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SORA Calculator
BEST HOUSING LOAN RATES (AS OF )
★
Fixed Rate
1.35% p.a.
★
Floating Rate
1.57% p.a.
(3M SORA 1.0733% + 0.50% p.a.)

75% loan: max 30 years or age 65 at loan maturity.

Total lending cap: 75% LTV with 0 – 1 existing housing loan

75% LTV: max 30 years or age 65 at loan maturity.

$

Maximum Loan amount based on 75% of Purchase Price:

$

$

years

Max tenure for a refinancing loan is 35 years or up to age 75 whichever earlier, less original tenure served

$
$

TDSR is based on total monthly debt obligations / gross income (55% cap). For Equity Term Loan, include the existing housing loan instalment inside this monthly debt figure. For HDB and EC, MSR also applies (total monthly mortgage / gross income capped at 30%).

Enter your existing rate to estimate your current monthly instalment.

    ESTIMATED MONTHLY INSTALMENT
    Your Current Package
    At % p.a.
    ★ BEST PACKAGE
    Potential Savings
    per month
    Approx. over 2 years
    ★ BEST PACKAGE
    TDSR Affordability (New Purchase)
    Max monthly instalment under TDSR (55%):
    Max monthly instalment under MSR (30%):
    Estimated monthly instalment for this loan at 4.00% p.a.:
    For illustration only. Actual bank assessment may differ based on full income documents, credit checks, and latest MAS guidelines on TDSR/MSR.
    Eligible Equity Term Loan
    LTV Limit Available:
    TDSR-supported Equity Term Loan:
    Estimated monthly instalment @ prevailing best rate:
    Equity Term Loan illustration only. Final approval depends on bank policy, valuation, income documents and latest MAS limits. HDB is not eligible.
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