Dreaming of owning a home in Singapore? Understanding your borrowing capacity is the crucial first step. Our intuitive Mortgage Calculator empowers you to estimate your potential loan amount — making your property journey clearer and far more confident.
🏠 Estimate Instantly
Get a quick, reliable borrowing estimate based on real Singapore lending benchmarks.
📊 Plan Smarter
Use your estimate as a foundation for sound financial planning before approaching banks.
🔑 Buy with Confidence
Enter the property market informed, prepared, and ready to negotiate.
How Much Can You Borrow?
Enter four key details below to calculate your estimated loan amount. Each input plays a direct role in determining how much a Singapore bank may lend you.
1
Property Value
Enter the total purchase price of the property you're interested in, in Singapore Dollars (S$).
2
Loan Tenure
Specify your desired loan repayment period in years. Singapore banks typically allow up to 30 years for private properties.
3
Down Payment
Input the upfront cash amount you're prepared to contribute. This directly affects your borrowable amount.
4
Bank Interest Rate
Provide the estimated annual interest rate from your preferred bank or use a current market average for reference.
See Your Potential Loan Amount Instantly
After inputting your details, the calculator delivers an estimated maximum loan amount you may be eligible for from Singapore banks. Grounded in standard lending formulas and your inputs, this gives you a solid, actionable starting point for financial planning — before you even walk into a bank.
Instant Calculation
Results are generated immediately, based on Singapore's lending guidelines and your figures.
Data-Driven Estimate
Outputs reflect standard LTV ratios and repayment structures used by Singapore financial institutions.
Reliable Baseline
A trustworthy starting point — not a guarantee, but a credible estimate for planning purposes.
Understanding the Numbers: What Influences Your Loan?
Your borrowing capacity isn't determined by property value alone. Singapore banks evaluate multiple factors when making their final lending decision.
Loan-to-Value (LTV) Ratio
Singapore banks impose a maximum LTV cap — typically 75% for first-time buyers of private properties. This means your loan cannot exceed 75% of the property's assessed value, regardless of your income.
Your Financial Profile
Beyond the property price, banks assess your:
Monthly income and Total Debt Servicing Ratio (TDSR)
Credit score and repayment history
Existing liabilities such as car loans or credit card debt
Age, which affects maximum loan tenure
Example Scenario: A S$2,200,000 Property
See how the calculator works in practice. Here's a sample calculation for a typical Singapore private property purchase priced at S$2,200,000.
S$2.2M
Property Value
Total purchase price of the property
30 yrs
Loan Tenure
Repayment period chosen
S$550K
Down Payment
25% paid upfront in cash
1.7%
Interest Rate
Estimated annual bank rate
S$1.65M
Estimated Loan
Based on 75% LTV ratio, i.e. 75% of S$2.2M
S$5,889
Monthly Repayment
Est. monthly instalment over 30 yrs at 1.7% p.a.
This example is for illustrative purposes only. Actual loan approval depends on your individual financial profile and the bank's assessment criteria.
Beyond the Calculator: Your Next Steps
Our calculator provides a valuable estimate — but it's not a loan approval. Taking the right next steps ensures you get accurate, personalized figures before committing.
Use the Calculator
Get your estimated loan amount as a benchmark for budgeting and property shortlisting.
Consult a Property Agent
Experienced agents provide market insights, accurate property valuations, and guidance on current trends in Singapore's real estate landscape.
Speak Directly with Banks
Each bank has unique lending criteria. Request pre-approvals and compare personalized loan packages to find your best fit.
⚠️ Disclaimer: For Estimation Purposes Only
Estimates Only — Not a Loan Offer
All figures generated by this calculator are estimates only and do not constitute a loan offer, commitment, or guarantee of any kind from any financial institution.
Subject to Bank Assessment
Actual loan amounts, interest rates, and repayment terms are subject to the individual assessment and final approval of your chosen bank or licensed financial institution in Singapore.
Always Verify Before Committing
Always consult your bank and a licensed property agent to confirm and finalize all figures before making any financial decisions or property commitments.
This calculator is intended as a general planning tool only. It does not account for CPF usage, Additional Buyer's Stamp Duty (ABSD), legal fees, or other transaction costs. Speak to a qualified financial advisor for comprehensive advice.
Ready to Take the Next Step?
You're closer to your dream home than you think. Use our calculator to visualize your borrowing power — then connect with the right professionals to make it a reality. Your Singapore property journey starts with one smart calculation.
Calculate Your Loan
Get an instant estimate of your borrowing capacity based on your inputs.
Find a Property Agent
Connect with licensed Singapore property agents who know your target market.
Compare Bank Loans
Explore and compare mortgage packages from Singapore's leading banks.
Start Calculating Your Dream Home Loan Today!
Take the first step toward owning your home in Singapore. Use our free Mortgage Calculator, connect with expert property agents, and compare the best bank loan options — all in one place.
All calculations are estimates for planning purposes only. Please consult your bank and a licensed property agent for confirmed and finalized loan details before making any financial commitments.