	SGD 899.79	SGD 744.90	SGD 274,139.46
Month 79	SGD 1,644.69	SGD 902.23	SGD 742.46	SGD 273,237.23
Month 80	SGD 1,644.69	SGD 904.67	SGD 740.02	SGD 272,332.56
Month 81	SGD 1,644.69	SGD 907.12	SGD 737.57	SGD 271,425.44
Month 82	SGD 1,644.69	SGD 909.58	SGD 735.11	SGD 270,515.86
Month 83	SGD 1,644.69	SGD 912.04	SGD 732.65	SGD 269,603.82
Month 84	SGD 1,644.69	SGD 914.51	SGD 730.18	SGD 268,689.31
Month 85	SGD 1,644.69	SGD 916.99	SGD 727.70	SGD 267,772.32
Month 86	SGD 1,644.69	SGD 919.47	SGD 725.22	SGD 266,852.85
Month 87	SGD 1,644.69	SGD 921.96	SGD 722.73	SGD 265,930.89
Month 88	SGD 1,644.69	SGD 924.46	SGD 720.23	SGD 265,006.43
Month 89	SGD 1,644.69	SGD 926.96	SGD 717.73	SGD 264,079.47
Month 90	SGD 1,644.69	SGD 929.47	SGD 715.22	SGD 263,150.00
Month 91	SGD 1,644.69	SGD 931.99	SGD 712.70	SGD 262,218.01
Month 92	SGD 1,644.69	SGD 934.52	SGD 710.17	SGD 261,283.49
Month 93	SGD 1,644.69	SGD 937.05	SGD 707.64	SGD 260,346.44
Month 94	SGD 1,644.69	SGD 939.59	SGD 705.10	SGD 259,406.85
Month 95	SGD 1,644.69	SGD 942.13	SGD 702.56	SGD 258,464.72
Month 96	SGD 1,644.69	SGD 944.68	SGD 700.01	SGD 257,520.04
Month 97	SGD 1,644.69	SGD 947.24	SGD 697.45	SGD 256,572.80
Month 98	SGD 1,644.69	SGD 949.81	SGD 694.88	SGD 255,622.99
Month 99	SGD 1,644.69	SGD 952.38	SGD 692.31	SGD 254,670.61
Month 100	SGD 1,644.69	SGD 954.96	SGD 689.73	SGD 253,715.65
Month 101	SGD 1,644.69	SGD 957.54	SGD 687.15	SGD 252,758.11
Month 102	SGD 1,644.69	SGD 960.14	SGD 684.55	SGD 251,797.97
Month 103	SGD 1,644.69	SGD 962.74	SGD 681.95	SGD 250,835.23
Month 104	SGD 1,644.69	SGD 965.34	SGD 679.35	SGD 249,869.89
Month 105	SGD 1,644.69	SGD 967.96	SGD 676.73	SGD 248,901.93
Month 106	SGD 1,644.69	SGD 970.58	SGD 674.11	SGD 247,931.35
Month 107	SGD 1,644.69	SGD 973.21	SGD 671.48	SGD 246,958.14
Month 108	SGD 1,644.69	SGD 975.85	SGD 668.84	SGD 245,982.29
Month 109	SGD 1,644.69	SGD 978.49	SGD 666.20	SGD 245,003.80
Month 110	SGD 1,644.69	SGD 981.14	SGD 663.55	SGD 244,022.66
Month 111	SGD 1,644.69	SGD 983.80	SGD 660.89	SGD 243,038.86
Month 112	SGD 1,644.69	SGD 986.46	SGD 658.23	SGD 242,052.40
Month 113	SGD 1,644.69	SGD 989.13	SGD 655.56	SGD 241,063.27
Month 114	SGD 1,644.69	SGD 991.81	SGD 652.88	SGD 240,071.46
Month 115	SGD 1,644.69	SGD 994.50	SGD 650.19	SGD 239,076.96
Month 116	SGD 1,644.69	SGD 997.19	SGD 647.50	SGD 238,079.77
Month 117	SGD 1,644.69	SGD 999.89	SGD 644.80	SGD 237,079.88
Month 118	SGD 1,644.69	SGD 1,002.60	SGD 642.09	SGD 236,077.28
Month 119	SGD 1,644.69	SGD 1,005.31	SGD 639.38	SGD 235,071.97
Month 120	SGD 1,644.69	SGD 1,008.04	SGD 636.65	SGD 234,063.93
Month 121	SGD 1,644.69	SGD 1,010.77	SGD 633.92	SGD 233,053.16
Month 122	SGD 1,644.69	SGD 1,013.50	SGD 631.19	SGD 232,039.66
Month 123	SGD 1,644.69	SGD 1,016.25	SGD 628.44	SGD 231,023.41
