Free Property Tool
Monthly Mortgage Calculator Singapore
See your estimated monthly instalment, total interest, and how much of each payment goes to principal versus interest — at any rate and tenure you choose.
Any Rate & Tenure
Up to 30 Years
Monthly-Rest Basis
Your loan
Indicative estimate only. Actual instalments depend on the bank's exact rate structure (fixed, SORA-pegged, board rate), fees and rounding conventions. Not a loan offer.
Estimated Monthly Instalment
$0
at 0% p.a. over 0 years
Total repaid over tenure$0
Total interest paid$0
Unlock your first-year principal vs. interest split and a side-by-side comparison at 3 different rates — sent to you by Mindy.
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Year 1 — interest portion$0
Year 1 — principal portion$0
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FAQ
Mortgage calculator questions
Using the standard loan amortization formula, based on your loan amount, annual interest rate and loan tenure. Most Singapore home loans use monthly-rest compounding.
Up to 30 years for private property, and up to 25 years for HDB flats financed by a bank loan (HDB Board loans allow up to 25 years too), capped so the loan doesn't extend past age 65 for full LTV.
You can enter any interest rate to see your instalment at that rate. For loan eligibility purposes, however, banks are required to stress-test you at a 4% p.a. floor — see our Affordability Calculator for that figure.
Want current bank rates compared side by side?
Mindy works with mortgage brokers who can shortlist the best packages for your profile.