What is the HDB concessionary loan rate in 2026?

The HDB concessionary loan rate is pegged at the CPF OA rate plus 0.1%, which equals 2.6% per annum as of 2026.

What is the maximum loan tenure for a home loan in Singapore?

The maximum loan tenure is 25 years for HDB loans and 30 years for bank loans (subject to MAS regulations and your age).

What is the minimum down payment for a home in Singapore?

The minimum down payment is 5% for HDB flats (with HDB loan) and 25% for private properties or bank loans (with at least 5% in cash).

Home Loan Calculator Singapore 2026 | Monthly Repayment & Interest

🏠 Loan Details

Currency

Property Price

S$100,000S$3,000,000

Down Payment: 25% = S$125,000

5%90%

Loan Amount
S$375,000
Property price minus down payment

Loan Tenure (Years)

25 years

5 yrs30 yrs

Interest Rate (% per annum)

Loan Type

📊 Your Loan Summary

Monthly Repayment
S$1,873
Principal + interest

Total Repayment

S$561,923

Over full loan tenure

Total Interest Paid

S$186,923

49.8% of loan

Interest as % of Loan

49.8%

Cost of borrowing

Principal vs Interest Split

Principal: S$375,000 Interest: S$186,923

Affordability check: Your monthly repayment of S$1,873 represents about 31.2% of a S$6,000/month salary. MAS guidelines suggest keeping mortgage repayments under 30% of gross income for HDB (MSR) and 55% for bank loans (TDSR).

💡

Paying an extra S$200/month from day one could save you around S$18,000 in interest and cut about 2 years off your loan. Use the amortization schedule below to track your balance.

📋 Year-by-Year Schedule

Year	Principal Paid	Interest Paid	Balance Remaining

Disclaimer: Results are estimates for reference only. Actual loan repayments may differ based on your specific loan terms, fees, and lender policies. Consult a mortgage broker or financial advisor for personalised advice. HDB concessionary rate 2.6% = CPF OA rate (2.5%) + 0.1%.

Home Loan / Mortgage Calculator