Explore borrowing capacity, affordability, refinancing, stamp duties and ownership-planning considerations using tools built around common Singapore property-financing scenarios.
Choose the calculator that best matches your current financing or property-planning needs.
Estimate how your income and existing monthly debt commitments may affect your home loan servicing capacity under TDSR and, where applicable, MSR requirements.
Compare your existing home loan against a proposed package across monthly repayments, remaining interest and refinancing costs.
Estimate Buyer’s Stamp Duty (BSD) and Additional Buyer’s Stamp Duty (ABSD) as part of your upfront property purchase budget.
Estimate the financing, CPF refunds, stamp duties and transaction costs that may arise from a proposed change in property ownership.
Calculator results are most useful when your inputs reflect your actual financial position, property plans and expected loan structure.
Enter up-to-date figures for income, existing debt commitments, outstanding loan balance, interest rates, loan tenure and other relevant inputs.
Test more than one scenario and avoid treating a regulatory limit or maximum borrowing estimate as your recommended property budget.
Understand how to use our mortgage and property calculators more effectively when planning your next move.
No. The calculators provide estimates based on the information and assumptions entered. Actual loan eligibility, loan quantum, pricing and approval remain subject to the bank’s credit assessment, property valuation and prevailing lending criteria.
That depends on what you are planning. If you are purchasing a property, you may want to begin with the TDSR & MSR Calculator to understand your estimated servicing capacity, followed by the Stamp Duty Calculator to estimate upfront duties.
If you already have a home loan, the Refinancing Calculator can help you compare your existing package with a proposed alternative.
Banks may assess income, variable income, debt commitments, loan tenure and property valuation differently based on their prevailing credit policies and regulatory requirements.
The final assessment may therefore differ from an online estimate.
Not necessarily. A maximum borrowing or servicing estimate should be treated as an assessment reference, not a recommended spending target.
Your property budget should also allow for living expenses, savings, renovation costs, emergencies and potential changes in interest rates or income.
The calculators can help with initial planning, but more complex situations should be confirmed separately.
Transactions involving joint ownership, CPF refunds, trusts, remissions, partial transfers or property ownership restructuring may require confirmation against prevailing CPF, IRAS, bank and legal requirements.
Once you have a clearer working range, review current packages together with rates, lock-in periods, eligibility requirements and other key terms.
