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Singapore · SGD

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HomeCalc

Mortgage calculator for Singapore

See what you pay each month, and how the payment moves when the rate changes.

No local legal figures for Singapore

HomeCalc has no data on fees, taxes or lending limits in Singapore. The loan maths and SGD formatting still work. Every fee starts at 0: enter your own, then check them with your lender or a local adviser.

Your loan

Example values: replace them with your own.

SGD
SGD
20% of the price · Loan SGD 800,000.00
years
240 months
Interest rates
%
months
%
Base rate plus margin, as your bank quotes it
Repayment method

The same payment every month within each rate period

Prepayment
SGD
%
Default in month 24: 0% of the amount prepaid. Change it to match your loan contract.
After prepaying

Results

Monthly payment

SGD 4,436.78

Singapore · SGD · Basic: fees entered by you

Highest payment
SGD 4,437.02
Total interest
SGD 264,827.44
Total paidPrincipal plus interest
SGD 1,064,827.44

Note

HomeCalc works out the loan and adds up the fees you enter. It provides no legal figures for Singapore: no fees, taxes or lending limits. It is not financial, legal or tax advice. Before you decide, check every figure with your lender or a licensed adviser in Singapore. This site never stores the numbers you enter; they live only in the page address.

The monthly rate is the annual rate spread evenly over the months; amounts are rounded to the smallest unit of SGD. Lenders in Singapore may work out interest differently.

The link carries only the numbers you entered. The site keeps no copy of them.

Next: home-buying costs

Interest and principal by year

  • Interest
  • Principal
  • Monthly payment
Interest and principal by yearStacked bars for 20 years showing interest and principal paid each year, with a line for the monthly payment, starting at SGD 4,436.78. Exact figures are in the schedule table.Year 1: interest SGD 23,594.57, principal SGD 29,646.79Year 2: interest SGD 22,692.81, principal SGD 30,548.55Year 3: interest SGD 21,763.66, principal SGD 31,477.70Year 4: interest SGD 20,806.24, principal SGD 32,435.12Year 5: interest SGD 19,819.71, principal SGD 33,421.65Year 6: interest SGD 18,803.15, principal SGD 34,438.21Year 7: interest SGD 17,755.67, principal SGD 35,485.69Year 8: interest SGD 16,676.34, principal SGD 36,565.02Year 9: interest SGD 15,564.18, principal SGD 37,677.18Year 10: interest SGD 14,418.19, principal SGD 38,823.17Year 11: interest SGD 13,237.35, principal SGD 40,004.01Year 12: interest SGD 12,020.57, principal SGD 41,220.79Year 13: interest SGD 10,766.80, principal SGD 42,474.56Year 14: interest SGD 9,474.91, principal SGD 43,766.45Year 15: interest SGD 8,143.72, principal SGD 45,097.64Year 16: interest SGD 6,772.02, principal SGD 46,469.34Year 17: interest SGD 5,358.63, principal SGD 47,882.73Year 18: interest SGD 3,902.22, principal SGD 49,339.14Year 19: interest SGD 2,401.53, principal SGD 50,839.83Year 20: interest SGD 855.17, principal SGD 52,386.43per yearper month15,00030,00045,00060,0001,5003,0004,500Year 55Year 1010Year 1515Year 2020

Year

Show what happens if rates rise

If the floating rate rises

The promotional period stays the same; only the floating rate goes up.

Show yearly schedule

Yearly schedule

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