Home Loan Calculator (Variable)

Variable rate package

Enter the necessary details to calculate the monthly payments of your home loan.

Loan amount
Repayment period

years (5 to 35 years)

Results based on your input

You can get a loan (variable rate with 3 years lock-in period) starting from

S$ a month for the first year at .

Year Interest Monthly Payment
Year 1 1.25%
Year 2 1.25%
Year 3 1.30%
Year 4 1.40%
Year 5 2.25%
Thereafter 2.65%

You may use your CPF to make payments.

Important notice:
  • This computation is strictly for illustrative purposes only and should not be relied upon solely when making decisions on your property financing. The Bank accepts no responsibility for errors or omissions, nor for any loss arising from use of or reliance on this computation.
  • Interest rates are subjected to change and may not apply to your loan. Speak to our Mortgage Specialists for more detailed information.
  • This computation is not an offer or approval of any loan by the Bank. Loan is granted at the discretion of the Bank.


The calculator is for your convenience only and you have chosen to use it and rely on any results at your own risk. OCBC Bank will not under any circumstances accept responsibility or liability for any losses that may arise from a decision that you may make as a result of using the calculator.