25.0% of property price
Monthly Payment
$4,505.61
LTV
Loan
$900,000.00
The Total Debt Servicing Ratio limits all monthly debt repayments to 55% of your gross monthly income. This includes the new mortgage, car loans, credit cards, and any other debts.
HDB loans offer up to 80% LTV and a stable 2.6% rate, but only for HDB flats. Bank loans offer lower rates (around 3-4%) but cap LTV at 75% and rates can change. HDB loans are simpler but bank loans may be cheaper overall.
Yes, you can use your CPF Ordinary Account to pay the down payment and monthly instalments. However, when you sell, you must refund CPF the amount used plus accrued interest at 2.5%.
Note: This calculator gives estimates. Actual terms depend on your bank, credit profile, and property type.
Disclaimer: This calculator provides estimates based on current HMRC rates and thresholds for the 2025/26 tax year. It does not constitute professional tax, financial, or legal advice. Your actual liability may differ depending on your individual circumstances. Always consult a qualified accountant or tax adviser before making financial decisions. Read our terms
Related Calculators
Stamp Duty Calculator
Calculate BSD, ABSD, and SSD on property transactions in Singapore.
Home Affordability Calculator
Find out how much property you can afford based on your income and Singapore TDSR rules.
Rental Yield Calculator
Calculate gross and net rental yield on Singapore investment properties.
Loan Repayment Calculator
Calculate monthly payments, total interest, and repayment schedules for Singapore loans.