Month 124	SGD 1,644.69	SGD 1,019.00	SGD 625.69	SGD 230,004.41
Month 125	SGD 1,644.69	SGD 1,021.76	SGD 622.93	SGD 228,982.65
Month 126	SGD 1,644.69	SGD 1,024.53	SGD 620.16	SGD 227,958.12
Month 127	SGD 1,644.69	SGD 1,027.30	SGD 617.39	SGD 226,930.82
Month 128	SGD 1,644.69	SGD 1,030.09	SGD 614.60	SGD 225,900.73
Month 129	SGD 1,644.69	SGD 1,032.88	SGD 611.81	SGD 224,867.85
Month 130	SGD 1,644.69	SGD 1,035.67	SGD 609.02	SGD 223,832.18
Month 131	SGD 1,644.69	SGD 1,038.48	SGD 606.21	SGD 222,793.70
Month 132	SGD 1,644.69	SGD 1,041.29	SGD 603.40	SGD 221,752.41
Month 133	SGD 1,644.69	SGD 1,044.11	SGD 600.58	SGD 220,708.30
Month 134	SGD 1,644.69	SGD 1,046.94	SGD 597.75	SGD 219,661.36
Month 135	SGD 1,644.69	SGD 1,049.77	SGD 594.92	SGD 218,611.59
Month 136	SGD 1,644.69	SGD 1,052.62	SGD 592.07	SGD 217,558.97
Month 137	SGD 1,644.69	SGD 1,055.47	SGD 589.22	SGD 216,503.50
Month 138	SGD 1,644.69	SGD 1,058.33	SGD 586.36	SGD 215,445.17
Month 139	SGD 1,644.69	SGD 1,061.19	SGD 583.50	SGD 214,383.98
Month 140	SGD 1,644.69	SGD 1,064.07	SGD 580.62	SGD 213,319.91
Month 141	SGD 1,644.69	SGD 1,066.95	SGD 577.74	SGD 212,252.96
Month 142	SGD 1,644.69	SGD 1,069.84	SGD 574.85	SGD 211,183.12
Month 143	SGD 1,644.69	SGD 1,072.74	SGD 571.95	SGD 210,110.38
Month 144	SGD 1,644.69	SGD 1,075.64	SGD 569.05	SGD 209,034.74
Month 145	SGD 1,644.69	SGD 1,078.55	SGD 566.14	SGD 207,956.19
Month 146	SGD 1,644.69	SGD 1,081.48	SGD 563.21	SGD 206,874.71
Month 147	SGD 1,644.69	SGD 1,084.40	SGD 560.29	SGD 205,790.31
Month 148	SGD 1,644.69	SGD 1,087.34	SGD 557.35	SGD 204,702.97
Month 149	SGD 1,644.69	SGD 1,090.29	SGD 554.40	SGD 203,612.68
Month 150	SGD 1,644.69	SGD 1,093.24	SGD 551.45	SGD 202,519.44
Month 151	SGD 1,644.69	SGD 1,096.20	SGD 548.49	SGD 201,423.24
Month 152	SGD 1,644.69	SGD 1,099.17	SGD 545.52	SGD 200,324.07
Month 153	SGD 1,644.69	SGD 1,102.15	SGD 542.54	SGD 199,221.92
Month 154	SGD 1,644.69	SGD 1,105.13	SGD 539.56	SGD 198,116.79
Month 155	SGD 1,644.69	SGD 1,108.12	SGD 536.57	SGD 197,008.67
Month 156	SGD 1,644.69	SGD 1,111.12	SGD 533.57	SGD 195,897.55
Month 157	SGD 1,644.69	SGD 1,114.13	SGD 530.56	SGD 194,783.42
Month 158	SGD 1,644.69	SGD 1,117.15	SGD 527.54	SGD 193,666.27
Month 159	SGD 1,644.69	SGD 1,120.18	SGD 524.51	SGD 192,546.09
Month 160	SGD 1,644.69	SGD 1,123.21	SGD 521.48	SGD 191,422.88
Month 161	SGD 1,644.69	SGD 1,126.25	SGD 518.44	SGD 190,296.63
Month 162	SGD 1,644.69	SGD 1,129.30	SGD 515.39	SGD 189,167.33
Month 163	SGD 1,644.69	SGD 1,132.36	SGD 512.33	SGD 188,034.97
Month 164	SGD 1,644.69	SGD 1,135.43	SGD 509.26	SGD 186,899.54
Month 165	SGD 1,644.69	SGD 1,138.50	SGD 506.19	SGD 185,761.04
Month 166	SGD 1,644.69	SGD 1,141.59	SGD 503.10	SGD 184,619.45
Month 167	SGD 1,644.69	SGD 1,144.68	SGD 500.01	SGD 183,474.77
