Home loan and stamp duty calculator
Key in your figures. Results refresh as you type.
The result is a calculation on your figures. It is not a guaranteed saving or an offer.
For bank loans it depends on how many housing loans you have outstanding, and the lower limit applies when the tenure runs past 30 years for private property or 25 years for an HDB flat, or the loan runs past the borrower's age of 65. We check the tenure only.
The loan you keyed in is above that share of the price.
The tenure you keyed in is longer than the maximum for this type of loan.
At that rate your figures are above the limit.
Under the MAS rules, lenders work out these ratios at a medium-term interest rate floor that can be above the rate you pay. We have not verified that floor, so the lender's ratio can be higher than either line here.
With these figures there is no room within the limit for a home loan instalment at your test rate.
Two worked figures from the limits and your own test rate, shown side by side. Neither is an amount a bank or HDB would lend you.
Residential tiers from 15 Feb 2023, on the price you keyed in, rounded down to the dollar. IRAS uses the higher of price and market value.
Not payable by a Singapore Citizen buying a first residential property.
Choose a buyer profile and how many properties you own to see ABSD.
This calculator does not assess your eligibility for a loan and does not represent an assessment by HDB or a bank.
This calculation is not a loan offer or a personal recommendation about a property purchase or home loan.
For illustration only. Not a loan offer or a commitment to lend. Cindrus does not lend or broker loans, passes nothing you key in to banks or HDB, and no lender pays us.
Basis: your own figures, the TDSR, MSR and loan-to-value limits published by MAS and IRAS stamp duty rates. The rate and costs you can actually get may differ.
- A rate that stays as keyed in for the whole tenure. A floating package is reset when its reference rate moves, which this calculation leaves out.
- Monthly interest: the yearly rate divided by 12.
- Income counted in full. Banks may count variable income or rent at less than the full amount.
- Stamp duties on the price you keyed in. ABSD for individual buyers, without refunds or remissions.
Your next step.
Take the result with you.
Free. No account.
- Write down the figures you used: you find them under «Understand the number».
- Ask what it costs in total, not only what the payment will be.
- Ask whether the rate is fixed and what can change it.
- Ask for the offer in writing, so you can compare it calmly.
- Ask what is not included in the figure.
Ready to talk to the bank?
Your figures and the right questions, on one page.
- Costs and rate
- Fees and remaining balance
- The assumptions behind the figure
Follow your loan.
Your loan and your calculations, in one place.
- Your calculations saved in one place
- Your financial overview
The account is free.
The calculator is free without an account. Not personal advice.
Your bank conversation
Ask the bank about these six things.
Based on your calculation. Not personal advice.
How the figures are worked out
Each monthly instalment comes from the usual annuity formula: equal payments that clear the loan over the tenure. For a floating package the rate is your reference rate plus your spread.
MSR compares the home loan instalment with gross monthly income and applies to the purchase of an HDB flat, and to an executive condominium where the minimum occupation period has not expired. TDSR compares all monthly debt repayments with gross monthly income. The TDSR and MSR limits are those published by the Monetary Authority of Singapore (MAS).
For a bank loan, the loan-to-value limit falls with every housing loan you already have, and drops further for long tenures or loans that run past the borrower's age of 65. An HDB loan has a single limit of 75%. The calculator measures the loan against the lower of the price and the valuation you enter.
The two worked figures at the end of the result run the calculation backwards: the loan whose instalment at your test rate would just reach the ratio limit, and the loan at the loan-to-value limit for the price. A lender also weighs your age, your credit record and its own policy, so its figure can differ from both.
- Source: Monetary Authority of Singapore (MAS), obtained 12 November 2026
- IRAS: Buyer's Stamp Duty and Additional Buyer's Stamp Duty (iras.gov.sg, read 22 October 2026)
- HDB: administrative details for the October 2024 Build-To-Order exercise, Annex C (hdb.gov.sg, read 19 October 2026)
- Source: CPF Board, news release on the interest rate floor extended to 31/12/2027
- Source: Monetary Authority of Singapore (MAS), loan tenure and loan-to-value limits, obtained 12 November 2026
CPF Board: www.cpf.gov.sg
Each source is named with its website as plain text, without a link, except the Monetary Authority of Singapore, whose source line links to its page, and the CPF Board, whose home page is linked below.