(Revised on 16 December 2021)(修订日期: 12月16日2021)*

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Mortgage Calculator ✚
Equated Monthly Installment-EMI
(with Pledge & Unpledge calculation) 房屋贷款计算机✚
（抵押和无抵押贷款）

EC/HDB Purchase执行共管公寓/政府组屋
Value of Property房产价值: S$ Fixed固定
Loan Amt贷款额-房价的 % LTV: S$
Loan Tenure贷款期限:    
Interest Rate利率:     %
Monthly Repayment每月还款 EMI: S$
Interest利息: S$
Principal本金: S$
Total Interest Payable应付利息总额: S$
Total Amount Payable应付总额: S$
➠ Gross Income Required所需总月入 (a): S$
Gross Income总月入 (b): S$
average monthly expenses平均每月花费: S$
‡ Pledging/Unpledging Conversion
based on income shortfall (a)-(b)抵押/无抵押贷款则算
根据收入差异(a)-(b)
i) Pledge抵押数额: S$
ii) Unpledge (shows funds)无抵押数额（显示资金）: S$



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Note:-注释：-
* With effect from 16 December 2021, new mortages cannot cause borrowers' total monthly loan repayments to exceed 55% of monthly income. 自2021年12月16日起，新抵押贷款不得导致借款人每月还款总额超过月收入的55%。

‡ This is asset based lending where borrower either i) places cash as fixed deposit with the mortgage lender for a period of 48 months for Pledging asset or ii) shows funds at certain point in time for Unpledge lending. You may want to refer to 👉Asset Based Lending Calculator for more information on how you could leverage on your assets. 这这是以资产抵押为基础的借贷。借款人可 i）以现金做为期48个月的定期存款为资产抵押，ii）在某个时间点显示资金为无抵押借贷。您可参考👉基于资产借贷计算器，以获取有关如何利用资产借贷的更多信息。

Disclaimer:
While all reasonable care was undertaken to ensure accuracy of the information and calculation, the agent and his agency will not be held responsible for any discrepancy. For feedback, please contact Cyan Ho at (+65)9066 6966 or via email cyanyc@gmail.com 免责声明：
尽管已采取一切合理措施确保信息和计算的准确性，如有误差其房屋经纪和经纪公司将不付任何法律责任。如有意见或反馈，请联络何永全(+65)9066 6966或电邮cyanyc@gmail.com


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