Equity Term Loan Calculator

Current property value (bank valuation or market estimate, S$)

Outstanding mortgage balance on this property (S$)

Other outstanding housing loans (across all properties)

Sets your LTV ceiling at 75% of property value.

CPF principal + accrued interest used on this property (S$)

Equity funded by CPF isn't available for cash withdrawal, only the cash portion of your equity can be unlocked.

Gross monthly income (S$)

Loan tenure for the equity term loan (years)

Estimated cash you may be able to unlock

S$0

Equity-based ceiling (before TDSR)S$0

Resulting loan-to-value after withdrawal0%

LTV ceiling applied75%

Governing limit—

Because the resulting LTV is above 50%, MAS requires this loan to also be assessed under TDSR (55% of gross monthly income, at the 4.0% stress-test rate). Whichever of the equity ceiling or the TDSR limit is lower is what's shown above.

Estimate only. Uses MAS's loan-to-value limits for mortgage equity withdrawal loans (75% / 45% / 35% of property value depending on other outstanding housing loans), the CPF exclusion rule (only the cash-funded portion of your equity is withdrawable), and, where the resulting LTV exceeds 50%, the Total Debt Servicing Ratio (55% of gross monthly income) computed at the 4.0% medium-term stress-test rate. This estimate does not account for your other existing debt obligations, which would reduce your actual TDSR room. Your real eligibility depends on the bank's valuation, credit assessment, and your full financial profile. Speak to an advisor for an exact figure.

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Unlock your property's equity, structured properly