For information only — not investment, financial, or tax advice. This calculator estimates results based on the inputs you provide. It does not constitute professional advice and infoz.com is not a CPA, EA, attorney, or registered investment adviser. Tax laws change. Individual circumstances vary. Consult a qualified professional licensed in your jurisdiction before making any financial decision.
SORA (Singapore Overnight Rate Average) replaced SIBOR in 2024; most floating loans are SORA + spread. Loan tenor capped at 30 years (private property) or to age 65/75. MAS TDSR (Total Debt Servicing Ratio) caps total debt at 55% of gross income. HDB loans (concessionary) for citizens have separate rules.
Typical fixed-rate band
2.80–4.50%
2026 headline range
Typical floating / variable
3.00–4.50%
Tracker / SVR / EBLR / EIBOR / SORA…
Max LTV
75%
Typical deposit 25%
Typical term
30 yrs
Common during the lock-in period; waived after
Pre-populated with the median fixed rate, typical deposit %, and typical term from SG lenders. Override any input. Stamp / transfer / property tax not modeled — see the sources block below for binding affordability rules.
Loan amount
SGD 1,125,000
LTV 75.00%
Monthly P&I
SGD 5,146
30y at 3.65%
Total interest
SGD 727,711
Total cost SGD 1,852,711
Stamp / transfer / property tax differs widely by jurisdiction and is not modeled here. See the country's sources block below for the binding rules.
Buyer's Stamp Duty + Additional Buyer's Stamp Duty — the world's highest property surcharge for foreigners (60% since April 2023).
On top of the home price — that's 3.2% of the price.
| Line item | Amount |
|---|---|
Buyer's Stamp Duty (BSD) Progressive rate from 1% to 6% on residential property price. | SGD 44,600 |
Legal fees (conveyancing) Typical residential conveyancing fee. | SGD 2,800 |
Mortgage stamp duty 0.4% of mortgage amount, capped at S$500. | SGD 500 |
Property valuation Required for bank loan approval. | SGD 400 |
| Total | SGD 48,300 |
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What this calculator does NOT cover:
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Last reviewed
April 28, 2026
Reviewed by
infoz Editorial Team — Editor, Web Publishing Corp
SG mortgage market — typical rate bands and structural quirks compiled from each country's central-bank statistical release for 2026.
Numbers, schedules, and source citations on this page are checked against primary sources during each review cycle. Spot something outdated or wrong? Report an inaccuracy — we triage every report within 7 days.