Month 168	SGD 1,644.69	SGD 1,147.78	SGD 496.91	SGD 182,326.99
Month 169	SGD 1,644.69	SGD 1,150.89	SGD 493.80	SGD 181,176.10
Month 170	SGD 1,644.69	SGD 1,154.00	SGD 490.69	SGD 180,022.10
Month 171	SGD 1,644.69	SGD 1,157.13	SGD 487.56	SGD 178,864.97
Month 172	SGD 1,644.69	SGD 1,160.26	SGD 484.43	SGD 177,704.71
Month 173	SGD 1,644.69	SGD 1,163.41	SGD 481.28	SGD 176,541.30
Month 174	SGD 1,644.69	SGD 1,166.56	SGD 478.13	SGD 175,374.74
Month 175	SGD 1,644.69	SGD 1,169.72	SGD 474.97	SGD 174,205.02
Month 176	SGD 1,644.69	SGD 1,172.88	SGD 471.81	SGD 173,032.14
Month 177	SGD 1,644.69	SGD 1,176.06	SGD 468.63	SGD 171,856.08
Month 178	SGD 1,644.69	SGD 1,179.25	SGD 465.44	SGD 170,676.83
Month 179	SGD 1,644.69	SGD 1,182.44	SGD 462.25	SGD 169,494.39
Month 180	SGD 1,644.69	SGD 1,185.64	SGD 459.05	SGD 168,308.75
Month 181	SGD 1,644.69	SGD 1,188.85	SGD 455.84	SGD 167,119.90
Month 182	SGD 1,644.69	SGD 1,192.07	SGD 452.62	SGD 165,927.83
Month 183	SGD 1,644.69	SGD 1,195.30	SGD 449.39	SGD 164,732.53
Month 184	SGD 1,644.69	SGD 1,198.54	SGD 446.15	SGD 163,533.99
Month 185	SGD 1,644.69	SGD 1,201.79	SGD 442.90	SGD 162,332.20
Month 186	SGD 1,644.69	SGD 1,205.04	SGD 439.65	SGD 161,127.16
Month 187	SGD 1,644.69	SGD 1,208.30	SGD 436.39	SGD 159,918.86
Month 188	SGD 1,644.69	SGD 1,211.58	SGD 433.11	SGD 158,707.28
Month 189	SGD 1,644.69	SGD 1,214.86	SGD 429.83	SGD 157,492.42
Month 190	SGD 1,644.69	SGD 1,218.15	SGD 426.54	SGD 156,274.27
Month 191	SGD 1,644.69	SGD 1,221.45	SGD 423.24	SGD 155,052.82
Month 192	SGD 1,644.69	SGD 1,224.76	SGD 419.93	SGD 153,828.06
Month 193	SGD 1,644.69	SGD 1,228.07	SGD 416.62	SGD 152,599.99
Month 194	SGD 1,644.69	SGD 1,231.40	SGD 413.29	SGD 151,368.59
Month 195	SGD 1,644.69	SGD 1,234.73	SGD 409.96	SGD 150,133.86
Month 196	SGD 1,644.69	SGD 1,238.08	SGD 406.61	SGD 148,895.78
Month 197	SGD 1,644.69	SGD 1,241.43	SGD 403.26	SGD 147,654.35
Month 198	SGD 1,644.69	SGD 1,244.79	SGD 399.90	SGD 146,409.56
Month 199	SGD 1,644.69	SGD 1,248.16	SGD 396.53	SGD 145,161.40
Month 200	SGD 1,644.69	SGD 1,251.54	SGD 393.15	SGD 143,909.86
Month 201	SGD 1,644.69	SGD 1,254.93	SGD 389.76	SGD 142,654.93
Month 202	SGD 1,644.69	SGD 1,258.33	SGD 386.36	SGD 141,396.60
Month 203	SGD 1,644.69	SGD 1,261.74	SGD 382.95	SGD 140,134.86
Month 204	SGD 1,644.69	SGD 1,265.16	SGD 379.53	SGD 138,869.70
Month 205	SGD 1,644.69	SGD 1,268.58	SGD 376.11	SGD 137,601.12
Month 206	SGD 1,644.69	SGD 1,272.02	SGD 372.67	SGD 136,329.10
Month 207	SGD 1,644.69	SGD 1,275.47	SGD 369.22	SGD 135,053.63
Month 208	SGD 1,644.69	SGD 1,278.92	SGD 365.77	SGD 133,774.71
Month 209	SGD 1,644.69	SGD 1,282.38	SGD 362.31	SGD 132,492.33
Month 210	SGD 1,644.69	SGD 1,285.86	SGD 358.83	SGD 131,206.47
Month 211	SGD 1,644.69	SGD 1,289.34	SGD 355.35	SGD 129,917.13
