Amortization Schedule
Visualize how your loan payments are split between principal and interest over time. Find the breakeven point where you've paid more principal than interest.
Amortization Settings
Adjust loan parameters to see the amortization schedule
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Redemption After Lock-in Period
Simulate partial loan redemption after your lock-in period ends
Monthly Payment
$3,003.74
Total Interest
$301,122.43
Total Repayment
$901,122.43
Breakeven Year
Year 11
Yearly Principal vs Interest
See how much of each payment goes to principal vs interest over time
Estimated Mortgage Rates
SORA rates sourced live from MAS — updated each business day
HDB Loan
2.6% p.a.
CPF OA Rate (2.5%) + 0.1%
Bank Loan (Est.)
Based on 1M Compounded SORA — indicative only
Bank Rate Comparison
Indicative only| Bank | 2Y Fixed | 3Y Fixed | Floating | Lock-in |
|---|---|---|---|---|
DBS DBS | 2, 3 or 5 yrs | |||
OCBC OCBC | 2, 3 or 5 yrs | |||
UOB UOB | 2-3 yrs | |||
SCB Standard Chartered | 2-3 yrs | |||
Maybank Maybank | 2-3 yrs | |||
CIMB CIMB | 2-3 yrs |
DBS
DBS2Y Fixed
3Y Fixed
Floating
OCBC
OCBC2Y Fixed
3Y Fixed
Floating
UOB
UOB2Y Fixed
3Y Fixed
Floating
SCB
Standard Chartered2Y Fixed
3Y Fixed
Floating
Maybank
Maybank2Y Fixed
3Y Fixed
Floating
CIMB
CIMB2Y Fixed
3Y Fixed
Floating
* Rates are indicative and subject to change. Contact us for the latest promotional rates.
1M SORA:
| 3M SORA: | CPF OA: 2.5% p.a.View latest SORA rates on MAS