Buy · Tool 01

Mortgage runway

Monthly instalment, approval stress case and the lifetime interest path.

Decision questionCan this loan remain comfortable beyond the headline rate?

Rules reviewed10 Aug 2026MAS / MoneySense basis

02 · Primary answerScenario result

Monthly instalment

S$4,06855% LTV based on loan count, age and tenure. The approval stress case is shown separately.

Illustrative loanS$990,000

4% stress instalmentS$4,726

Lifetime interestS$474,428

Decision shaperelative scale

Principal

S$990,000

Lifetime interest

S$474,428

NAVARO read

The 4% stress payment is 16% above the entered-rate payment. Budget to the stressed figure, not the teaser rate.

03 · Calculation trail

See the number being built.

The line items use the same engine as the primary answer. Negative rows are deductions, not hidden adjustments.

01Property priceS$1,800,000

02Equity contributionS$810,000

03Loan principalS$990,000

04Monthly at entered rateS$4,068

05Monthly at 4%S$4,726

Continue the decision