Month 212	SGD 1,644.69	SGD 1,292.83	SGD 351.86	SGD 128,624.30
Month 213	SGD 1,644.69	SGD 1,296.33	SGD 348.36	SGD 127,327.97
Month 214	SGD 1,644.69	SGD 1,299.84	SGD 344.85	SGD 126,028.13
Month 215	SGD 1,644.69	SGD 1,303.36	SGD 341.33	SGD 124,724.77
Month 216	SGD 1,644.69	SGD 1,306.89	SGD 337.80	SGD 123,417.88
Month 217	SGD 1,644.69	SGD 1,310.43	SGD 334.26	SGD 122,107.45
Month 218	SGD 1,644.69	SGD 1,313.98	SGD 330.71	SGD 120,793.47
Month 219	SGD 1,644.69	SGD 1,317.54	SGD 327.15	SGD 119,475.93
Month 220	SGD 1,644.69	SGD 1,321.11	SGD 323.58	SGD 118,154.82
Month 221	SGD 1,644.69	SGD 1,324.69	SGD 320.00	SGD 116,830.13
Month 222	SGD 1,644.69	SGD 1,328.28	SGD 316.41	SGD 115,501.85
Month 223	SGD 1,644.69	SGD 1,331.87	SGD 312.82	SGD 114,169.98
Month 224	SGD 1,644.69	SGD 1,335.48	SGD 309.21	SGD 112,834.50
Month 225	SGD 1,644.69	SGD 1,339.10	SGD 305.59	SGD 111,495.40
Month 226	SGD 1,644.69	SGD 1,342.72	SGD 301.97	SGD 110,152.68
Month 227	SGD 1,644.69	SGD 1,346.36	SGD 298.33	SGD 108,806.32
Month 228	SGD 1,644.69	SGD 1,350.01	SGD 294.68	SGD 107,456.31
Month 229	SGD 1,644.69	SGD 1,353.66	SGD 291.03	SGD 106,102.65
Month 230	SGD 1,644.69	SGD 1,357.33	SGD 287.36	SGD 104,745.32
Month 231	SGD 1,644.69	SGD 1,361.00	SGD 283.69	SGD 103,384.32
Month 232	SGD 1,644.69	SGD 1,364.69	SGD 280.00	SGD 102,019.63
Month 233	SGD 1,644.69	SGD 1,368.39	SGD 276.30	SGD 100,651.24
Month 234	SGD 1,644.69	SGD 1,372.09	SGD 272.60	SGD 99,279.15
Month 235	SGD 1,644.69	SGD 1,375.81	SGD 268.88	SGD 97,903.34
Month 236	SGD 1,644.69	SGD 1,379.54	SGD 265.15	SGD 96,523.80
Month 237	SGD 1,644.69	SGD 1,383.27	SGD 261.42	SGD 95,140.53
Month 238	SGD 1,644.69	SGD 1,387.02	SGD 257.67	SGD 93,753.51
Month 239	SGD 1,644.69	SGD 1,390.77	SGD 253.92	SGD 92,362.74
Month 240	SGD 1,644.69	SGD 1,394.54	SGD 250.15	SGD 90,968.20
Month 241	SGD 1,644.69	SGD 1,398.32	SGD 246.37	SGD 89,569.88
Month 242	SGD 1,644.69	SGD 1,402.10	SGD 242.59	SGD 88,167.78
Month 243	SGD 1,644.69	SGD 1,405.90	SGD 238.79	SGD 86,761.88
Month 244	SGD 1,644.69	SGD 1,409.71	SGD 234.98	SGD 85,352.17
Month 245	SGD 1,644.69	SGD 1,413.53	SGD 231.16	SGD 83,938.64
Month 246	SGD 1,644.69	SGD 1,417.36	SGD 227.33	SGD 82,521.28
Month 247	SGD 1,644.69	SGD 1,421.19	SGD 223.50	SGD 81,100.09
Month 248	SGD 1,644.69	SGD 1,425.04	SGD 219.65	SGD 79,675.05
Month 249	SGD 1,644.69	SGD 1,428.90	SGD 215.79	SGD 78,246.15
Month 250	SGD 1,644.69	SGD 1,432.77	SGD 211.92	SGD 76,813.38
Month 251	SGD 1,644.69	SGD 1,436.65	SGD 208.04	SGD 75,376.73
Month 252	SGD 1,644.69	SGD 1,440.54	SGD 204.15	SGD 73,936.19
Month 253	SGD 1,644.69	SGD 1,444.45	SGD 200.24	SGD 72,491.74
Month 254	SGD 1,644.69	SGD 1,448.36	SGD 196.33	SGD 71,043.38
Month 255	SGD 1,644.69	SGD 1,452.28	SGD 192.41	SGD 69,591.10
