We know how heavy a decision can feel. You may be balancing retirement plans, family needs, and the desire to keep financial dignity intact. That’s why we created a simple, clear tool and a team ready to guide you.
Property Equity Loan helps you see real numbers fast so you can plan without guesswork. Use our tool to get indicative monthly repayments and a sample schedule in seconds. We explain each input in plain terms so you can see how amount, age, tenure, and rates affect your monthly costs.
We focus on practical affordability and real-life cash flow. Our experts pair smart tools with human advice to protect your long-term goals and peace of mind. When you’re ready, WhatsApp us for the latest deals and a quick consultation on your options.
Key Takeaways
- Quick clarity: get indicative repayments and a sample schedule fast.
- Simple guidance: we explain inputs and results in plain language.
- Practical focus: planning that fits your income and commitments.
- Human support: expert advice to move from calculation to application.
- Reach out: WhatsApp us for latest deals and tailored offers.
How Our Property Loan Calculator Works for Singapore Homebuyers
Start with simple inputs and get an instant picture of how repayments change over time.
Enter four core details: the loan amount you need, your age, the tenure you prefer (HDB or private), and the interest rates for Year 1, Year 2, Year 3, and thereafter.
What you’ll enter
- Amount: between $80,000 and $99,999,999.
- Age: borrower must be 21–70 years old.
- Tenure: 5–35 years for private or 5–30 years for HDB.
- Rates: Year 1, Year 2, Year 3, and thereafter (each 1–100).
What you’ll see and next steps
The screen shows an indicative monthly repayment and a sample schedule so you can compare early years versus the thereafter period.
Important: results are indicative and not an offer of credit. Final approval, maximum amount and tenure are subject to the bank’s discretion and prevailing rules.
When you’re ready, Property Equity Loan can have a Home Advice Specialist follow up, or you can visit a branch. WhatsApp us to get the latest deals after you view your results.
Property loan calculator singapore
Use actual rate scenarios to reveal how payments evolve over the next few years.
Using real numbers to estimate repayment and plan cash flow
Enter realistic rates for the first three years and a conservative thereafter rate to stress-test monthly results.
- Map total costs: include taxes, insurance and maintenance alongside the tool’s monthly figure so your cash flow is complete.
- Compare tenures: shorter terms raise monthly amounts but lower total interest; longer terms ease cash flow but cost more overall.
- Test prepayment: try partial prepayments and tenure changes to see interest savings without stretching your budget.
- Rate scenarios: compare fixed, floating and blended assumptions to spot exposure over 3–5 years.
Optimizing loan structure before you approach a bank
Arrive at conversations with a preferred structure and acceptable ranges for rates, tenure and lock-in. That gives you negotiating strength.
Share your scenarios with us on WhatsApp — we’ll sanity-check assumptions and flag any hidden clauses. Or use our mortgage calculator to refine inputs before you talk to a lender.
Understanding Your Financial Profile Before You Apply
Start by listing every income stream, asset and monthly obligation to reveal true borrowing headroom.
Income inputs
Fixed, variable/commission, and rental income
Document your fixed salary and any variable pay such as commissions or allowances. Add regular rental receipts so we see total recurring cash flow.
We review these to assess sustainable affordability and to prepare for total debt servicing ratio checks when you apply for a loan.
Eligible financial assets as defined by MAS
MAS-eligible assets include SGD deposits, unit trusts, business trust units, listed securities, debentures, structured deposits, foreign currency deposits and gold—only if unencumbered.
Decide which assets you will pledge (often committed for four years) and which you want to keep as buffers.
Existing obligations
Car loans, credit card minimums and other facilities
List monthly installments for car loans, credit card minimums, overdrafts, personal, renovation and education repayments. These reduce your borrowing headroom.
“We calculate the breakeven period for any refinancing or repricing decision so you see real savings after fees and penalties.”
Adjusting your repayment period
Repricing with your current bank can be quick and simple. Refinancing may offer better rates but can bring legal, valuation and penalty costs.
- Document all income sources so affordability checks are accurate.
- Clarify pledged vs unpledged assets to preserve buffers.
- List every obligation to reveal true headroom and avoid surprises.
Need help? WhatsApp us at Property Equity Loan for a private review of your income, assets and liabilities to optimise your application strength.
Conclusion
Close with clarity—use your figures to shape a realistic repayment path that suits your goals.
Your numbers tell a story. See your monthly repayment, then let us turn that data into a clear financing strategy that matches your life stage and plans.
We pair data-driven tools with human guidance so you avoid common pitfalls and compare offers with confidence. We review fees, lock-ins and total interest—not just headline rates.
When you’re ready, WhatsApp us at Property Equity Loan for current promotions and a quick scenario review. We’ll outline options and next steps so you proceed with certainty and protect your future cash flow.
FAQ
What inputs do I need to use the Property Loan Calculator Singapore?
You’ll enter the principal amount, your age, chosen tenure, and the interest rates for Year 1, Year 2, Year 3 and thereafter. These figures let the tool estimate monthly repayments and an indicative schedule.
What eligibility ranges does the tool accept?
The calculator accepts amounts from ,000 to ,999,999, ages 21 to 70, and tenures of 5–35 years for private homes or 5–30 years for HDB. Use inputs within these ranges to get valid estimates.
Can I enter different rates for each year?
Yes. You can input distinct rates for Year 1, Year 2, Year 3, and a continuing rate for subsequent years. This helps model promotions, initial discounts, or expected repricing over time.
What output should I expect after running the calculation?
The tool shows an estimated monthly repayment and a simple repayment schedule. It highlights principal and interest portions so you can assess cash flow and interest cost over time.
Are the results final or guaranteed by banks?
The computations are indicative only. Final approvals, rates and repayment terms remain subject to lender assessment and bank discretion. Use the estimate as a planning guide, not a binding offer.
How do I proceed if I want formal advice or an application?
Next steps include requesting contact from a specialist, visiting a bank branch, or messaging the lender on WhatsApp for up-to-date offers and formal quotes tailored to your profile.
How does the calculator help me plan cash flow with real numbers?
By using actual loan amounts, tenures and rate scenarios, the tool projects monthly obligations so you can compare scenarios, adjust tenure or down payment, and ensure repayments fit your budget.
Can I use the tool to optimise my loan structure before talking to a bank?
Yes. Try different tenures, staggered-rate assumptions or higher repayments to see how each choice affects monthly outlay and total interest. That prepares you to negotiate better terms with lenders.
What income and liability details influence approval?
Lenders consider fixed salary, variable or commission income, rental income, and existing obligations such as car loans and minimum credit card payments. Accurate inputs give a clearer affordability picture.
Which assets can I pledge or keep unpledged?
Eligible financial assets, as defined by the Monetary Authority of Singapore (MAS), may be considered for pledge. Speak with a specialist to understand which assets your bank accepts and the effect on your offer.
Should I refinance or reprice, and what fees apply?
Refinancing may give better long-term savings if rates drop significantly or you want a different tenure. Repricing can be simpler but may carry lock-in penalties or fees. Check break costs and lock-in terms before deciding.
