Tools
Start from the question you actually have. Every answer is free with no email required; longer reports can be emailed after you have read them. Every figure shows the rate it used and when that rate was last checked.
What are you trying to work out?
Choose the sentence that is true now. The next page gives you three useful starting points—not the entire catalogue.
I'm buying
Work out what you can carry, and what it costs after the price.
Know what you can carry → Check one asking price → See the cost after the priceShow me where to start Path 02I own, or I'm selling
When you can sell, what a sale must clear, and what holding costs.
See what a sale must clear → Check the two selling dates → See nearby supplyShow me where to start Path 03I'm checking one specific home
You have an address. Everything the filed records say about it.
Read the filed sales → Run the six checks → Put the shortlist side by sideShow me where to startFour short calculatorsGet a quick answer from one figureSelling dates, borrowing, stamp duty and loan interest
Each has its own link, so you can send someone straight to the answer rather than to this page.
You will get: Total interest, and how little of an early instalment touches what you borrowed.
48% of your first payment goes to interest.
S$663,492 paid in total against S$487,500 borrowed — you repay 1.36× what you took.
- If the rate were one percentage point higher
- At 3.60% a year, the scheduled payment would be S$2,467 a month — S$255 more, before optional extra payments. This compares the same loan and term at two constant rates.
- What the calculation assumes
- The rate stays at 2.6% for the full term. Extra payments reduce the balance each month. Repricing, fees and prepayment charges are excluded; check your loan package before relying on the saving.
- Next useful step
- Check the loan against your income and purchase budget →
See the year-by-year repayment schedule
Interest, principal repaid and the balance at each year end. Amounts are rounded for display.
| Year | To interest | To the loan | Still owing |
|---|---|---|---|
| 1 | S$12,509 | S$14,031 | S$473,469 |
| 2 | S$12,139 | S$14,400 | S$459,069 |
| 3 | S$11,760 | S$14,779 | S$444,289 |
| 4 | S$11,372 | S$15,168 | S$429,121 |
| 5 | S$10,973 | S$15,567 | S$413,554 |
| 6 | S$10,563 | S$15,977 | S$397,578 |
| 7 | S$10,143 | S$16,397 | S$381,180 |
| 8 | S$9,711 | S$16,829 | S$364,352 |
| 9 | S$9,268 | S$17,271 | S$347,080 |
| 10 | S$8,814 | S$17,726 | S$329,355 |
| 11 | S$8,347 | S$18,192 | S$311,162 |
| 12 | S$7,869 | S$18,671 | S$292,492 |
| 13 | S$7,378 | S$19,162 | S$273,329 |
| 14 | S$6,873 | S$19,666 | S$253,663 |
| 15 | S$6,356 | S$20,184 | S$233,479 |
| 16 | S$5,825 | S$20,715 | S$212,764 |
| 17 | S$5,280 | S$21,260 | S$191,504 |
| 18 | S$4,720 | S$21,819 | S$169,685 |
| 19 | S$4,146 | S$22,393 | S$147,291 |
| 20 | S$3,557 | S$22,983 | S$124,309 |
| 21 | S$2,952 | S$23,587 | S$100,721 |
| 22 | S$2,332 | S$24,208 | S$76,513 |
| 23 | S$1,695 | S$24,845 | S$51,668 |
| 24 | S$1,041 | S$25,499 | S$26,170 |
| 25 | S$370 | S$26,170 | S$0 |
Source: your loan amount, rate, term and extra payment. Monthly amortisation, with the same rate throughout the term. Figures rounded to the nearest dollar.