Loan-to-Value (LTV) Calculator
Shows the maximum bank loan and the minimum downpayment under MAS loan-to-value limits for loans up to 30 years (25 years for HDB flats).
Result
- Maximum bank loan
- S$750,000.00
- Minimum downpayment
- S$250,000.00
- Minimum cash portion
- S$50,000.00
How to use the loan-to-value (ltv) calculator
- Enter the property price (S$).
- Enter the housing loans you already have.
- The results update as you type, or press Calculate.
- Read the maximum bank loan first, then the supporting figures below it.
Formula
LTV is 75% for a first housing loan, 45% for a second and 35% for a third. At least 5% (first loan) or 25% (subsequent loans) must be paid in cash.
Worked example
For example, with these inputs:
- Property price (S$): 1,000,000
- Housing loans you already have: None
the calculator returns:
- Maximum bank loan: S$750,000.00
- Minimum downpayment: S$250,000.00
- Minimum cash portion: S$50,000.00
Background
CPF Ordinary Account savings can pay for the downpayment, stamp duties and monthly instalments, but using CPF reduces the money compounding for retirement, and the amount withdrawn plus accrued interest must be refunded to your CPF account when you sell.
Singapore's property market is shaped by cooling measures introduced since 2009, including Additional Buyer's Stamp Duty, loan-to-value limits and debt servicing ratios. These rules are adjusted when the market runs hot, so the numbers you see today may differ from what friends paid a few years ago.
Frequently asked questions
How does the loan-to-value (ltv) calculator work?
It applies this formula: LTV is 75% for a first housing loan, 45% for a second and 35% for a third. At least 5% (first loan) or 25% (subsequent loans) must be paid in cash.
Should I rely on this before signing?
Use it to plan, then confirm the figures with your banker, lawyer or the IRAS stamp duty calculator before you exercise an option to purchase.