Month 256	SGD 1,644.69	SGD 1,456.21	SGD 188.48	SGD 68,134.89
Month 257	SGD 1,644.69	SGD 1,460.16	SGD 184.53	SGD 66,674.73
Month 258	SGD 1,644.69	SGD 1,464.11	SGD 180.58	SGD 65,210.62
Month 259	SGD 1,644.69	SGD 1,468.08	SGD 176.61	SGD 63,742.54
Month 260	SGD 1,644.69	SGD 1,472.05	SGD 172.64	SGD 62,270.49
Month 261	SGD 1,644.69	SGD 1,476.04	SGD 168.65	SGD 60,794.45
Month 262	SGD 1,644.69	SGD 1,480.04	SGD 164.65	SGD 59,314.41
Month 263	SGD 1,644.69	SGD 1,484.05	SGD 160.64	SGD 57,830.36
Month 264	SGD 1,644.69	SGD 1,488.07	SGD 156.62	SGD 56,342.29
Month 265	SGD 1,644.69	SGD 1,492.10	SGD 152.59	SGD 54,850.19
Month 266	SGD 1,644.69	SGD 1,496.14	SGD 148.55	SGD 53,354.05
Month 267	SGD 1,644.69	SGD 1,500.19	SGD 144.50	SGD 51,853.86
Month 268	SGD 1,644.69	SGD 1,504.25	SGD 140.44	SGD 50,349.61
Month 269	SGD 1,644.69	SGD 1,508.33	SGD 136.36	SGD 48,841.28
Month 270	SGD 1,644.69	SGD 1,512.41	SGD 132.28	SGD 47,328.87
Month 271	SGD 1,644.69	SGD 1,516.51	SGD 128.18	SGD 45,812.36
Month 272	SGD 1,644.69	SGD 1,520.61	SGD 124.08	SGD 44,291.75
Month 273	SGD 1,644.69	SGD 1,524.73	SGD 119.96	SGD 42,767.02
Month 274	SGD 1,644.69	SGD 1,528.86	SGD 115.83	SGD 41,238.16
Month 275	SGD 1,644.69	SGD 1,533.00	SGD 111.69	SGD 39,705.16
Month 276	SGD 1,644.69	SGD 1,537.16	SGD 107.53	SGD 38,168.00
Month 277	SGD 1,644.69	SGD 1,541.32	SGD 103.37	SGD 36,626.68
Month 278	SGD 1,644.69	SGD 1,545.49	SGD 99.20	SGD 35,081.19
Month 279	SGD 1,644.69	SGD 1,549.68	SGD 95.01	SGD 33,531.51
Month 280	SGD 1,644.69	SGD 1,553.88	SGD 90.81	SGD 31,977.63
Month 281	SGD 1,644.69	SGD 1,558.08	SGD 86.61	SGD 30,419.55
Month 282	SGD 1,644.69	SGD 1,562.30	SGD 82.39	SGD 28,857.25
Month 283	SGD 1,644.69	SGD 1,566.53	SGD 78.16	SGD 27,290.72
Month 284	SGD 1,644.69	SGD 1,570.78	SGD 73.91	SGD 25,719.94
Month 285	SGD 1,644.69	SGD 1,575.03	SGD 69.66	SGD 24,144.91
Month 286	SGD 1,644.69	SGD 1,579.30	SGD 65.39	SGD 22,565.61
Month 287	SGD 1,644.69	SGD 1,583.57	SGD 61.12	SGD 20,982.04
Month 288	SGD 1,644.69	SGD 1,587.86	SGD 56.83	SGD 19,394.18
Month 289	SGD 1,644.69	SGD 1,592.16	SGD 52.53	SGD 17,802.02
Month 290	SGD 1,644.69	SGD 1,596.48	SGD 48.21	SGD 16,205.54
Month 291	SGD 1,644.69	SGD 1,600.80	SGD 43.89	SGD 14,604.74
Month 292	SGD 1,644.69	SGD 1,605.14	SGD 39.55	SGD 12,999.60
Month 293	SGD 1,644.69	SGD 1,609.48	SGD 35.21	SGD 11,390.12
Month 294	SGD 1,644.69	SGD 1,613.84	SGD 30.85	SGD 9,776.28
Month 295	SGD 1,644.69	SGD 1,618.21	SGD 26.48	SGD 8,158.07
Month 296	SGD 1,644.69	SGD 1,622.60	SGD 22.09	SGD 6,535.47
Month 297	SGD 1,644.69	SGD 1,626.99	SGD 17.70	SGD 4,908.48
Month 298	SGD 1,644.69	SGD 1,631.40	SGD 13.29	SGD 3,277.08
Month 299	SGD 1,644.69	SGD 1,635.81	SGD 8.88	SGD 1,641.27
Month 300	SGD 1,644.69	SGD 1,640.24	SGD 4.45	SGD 1.03

