Home Loan Calculators Singapore
Singapore Home Loan Calculators
Estimate monthly mortgage repayments, refinancing break-even time and potential cash-out equity. Adjust the figures to compare different scenarios before speaking with a mortgage adviser.
Mortgage Instalment Calculator
Estimate your monthly repayment and total interest for a standard reducing-balance home loan.
Refinancing Break-Even Calculator
Compare estimated repayments and see how long it may take for monthly savings to recover switching costs.
Cash-Out Equity Estimator
Estimate potential loanable equity using an adjustable loan-to-value assumption.
How to use these estimates
- Test more than one interest-rate scenario, including a higher-rate buffer.
- For refinancing, include legal fees, valuation fees, lock-in penalties and any subsidy clawback.
- Cash-out eligibility depends on the lender's valuation and assessment, income, age, total debt servicing ratio, loan tenure and prevailing regulations.
Important: Results are indicative estimates for general information only. They are not a loan offer, approval, financial advice or a guarantee of available rates or savings. Actual terms, repayments and eligibility vary by lender and applicant. Please obtain a formal assessment before making a financial decision.