Singapore Property Blog
Mortgage
60 articles tagged "Mortgage"
SORA Rate Impact Analysis — Q2 2026
Q2 2026 SORA rate impact. 3M SORA: 3.2500%. Mortgage scenarios, segment analysis, and refinancing guidance.
HFE Letter: HDB Flat Eligibility for Financing
The HDB Flat Eligibility (HFE) letter is a mandatory document for all HDB flat buyers (BTO and resale). It confirms your eligibility to purchase, the
SORA Rate Impact Analysis — Q3 2026
Q3 2026 SORA rate impact. 3M SORA: 3.2500%. Mortgage scenarios, segment analysis, and refinancing guidance.
SORA: Singapore Overnight Rate Average Explained
The Singapore Overnight Rate Average (SORA) is the volume-weighted average rate of unsecured overnight interbank Singapore Dollar cash transactions, p
Interest Rate Impact on Condo Market — Q1 2026
Interest rate impact analysis for Q1 2026. Current SORA: 3.25%.
LTV Ratio: Loan-to-Value Limits in Singapore
Loan-to-Value (LTV) ratio is the maximum percentage of a property's value that a bank will lend. In Singapore, the maximum LTV is 75% for the first ho
How to Use the Mortgage Recommender
Answer a few simple questions about your income, risk appetite, and property plans and get a personalised mortgage recommendation. The wizard analyses
How to Track SORA Rates for Your Mortgage
Track the Singapore Overnight Rate Average (SORA) — the benchmark for most floating-rate mortgages. See historical trends, understand 1M/3M/6M SORA co
How to Compare HDB Loan vs Bank Loan
Should you take an HDB loan at 2.6% or a bank loan at a lower rate? Compare total interest, monthly payments, LTV limits, and flexibility side by side
TDSR and MSR: Singapore's Borrowing Limits
Total Debt Servicing Ratio (TDSR) is a framework that limits total monthly debt repayments (including the new mortgage) to 55% of gross monthly income
How to Use the Mortgage Calculator
Find out exactly what your monthly mortgage payment will be and how much total interest you will pay. Compare mortgage costs against rental income to
How to Check TDSR and MSR Affordability
How much can you actually borrow? Singapore's TDSR (55%) and MSR (30%) rules determine your maximum loan. Enter your income and existing debts to inst
How to Read the Borrowing Sensitivity Heatmap
What happens if interest rates jump to 4.5%? Or if you shorten your loan to 20 years? The Borrowing Sensitivity Heatmap shows you at a glance how ever
How to Compare Mortgage Loan Packages
Not all mortgage packages are created equal. Compare up to 3 loan offers side by side — fixed vs floating rates, lock-in periods, clawback penalties,
How to Optimize CPF Usage for Property
Should you use CPF OA funds or keep them earning 2.5%? Compare three strategies — Max CPF, Partial CPF, and All Cash — to find the optimal mix. Factor
How to Evaluate Mortgage Refinancing
Should you refinance your mortgage? Compare your current loan against a new offer, factoring in lock-in penalties, legal fees, valuation costs, and an
How to Find Your Maximum Affordable Property Price
Discover the maximum property you can afford by combining all Singapore financing constraints in one calculation — TDSR, MSR, LTV, CPF balance, and ca
How Much Can You Afford? TDSR and MSR Framework
A complete 2026 guide to Singapore's TDSR (55%) and MSR (30%) borrowing limits: how the formulas work, the 4.0% stress test rate, how banks count diff
Singapore Mortgage Guide: Fixed vs Floating Rate (SORA)
A comprehensive 2026 guide to Singapore mortgage structures: fixed-rate versus SORA-pegged floating packages, how 3M SORA is calculated and why it rep
LTV, CPF Limits, and Age Restrictions: Financing by Age
How your age affects LTV ratios, CPF withdrawal limits, loan tenure, and mortgage servicing in Singapore — with worked examples for a 30-year-old firs