15-Year vs. 30-Year Loan Comparison

Principal and interest comparison showing long-term interest savings

Loan Term	Monthly P&I	Total Interest Paid	Total Interest Saved
180 Months (15 Years)	SGD 2,371.51	SGD 89,371.12	Save SGD 101,904.81
360 Months (30 Years)	SGD 1,468.82	SGD 191,275.93	Baseline

Mortgage estimate

A mortgage payment depends on the loan amount, interest rate and term. Depending on the property and location, taxes, insurance, mortgage insurance, association charges and fees may also affect the overall cost. Add the costs that apply to your situation to compare scenarios.

This calculator provides an estimate from the values entered and the selected country assumptions. It does not assess a complete mortgage application or replace a lender's offer. Inputs are sent over HTTPS for calculation and are not saved to an account or calculation database.

Who Benefits Most

First-time homebuyers benefit from seeing their true total monthly housing commitment—encompassing principal, interest, tax escrows, hazard insurance, and private mortgage insurance—before making an offer on a home. Existing homeowners evaluating a refinance can accurately test whether monthly interest savings offset appraisal, origination, and title fees to establish their true breakeven date. International expatriates, cross-border professionals, and relocating families can contrast borrowing limits, mandatory deposit thresholds, and repayment mechanics across different legal jurisdictions without switching software or deciphering unfamiliar terminology.

Country-specific details

The calculators cover country-specific details such as US PMI rules, Australian Lenders Mortgage Insurance (LMI), Canadian mortgage default insurance, and German annuity structures (Annuitätendarlehen with Tilgung and Zinsbindung). Inputs are sent to our application over HTTPS to calculate results, but are not saved to an account or calculation database. Shareable links may include the values you entered.

A Practical Walk-Through of Our Financial Tool Suites

Making sound property and borrowing decisions requires looking beyond an isolated loan payment. Our platform arranges complementary financial tools into three specialized suites, allowing you to examine every dimension of your personal balance sheet.

1. Housing and Mortgage Suite

The Home Affordability Calculator estimates a price from income, debts and country assumptions. The Mortgage Calculator estimates payments from the loan amount, rate, term and costs you enter. You can also compare extra payments, refinancing costs, or rent and buy scenarios using your own assumptions.

2. Income, Tax, and Budgeting Suite

The Salary Calculator estimates take-home pay using the selected country and the details entered. The Budget Calculator helps organize income and expenses. Both can help you explore a budget, but neither decides whether a lender will approve an application.

3. Debt Elimination and Wealth Accumulation Suite

The Debt Consolidation and Loan Calculators compare payments and interest using the values you provide. The Compound Interest Calculator illustrates how contributions and assumed returns affect a future balance; returns are not guaranteed.

How to Use This Mortgage Calculator

Begin by entering your agreed Home Price, which represents the gross purchase valuation stated on your real estate purchase agreement. Next, enter your cash Down Payment (or deposit). The calculator subtracts this down payment from the property price to determine your net base loan principal, displaying your Loan-to-Value (LTV) percentage immediately. If your down payment is below conventional thresholds (such as 20% in the United States, Australia, or Canada), the system automatically incorporates statutory mortgage default insurance into your monthly projections.

Enter the annual interest rate and loan term from the offer you want to assess. A shorter term usually has higher regular payments and may reduce interest over the life of the loan. Add estimates for property taxes, insurance, mortgage insurance and HOA dues to see their effect on monthly housing costs.

Calculation Methodology & Statutory Standards

For a fixed-rate loan with regular monthly payments, the principal and interest estimate uses the standard amortization equation:

M = P × [ r(1 + r)ⁿ ] / [ (1 + r)ⁿ − 1 ]

In this formula, M is the monthly principal and interest payment, P is the loan principal, r is the monthly interest rate, and n is the number of monthly payments.

Each payment first covers interest on the outstanding balance; the remainder reduces principal. Taxes, insurance and other costs are shown from the values entered and country assumptions. Actual lender calculations, insurance rules and escrow amounts may differ; confirm them with your lender and relevant authority.

Frequently Asked Questions About Mortgage Financing

What is the practical difference between a mortgage interest rate and the APR?

The interest rate is the baseline annual cost of borrowing expressed as a percentage of your outstanding principal balance. The Annual Percentage Rate (APR) reflects the broader cost of financing, bundling the base interest rate together with origination points, discount points, processing fees, underwriting charges, and essential settlement expenses. Under Regulation Z of the Truth in Lending Act enforced by the Consumer Financial Protection Bureau (CFPB), lenders must disclose the APR so borrowers can make an apples-to-apples comparison across competing mortgage offers that feature differing upfront fee structures.

When and how can Private Mortgage Insurance (PMI) be cancelled?

Under the federal Homeowners Protection Act of 1998, you have the legal right to submit a written request to cancel PMI once your regular payments bring the principal loan balance down to 80% of the property's original value, provided your payment history is satisfactory. In addition, mortgage loan servicers are required by law to cancel PMI automatically once your amortization schedule reaches 78% of the original value, without requiring borrower intervention. Loans backed by the Federal Housing Administration (FHA) follow different statutory rules: borrowers who put down less than 10% must maintain Mortgage Insurance Premiums (MIP) for the entire duration of the loan.

How do additional principal curtailments reduce total loan cost and payoff duration?

Because mortgage interest is calculated monthly against the remaining principal balance, applying extra funds directly toward the principal lowers every subsequent monthly interest charge. For example, adding an extra $200 each month to a $400,000 30-year fixed loan at 6.75% eliminates more than five years of scheduled payments and prevents over $85,000 in interest charges from accruing. Conforming residential mortgages carry no statutory prepayment penalties, meaning borrowers can pay down principal at any cadence without penalty.

