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Mortgage Calculator

Plan your next home purchase. Check what you can afford, model your loan, and see the full upfront cost.

Use this tool to:

  • Check how much loan you qualify for
  • Plan an upgrade — estimate maximum price and downpayment
  • See BSD / ABSD stamp duties for your scenario
  • Model monthly repayments and full amortization

Maximum loan your income and pledged / unpledged assets qualify you for.

Profile

If applying jointly, combine all borrowers' income and debts into the household totals below.

Household totals

Self-employed, commission, bonus or rental income? Put it under Variable & Other Income, not Fixed. Banks apply a 30% haircut to variable income under MAS rules — only 70% counts toward TDSR / MSR. Enter the full average monthly amount; the calculator applies the haircut for you. Self-employed: use your latest IRAS Notice of Assessment income ÷ 12 (banks typically average the last 2 years).

Borrower ages
No. of Borrowers

Boost your income to boost your max loan amount.

  • Pledged — eligible assets locked with the bank. (100% Weightage)
  • Unpledged — same eligible assets, but not locked. (30% Weightage)

Eligible: FDs, bonds, shares, ETFs, unit trusts, gold, foreign-currency deposits.

Max Property Price · Private / EC Resale
$0
at 75% LTV · loan $0 = 75%
Max Property Price · HDB / EC New
$0
at 75% LTV · loan $0 = 75%
Max Loan · TDSR (55%)
$0
Private / EC Resale · monthly $0
Max Loan · MSR (30%)
$0
HDB / EC New · monthly $0
Tenure
30yr
IWAA 35.0yr · 65 − age cap
Effective Income
$0
/mth (no asset boost)
Eligibility by Property Type
Property typeStatusMax loanMonthly @ 4%TenureBinding
HDB BTOvia bank loanEligible$0$030yMSR
HDB ResaleEligible$0$030yMSR
EC NewEligible$0$030yMSR
EC Resale (After MOP / Privatised)Eligible$0$030yTDSR
Private (Condo / Landed)Eligible$0$030yTDSR
Assessable income$0/mth
TDSR0% / 55%
MSR (HDB / EC)0% / 30%

Estimates only — not financial advice. Your bank, IRAS or HDB determines the actual figures.