Housing Loan Calculator Singapore

Our housing loan calculator Singapore is a comprehensive tool designed to help Singaporean homebuyers calculate monthly payments, total interest, and repayment schedules for both HDB and private property loans. Whether you're purchasing your first HDB flat or investing in private property, this calculator provides accurate calculations based on current Singapore housing loan interest rates for 2025.

HDB Loan Calculator Singapore

HDB (Housing & Development Board) loans are specifically designed for Singapore citizens and permanent residents purchasing HDB flats. Our calculator supports HDB loan calculations with specific requirements: minimum 10% down payment and maximum loan term of 30 years. HDB loans typically offer more favorable terms for eligible buyers, including lower down payment requirements and competitive interest rates. The calculator helps you understand your monthly obligations for HDB flats, including fire insurance which is mandatory for HDB loans.

When using our housing loan calculator Singapore HDB feature, you can calculate your monthly payments, total interest over the loan term, and see how different loan terms affect your monthly obligations. This is particularly useful for first-time homebuyers who may qualify for HDB grants and subsidies, which can significantly reduce your upfront costs.

Private Property Loan Calculator

For private properties in Singapore, including condominiums, landed properties, and executive condominiums, our calculator supports private loan calculations with minimum 20% down payment and maximum loan term of 35 years. Private property loans typically have different interest rate structures and may offer more flexibility in terms of loan features like offset accounts or flexible repayment options.

Our property loan calculator Singapore helps you compare different loan scenarios for private properties, including how different interest rates from various banks affect your monthly payments and total interest costs. This is essential for making informed decisions when purchasing private property, where loan amounts are typically higher and interest rate differences can result in significant savings or costs over the loan term.

Housing Loan Interest Rate Singapore

Singapore housing loan interest rates have fluctuated over recent years. In 2020-2021, rates were historically low, around 2.2% - 2.6%. However, rates increased significantly in 2022-2023, reaching around 3.2% - 3.5%. As of 2025, housing loan interest rates Singapore have stabilized around 3.25% - 3.50% for major banks like DBS, OCBC, and UOB.

Our housing loan interest rate Singapore comparison tool allows you to compare rates from different banks including DBS, OCBC, UOB, Standard Chartered, Maybank, and HSBC. This comparison helps you identify the best rates and potential savings over the life of your loan.

Monthly Payment Calculations

The housing loan calculator Singapore monthly feature calculates your monthly mortgage payments using the standard amortization formula. This includes principal and interest payments, plus any additional costs like property tax, home insurance, and fire insurance (required for HDB loans). You can also factor in extra monthly payments or one-time lump sum payments to see how they affect your loan term and total interest paid.

Our home loan calculator Singapore propertyguru-style tool provides comprehensive calculations that help you understand all aspects of your housing loan, making it easier to plan your property purchase and manage your finances effectively.