25.0% of property price
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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 IRAS (Inland Revenue Authority of Singapore) rates and thresholds for Year of Assessment 2026. It does not constitute professional tax, financial, or legal advice. Your actual liability may differ depending on your individual circumstances. Always consult a qualified tax adviser before making financial decisions. Read our terms
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