PROPERTY FINANCING
Home loan repayment and budget calculator.
Explore a loan amount from your monthly repayment budget, or enter a known loan to compare repayments at two interest rates.
See how tenure and interest affect the monthly payment and full-term interest. An optional LTV assumption gives a property-price illustration—not a bank-approved purchase budget.
Your loan illustration
Estimated loan amount
Illustrative principal; not a lender-approved loan.Monthly repayment at %
Constant rate over the entered tenure.Monthly repayment at %
Same principal and tenure at the comparison rate.| Illustration | Entered rate % | Comparison rate % |
|---|---|---|
| Loan tenure | ||
| Total interest | ||
| Total repayments |
On small screens, swipe the comparison table to see all columns. Rates are assumed constant for the entire loan; actual packages, rate changes, fees and early repayments can change these totals.
Indicative property-price illustration
At % assumed LTV:
Price contribution outside the loan: , before stamp duties and other costs.
This is not your maximum affordable purchase price. It assumes price and lender valuation are the same. Cash/CPF requirements and purchase costs need a separate assessment.
This repayment tool does not assess income, other debts, TDSR, MSR, age, creditworthiness or CPF eligibility. Confirm your borrowing limit with a lender or, where relevant, your HDB Flat Eligibility letter. Inputs are calculated in your browser and are not submitted or stored by this tool. See MoneySense affordability guidance.
Use the figures to prepare your next step.
A longer tenure may reduce monthly repayments while increasing total interest. Compare the same loan at a higher rate and leave room for other debts, household spending and savings.
The illustration assumes equal monthly repayments and a constant rate over the full entered term. It excludes fees, changing rates, interest-only periods and early repayments. Your lender’s actual schedule may differ.
A loan amount alone does not establish your purchase budget. You also need to consider valuation, eligible CPF savings, minimum cash requirements, stamp duties and other costs.
Explore our resale purchase payment calculator or new launch progressive payment calculator to put those funds into context.
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