All articles

89 articles on home financing.

Seller's stamp duty calculator Singapore

This calculator determines whether Seller's Stamp Duty applies to your Singapore residential property sale, identifies the correct rate schedule based on your purchase date, and calculates the exact amount owed. Properties bought from 4 July 2025 face rates of 16% to 4% over a four-year holding period, while those bought between 11 March 2017 and 3 July 2025 follow a three-year schedule at 12% to 4%. Entering your purchase date, sale date, and price gives you the SSD payable instantly.

Sarah Chen22 Jun 2026

Tech & Tools

Stamp duty calculator Singapore (BSD and ABSD)

This stamp duty calculator computes the total stamp duty payable when buying residential property in Singapore, combining Buyer's Stamp Duty (BSD), which applies to all buyers on a progressive scale, with Additional Buyer's Stamp Duty (ABSD), which varies by residency status and number of properties owned. It provides a full breakdown by marginal rate bracket so buyers can accurately budget their upfront tax costs.

Sarah Chen22 Jun 2026

Tech & Tools

Reverse affordability calculator Singapore

The reverse affordability calculator starts from a target property price and works backwards to show the income, cash, and CPF savings you need to qualify for the purchase. Enter your target price and your current income and savings, and it flags any shortfall so you know exactly what to close before you buy. It is useful for setting concrete savings and income goals ahead of a planned purchase.

Sarah Chen22 Jun 2026

Tech & Tools

Refinance calculator Singapore

A refinance calculator helps Singapore homeowners estimate how much they could save by switching their home loan to a new package, after accounting for legal fees, valuation fees, and any prepayment penalties. It calculates your gross monthly saving, deducts all switching costs, and returns a net benefit figure along with a break-even point so you can decide whether to refinance, reprice, or wait.

Sarah Chen22 Jun 2026

Tech & Tools

Home loan eligibility checker Singapore

This eligibility checker models the regulatory tests Singapore banks apply when assessing a home loan application, including MAS income haircuts on variable and self-employed income, TDSR and MSR debt servicing limits, and the income-weighted average age of joint borrowers. It tells you whether your proposed loan passes and by what margin, and shows the maximum loan you qualify for under both HDB/EC and private property rules.

Sarah Chen22 Jun 2026

Tech & Tools

Property affordability calculator Singapore

The property affordability calculator estimates the maximum property price you can buy in Singapore based on your income, existing debts, and savings, while applying MAS lending rules including TDSR, MSR, and LTV limits. It gives you a clear budget ceiling before you start viewing homes, so you can search with confidence and plan for upfront costs like stamp duty.

Sarah Chen22 Jun 2026

Tech & Tools

Mortgage calculator Singapore

The Singapore mortgage calculator shows your monthly home loan instalment, total interest payable, and an amortisation breakdown based on your loan amount, interest rate, and tenure. It helps buyers and existing homeowners understand the true cost of borrowing and plan for rate changes or different tenure options.

Sarah Chen22 Jun 2026

Affordability & Financial Planning

Singapore property and mortgage calculators

This page is a central hub of free Singapore property and mortgage calculators updated for 2026, covering loans, affordability, stamp duty, and ownership restructuring strategies. Each calculator is built around the latest MAS lending rules and IRAS stamp duty rates to help you plan a property purchase, refinance, or restructuring from start to finish. The results are estimates for planning purposes and do not constitute financial or legal advice.

Sarah Chen22 Jun 2026

Rate Updates

Slower growth, stickier inflation: what the June MAS survey signals for your mortgage

The MAS June 2026 survey trimmed GDP growth forecasts and raised inflation expectations, with most forecasters expecting no policy change at the July review. This combination suggests SGD interest rates, including SORA, are more likely to plateau than fall further. Borrowers weighing fixed versus floating packages or considering refinancing should factor in a reduced probability of meaningful rate cuts by year-end.

Sarah Chen19 Jun 2026

Home Buying 101

Nearly 15,000 BTO flats and no SBF after October: how to weigh new versus resale

HDB is launching nearly 15,000 BTO flats across June and October 2026, with no Sale of Balance Flats exercise to follow. Buyers must choose between applying for a new flat or entering the resale market, with key financing differences including progressive loan drawdown for BTO versus immediate full financing for resale, plus clawback rates and longer MOPs for Prime and Plus flats. The right choice depends on how long you can wait and how much future flexibility you are willing to trade for a lower purchase price today.

Sarah Chen19 Jun 2026

Affordability & Financial Planning

HDB Lease Buyback Scheme: how the money actually flows before you see a cent

The HDB Lease Buyback Scheme does not pay out cash directly. Proceeds are first used to clear any outstanding loan, then to top up each owner's CPF Retirement Account to the prevailing retirement sum, with only the remaining balance paid as a cash bonus or additional monthly income. Households whose RA is already sufficient for retirement will see little benefit, as most proceeds re-enter CPF rather than reaching them as cash.

Sarah Chen15 Jun 2026

Regulations & Policy

How to vet your property agent: what the CEA's updated register reveals

The CEA now makes it easier to check whether your property agent has a disciplinary record, with enforcement actions more visible on its public register as of June 2026. The most common offences involve due diligence failures, misleading advertising, and HDB eligibility errors, all of which can directly affect your purchase or financing. Before engaging an agent, confirm their registration and check their disciplinary history on the CEA website as one part of your broader due diligence.

Sarah Chen14 Jun 2026

PreviousPage 2 of 8Next

All articles

Seller's stamp duty calculator Singapore

Stamp duty calculator Singapore (BSD and ABSD)

Reverse affordability calculator Singapore

Refinance calculator Singapore

Home loan eligibility checker Singapore

Property affordability calculator Singapore

Mortgage calculator Singapore

Singapore property and mortgage calculators

Slower growth, stickier inflation: what the June MAS survey signals for your mortgage

Nearly 15,000 BTO flats and no SBF after October: how to weigh new versus resale

HDB Lease Buyback Scheme: how the money actually flows before you see a cent

How to vet your property agent: what the CEA's updated register reveals

Tools & Resources

Cashew Mortgages