What drives your repayment
A home loan repayment is built from the loan amount (price minus down payment), the interest rate and the tenure. Early payments are mostly interest; later ones mostly principal. A bigger down payment or a shorter tenure cuts the total interest substantially.
Common questions
Principal and interest on the home loan. It does not include stamp duty (BSD/ABSD), legal fees, valuation or fire insurance.
HDB concessionary loans are a stable 2.6%. Bank loans can be cheaper (fixed packages ~1.4–1.8% in 2026) but the rate can change — enter the rate you were quoted.
It depends on the loan-to-value limit and whether you use cash or CPF. The calculator shows your down-payment percentage so you can test scenarios.