Storey Range

Every recorded HDB and private home sale in Singapore, read for you each week: what sold, where prices are moving, and what it means if you own, buy or sell.

Tools

Home loan and monthly instalment calculator

How to use it

Enter the price, your loan and the rate. You get the monthly instalment, the interest you will pay over the loan, what happens if rates rise, and whether it fits the usual income limits. Everything stays on your device.

Your loan

Check affordability (optional)

3-month compounded SORA was 1.23% in Sep 2026; the preset adds an illustrative 0.5% spread. Rates and limits change: confirm with HDB, your bank, or MAS.

Your monthly instalment

$0

If rates rise

Year by year

YearInterest paidPrincipal repaidBalance at year end

How this works

Monthly instalment = loan × r / (1 − (1 + r)−n), where r is the yearly rate divided by 12 and n is the number of months. The rate is assumed fixed for the whole loan; floating rates will move. Limits shown: Mortgage Servicing Ratio 30% of gross income for HDB flats and new ECs, Total Debt Servicing Ratio 55% for all loans. Banks assess with their own stress-test rate, so their figure can be lower. This is general information, not financial advice.