Based on Singapore's loan-to-value and minimum cash rules for your number of existing housing loans, see how your cash, CPF and bank loan are drawn down across each progressive payment stage. Indicative for planning only.
Loan & Purchase Inputs
Bank Loan Info
Property Price
$0
Loan Amount
$0
Loan Tenure
0 years
Loan Package
Floating
Lock-In Period
0 years
Year 1 Interest Rate
0%
Year 2 Interest Rate
0%
Year 3 Interest Rate
0%
Year 4 Onwards
0%
Funding Breakdown
Cash $0 CPF $0 Loan $0
Cash
$0
CPF
$0
Loan
$0
Progressive Payment Schedule
Stage
When
%
Amount
Cash
CPF
Loan
Monthly Payment
Total
100%
$0
$0
$0
$0
Loan-to-value and minimum cash follow the number of existing housing loans (75%/5% with no existing loan, 45%/25% with one, 35%/25% with two or more). Cash is used first, then CPF, then the bank loan. Monthly payment at each stage is the instalment on the loan disbursed up to that point, amortised over the full tenure at the year's interest rate. Indicative only — confirm with your banker.
This tool is for illustration only. Loan-to-value limits and cash requirements differ for second and subsequent properties and where the loan tenure is long or extends past age 65. The progressive payment schedule follows the Normal Payment Scheme under the Housing Developers Rules; actual timing depends on construction progress. Confirm figures with your bank and CPF Board.