How does a fixed-rate mortgage compare against an adjustable-rate mortgage (ARM)?

A fixed-rate mortgage guarantees that your principal and interest payment remains identical over the entire loan life, shielding household budgets from macroeconomic rate volatility. An adjustable-rate mortgage (ARM) or tracker loan provides an initial discounted interest rate for a fixed period (such as 3, 5, or 7 years), after which the rate adjusts periodically according to a benchmark index (such as SOFR in the United States or the Bank of England base rate in the United Kingdom) plus a lender margin. Borrowers who plan to relocate or refinance before the initial fixed period expires can save significant interest with an ARM, but they accept the risk of higher future payments if benchmark rates rise.

Explore Related Financial Planning Calculators

Affordability Calculator →

Use this tool before touring properties to calculate your maximum purchase ceiling based on your gross household income, recurring personal debt obligations, and statutory debt-to-income (DTI) caps.

Extra Payment Calculator →

Use this tool to estimate how recurring or one-off extra payments could affect payoff time and total interest.

Refinance Calculator →

Use this tool when market interest rates decline to compute your financial break-even point by comparing ongoing payment reductions against upfront loan origination and closing settlement fees.

Singapore Mortgage Standards & Regulatory Limits

Mortgage underwriting in Singapore follows domestic statutory frameworks governing maximum loan-to-value (LTV) limits, minimum cash deposits, and mandatory interest rate stress tests. This calculator automatically incorporates Singapore standards into its assumptions so that your results reflect realistic underwriting requirements rather than generic estimates.

MSR 30% for residential; TDSR 55% of income for all debt.

Singapore home affordability calculator → Test extra mortgage payments → Mortgage refinance calculator → Compare renting and buying in Singapore → Estimate your total home-buying budget → Check Singapore net take-home salary → Explore country mortgage guides →

⚙️

Calculation Methodology & Proof

Mortgage (PITI + schedule)

The loan is amortized as above. Housing cost adds tax, insurance, HOA, and PMI. UK-style splits keep an interest-only balloon.

PITI = M + tax/12 + insurance/12 + HOA + PMI. IO payment = IO balance × r. Balloon = IO balance at term.

Loan amount = price − down payment. LTV = loan / price.
If an interest-only amount is set, only the remainder amortizes.
PMI (when enabled) is charged while scheduled LTV is above the threshold (default 80%).
Total cost sums interest, fees, and the recurring housing add-ons over the payoff period.

Important Caveats & Planning Assumptions

Tax and insurance are estimates; escrow analysis will differ.
PMI cancellation rules vary by product and country.

Read complete methodology documentation →

Frequently Asked Questions

Expert answers to common questions

What is included in the monthly total?

Principal and interest, plus estimated property tax, home insurance, HOA, and PMI when LTV is above the threshold. That PITI figure is what lenders use for affordability.

When does PMI drop off?

This calculator removes PMI once the scheduled balance reaches 80% of the original purchase price. Servicers may also need an appraisal; rules vary by country and loan type.

How does a UK split mortgage work here?

Set an interest-only amount. That slice is charged interest only and remains as a balloon; the rest amortizes over the term.

Total Monthly (PITI)

SGD 1,644.69

Breakdown ↓ Schedule

📋 Official Guide · 2026

Reviewed 2026-09-11 · Yes. You can use funds from your CPF Ordinary Account (OA) to pay down the principal, cover the initial 20% deposit, and pay the monthly installments, significantly reducing your out-of-pocket cash flow. However, when you eventually sell the property, you must refund the CPF principal used plus accrued interest back into your CPF account.

Singapore Mortgage Guide 2026: HDB, TDSR, and ABSD Rules

The Singaporean mortgage market is highly regulated by the MAS to prevent property bubbles. Borrowing is heavily dictated by property type (public HDB flats vs. private condominiums) and stringent debt-servicing limits. The market is also heavily taxed for foreigners and investors via the ABSD. This guide outlines the 2026 lending landscape.

How Much Can You Borrow in Singapore? ▼

Your borrowing capacity is determined by three strict macroprudential rules: LTV limits, TDSR, and MSR (for HDBs only).

Loan-to-Value (LTV) Limits

Bank Loan (Private Property or HDB): Maximum 75% LTV. You must provide a 25% down payment. Crucially, at least 5% of the purchase price must be paid in hard cash; the remaining 20% can come from your CPF (Central Provident Fund) Ordinary Account.

HDB Concessionary Loan (HDB only)	Maximum 80% LTV. You need a 20% down payment, all of which can be paid using CPF.

Total Debt Servicing Ratio (TDSR) ▼

Applies to all property purchases. Your total monthly debt obligations (mortgage, car loans, credit cards) cannot exceed 55% of your gross monthly income.

To calculate TDSR, banks must use a medium-term stress test rate. In 2026, the stress rate is typically 4.0% for residential properties.

