Estimate your loan eligibility in minutes — and take the first confident step toward owning your dream home in Singapore.
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.
Get a quick, reliable borrowing estimate based on real Singapore lending benchmarks.
Use your estimate as a foundation for sound financial planning before approaching banks.
Enter the property market informed, prepared, and ready to negotiate.
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.
Enter the total purchase price of the property you're interested in, in Singapore Dollars (S$).
Specify your desired loan repayment period in years. Singapore banks typically allow up to 30 years for private properties.
Input the upfront cash amount you're prepared to contribute. This directly affects your borrowable amount.
Provide the estimated annual interest rate from your preferred bank or use a current market average for reference.
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.
Results are generated immediately, based on Singapore's lending guidelines and your figures.
Outputs reflect standard LTV ratios and repayment structures used by Singapore financial institutions.
A trustworthy starting point — not a guarantee, but a credible estimate for planning purposes.
Your borrowing capacity isn't determined by property value alone. Singapore banks evaluate multiple factors when making their final lending decision.
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.
Beyond the property price, banks assess your:
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.
Total purchase price of the property
Repayment period chosen
25% paid upfront in cash
Estimated annual bank rate
Based on 75% LTV ratio, i.e. 75% of S$2.2M
Est. monthly instalment over 30 yrs at 1.7% p.a.
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.
Get your estimated loan amount as a benchmark for budgeting and property shortlisting.
Experienced agents provide market insights, accurate property valuations, and guidance on current trends in Singapore's real estate landscape.
Each bank has unique lending criteria. Request pre-approvals and compare personalized loan packages to find your best fit.
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.
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 consult your bank and a licensed property agent to confirm and finalize all figures before making any financial decisions or property commitments.
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.
Get an instant estimate of your borrowing capacity based on your inputs.
Connect with licensed Singapore property agents who know your target market.
Explore and compare mortgage packages from Singapore's leading banks.
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.
Unlock Your Dream Home: Singapore Mortgage Calculator