Mortgage Calculator
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Repayment Plan
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FAQ
Frequently Asked Questions
When should I apply for a loan?
Tailored Saving Plan
Assess income and debts
Confirm and maximize loan eligibility (IPA)
Compare banks and packages
Prepare for rate negotiation
Submit Loan Application
After paying the option fee and receiving the sale agreement, submit your application before the exercise fee
Instant submission
Real-time status updates
Detailed explanation of contract terms
Confirm interest rate
Confirm loan approval conditions
Sign Contract & Disbursement
Coordinate with lawyer
Sign documents and complete bank transfers
Ongoing Support
Refinancing reminders
Rate window monitoring
Optimize loan structure
Avoid penalties
What is LTV (Loan-to-Value)?
LTV represents the percentage of the property value that a bank is willing to lend. MAS sets different LTV limits for various property types and buyers.
HDB Flat
Max 25 years
Private Property
Max 30 years
2nd Home
Max 30 years
3rd+ Home
Max 30 years
Stamp Duty
Basic Stamp Duty
Property up to S$1,000,000
Property up to S$1,500,000
Property up to S$3,000,000
Property over S$3,000,000
Additional Buyer's Stamp Duty (ABSD)
Citizens
PRs
Foreigners
Companies
Choosing the Right Interest Rate
Off-Plan Private Property
Completed Private Property
HDB Flat
Fixed Rate
Fixed rate during lock-in, ideal for stable installments
Stable monthly payments
Easy budgeting
Protects against rising interest rates
Singapore Overnight Rate / Floating Rate
Based on Singapore Overnight Rate, fluctuates with market, usually below fixed rates
Currently lower than fixed rates
Tracks market trends
Flexibility
MSR & TDSR (Debt Ratios)
Mortgage Servicing Ratio
Who It's For
For HDB & EC applicants only
How It's Calculated
ExampleIf your monthly salary is S$6,000, your mortgage installment cannot exceed S$1,800.
Total Debt Servicing Ratio
Who It's For
For all residential and commercial loans
How It's Calculated
Include
Maximum Limit
Max 55% of monthly income
ExampleIf your monthly salary is S$10,000, total debt installments cannot exceed S$5,500.
Need Help?
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Your Home Loan, Smoother with EaseFlow
※ Loan calculations are for reference only. Actual approval, rates, fees, and terms depend on the bank.※ EaseFlow complies with MAS regulations. Our service is free; bank commission does not affect your rate.※ We comply with PDPA. All personal data is encrypted and never shared without consent.※ Market analysis and rate trends do not constitute financial advice.※ Testimonials reflect real past experiences but do not guarantee future outcomes.※ For full terms, visit easeflowsg.com/terms-of-service.
