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Property financing

In Singapore, the loan decision is rarely “lowest rate”. It’s about constraints (TDSR/MSR), cash shock (downpayment + duties + renovation), and exit risk (fees, CPF accrued interest, SSD).

Start with: borrowing limits (TDSR/MSR) → Run affordability stress test →

Recommended path (10 minutes)

Know your ceiling: TDSR/MSR + MSR applies for HDB/EC.
Pick the structure: fixed vs floating → refinance vs reprice.
Stress-test fragility: rate shocks + cash shock + exit costs (CPF + fees).

Decision comparisons

Fixed vs floating home loan

Pay for certainty, or accept variability. Decide by buffer + time horizon.

Refinance vs reprice

Break-even logic on fees, lock-ins, and rate differences.

HDB loan vs bank loan

Headline rate vs flexibility + rate risk. Different failure modes.

Pay down mortgage vs invest

De-risk vs compound: choose based on volatility tolerance + buffer.

Common traps

Ignoring cash shock: downpayment + BSD/ABSD + renovation drains buffer.
Optimising the rate only: you win 0.3% but lose when rates spike or income dips.
Forgetting CPF accrued interest: net sale proceeds can be much lower than expected.
Exit blindness: fees/SSD + timing can make “upgrade plans” fragile.

Run the numbers

Property affordability stress test

Model borrowing limits, instalment sensitivity, and upfront cash exposure.

Mortgage interest cost intuition

Understand how much interest you really pay over 25–30 years.

All calculators

Browse transport + property calculators.

Learn the mechanics

Borrowing rules

Exit costs

Prefer the cross-cluster view? See the full Financing hub.