Mortgage Calculator

Estimate monthly repayments and check affordability under MAS TDSR rules.

Property priceDownpayment — 25% (S$375,000)Min 25% (LTV limit 75% for first housing loan)Interest rate (% p.a.)Loan tenure — 25 yearsGross monthly household incomeExisting monthly debt repaymentsCar loans, personal loans, other property loans, credit-card minimums — TDSR counts all of them.

Monthly repayment

S$5,335

Loan amount: S$1,125,000

Total interest over 25 years: S$475,463

TDSR affordability check

Within the 55% TDSR limit — using 40%

Stress-test repayment (4% floor): S$5,938

Total monthly debt servicing: S$5,938

Your 55% TDSR cap: S$8,250

Room to spare: S$2,312/mo

Indicative estimate. TDSR here includes the debts you entered and stress-tests the loan at the 4% MAS floor. It does not yet apply the LTV tiers (75/55% for a first loan, lower for subsequent loans) or the age-plus-tenure rule your bank uses, and excludes stamp duties (BSD/ABSD) and CPF limits. For a binding assessment, speak to a banker or a CEA-registered agent.