BTO Mortgage

Plan your BTO downpayments, grants, and mortgage. These inputs are shared with the Config page.

Edit fields below — click Recalculate to commit. Display cards on the right reflect saved inputs.

Inputs

Source of truth lives on the Config page; edits here update the same shared profile.

Applying as
Downpayment scheme
Loan type
Loan tenure25 yrs

Breakdown

Chronological view of payments, from application through to monthly mortgage.

Total price of flat
$500,000
Total grant amount
$0
Downpayment 1
$50,000
10.0% of flat price · age 28
From grant
$0
From CPF OA
$50,000
From cash
$0
OA available @ age 28: $58,394
Leftover grant amount
$0
Grant remaining after Downpayment 1
Downpayment 2
$75,000
15.0% of flat price · age 32
From grant (leftover)
$0
From CPF OA
$75,000
From cash
$0
OA available @ age 32: $84,161
Total downpayment (DP1 + DP2)
$125,000
Loan amount
$375,000
LTV 75.0% · 2.60% p.a.
Monthly mortgage
$1,701
Age 32 → 56 (25 yrs)

Annual mortgage repayment

Shows how much of each year's mortgage is covered by CPF OA and how much requires cash. When the OA balance hits zero, the full annual payment shifts to cash.

AgeAnnual mortgageFrom CPF OAFrom cashOA balance (after)
32
$20,415$9,161$11,254—
33
$20,415$18,959$1,457—
34
$20,415$19,338$1,077—
35
$20,415$19,725$691—
36
$20,415$20,119$296—
37
$20,415$18,739$1,676—
38
$20,415$19,114$1,301—
39
$20,415$19,496$919—
40
$20,415$19,886$529—
41
$20,415$20,284$132—
42
$20,415$20,415—$274
43
$20,415$20,415—$969
44
$20,415$20,415—$2,103
45
$20,415$20,415—$3,696
46
$20,415$20,415—$5,768
47
$20,415$20,415—$6,163
48
$20,415$20,415—$6,981
49
$20,415$20,415—$8,241
50
$20,415$20,415—$9,963
51
$20,415$20,415—$12,166
52
$20,415$20,415—$10,070
53
$20,415$20,415—$8,281
54
$20,415$20,415—$6,815
55
$20,415$20,415—$23,196
56
$20,415$20,415—$3,361
Total (25 yrs)$491,046$19,332