Mortgage Servicing Ratio (MSR)

Applies only to HDB flats and Executive Condominiums (ECs). The monthly mortgage payment alone cannot exceed 30% of your gross monthly income. This is a much tighter constraint than TDSR and severely limits borrowing for public housing.

Use the affordability calculator to test your income against the 55% TDSR and 30% MSR limits.

Singapore Mortgage Types

Fixed Rate: The rate is locked for a short period (usually 2, 3, or 5 years). Provides stability. Break costs apply if you refinance or sell during the lock-in period.

Floating Rate (SORA-pegged): Tied to the Singapore Overnight Rate Average (SORA) — usually a 1-month or 3-month compounded SORA plus a bank margin. Highly transparent.

Board Rate	A variable rate determined internally by the bank. Less transparent than SORA.

HDB Concessionary Rate: Fixed at 0.1% above the CPF Ordinary Account interest rate (currently 2.60%). It is exceptionally stable but occasionally slightly higher than competitive bank rates.

Current Singapore Mortgage Rates (2026) ▼

Following MAS policy adjustments, typical 2026 rates are:

2-year or 3-year Fixed	3.10% to 3.40%
3-month Compounded SORA + Margin	3.20% to 3.60%

HDB Loan: 2.60%

*Rates are illustrative averages as of September 2026.*

Closing Costs and Taxes (Buyer's Stamp Duty) ▼

Singapore uses taxes aggressively to control foreign investment and multiple property ownership.

Buyer's Stamp Duty (BSD)

Progressive tax applied to all buyers. Approx. 1% on first $180k, 2% on next $180k, 3% on next $640k, 4% on next $500k, and up to 6% for properties over $3 million.

Additional Buyer's Stamp Duty (ABSD)
Singapore Citizens	0% on 1st property, 20% on 2nd, 30% on 3rd.
Permanent Residents (PR)	5% on 1st property, 30% on 2nd.

Foreigners: A massive 60% flat rate on any property purchase (subject to Free Trade Agreement exemptions, e.g., US citizens pay the same as SG citizens).

Other Buyer Costs:

Legal Fees	$1,500 to $3,000 SGD.
Valuation Fee	$200 to $500 SGD.

Use the budget calculator to estimate your massive ABSD liability and total cash/CPF required.

The Singapore Mortgage Process

1. Secure the Deposit. You need 5% in hard cash and 20% in CPF for a bank loan. Check your CPF OA balance.

2. Obtain In-Principle Approval (IPA). Valid for 30 days. Ensures you meet TDSR/MSR limits.

3. Option to Purchase (OTP). You pay a 1% cash booking fee to the seller to secure the OTP. You typically have 14 to 21 days to exercise it.

4. Exercise the OTP. You sign the OTP and pay the remaining 4% in cash (to complete the 5% cash requirement).

5. Pay Stamp Duties. BSD and ABSD must be paid within 14 days of exercising the OTP (can be reimbursed from CPF later, but usually requires cash upfront).

6. Completion. Takes 10 to 12 weeks. Your lawyer draws down the mortgage and CPF funds to pay the seller.

Can I use CPF to pay my monthly mortgage? ▼

Yes, eligible buyers can withdraw funds from their Central Provident Fund Ordinary Account (CPF OA) to service both their initial down payment (up to 20% for bank loans, or the full 20% for HDB concessionary loans) and recurring monthly mortgage payments. However, usage is subject to the Valuation Limit (VL) and Housing Withdrawal Limit (HWL) set by the CPF Board. Furthermore, when you eventually sell the property, you are required by law to refund all CPF principal withdrawn plus the 2.5% per annum compound accrued interest back into your CPF OA account.

Official Sources & References

Monetary Authority of Singapore (MAS) Central Provident Fund (CPF) Board Housing & Development Board (HDB)

Monthly Payment Breakdown

🗄️ Saved Comparison Scenarios (Side-by-Side)

⚡ Embed Calculator on Your Website

Amortization Schedule

15-Year vs. 30-Year Loan Comparison

Mortgage estimate

Who Benefits Most

Country-specific details

A Practical Walk-Through of Our Financial Tool Suites

1. Housing and Mortgage Suite

2. Income, Tax, and Budgeting Suite

3. Debt Elimination and Wealth Accumulation Suite

How to Use This Mortgage Calculator

Calculation Methodology & Statutory Standards

Frequently Asked Questions About Mortgage Financing

What is the practical difference between a mortgage interest rate and the APR?

When and how can Private Mortgage Insurance (PMI) be cancelled?

How do additional principal curtailments reduce total loan cost and payoff duration?

How does a fixed-rate mortgage compare against an adjustable-rate mortgage (ARM)?

Explore Related Financial Planning Calculators

Affordability Calculator →

Extra Payment Calculator →

Refinance Calculator →

Singapore Mortgage Standards & Regulatory Limits

Mortgage (PITI + schedule)

Important Caveats & Planning Assumptions

Expert answers to common questions

Singapore Mortgage Guide 2026: HDB, TDSR, and ABSD Rules