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Mortgage Equity @50

Mortgage Equity @50

Cash-out up to 50% of your property value

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TDSR Exemption
No Capital Prepayment Penalty
Simple Add-On Loan Application
Need extra cash for retirement, investments, or personal expenses? Unlock your home's value with Mortgage Equity @50, a financing solution that lets you cash out up to 50% of your private property's value without selling your home. Take advantage of the TDSR exemption for loans up to 50% of your property's value and enjoy attractive interest rates from 2.15% p.a.
With a flexible repayment plan designed for your financial freedom and peace of mind, this is a smart way to tap into your home equity in Singapore while keeping your property ownership intact.

Highlights

  • Cash-out with a term loan up to 50% of private residential property value without having to sell your home
  • Attractive fixed and variable rate packages
  • Flexible partial capital prepayment to save on loan interest cost without penalty
  • Total Debt Servicing Ratio (TDSR) exemption for loan not more than 50% of property value
  • Subsequent Add-On Loan application requires simple application form completion and provision of identity proof and CPF statements only

Eligibility

  • For owner-occupied and investment private residential properties owners who are applying for mortgage equity withdrawal loans with Loan-to Value ratios of 50% and below.

Interest Rates

Period Interest Rate (% p.a.)
1st Year 2.25 (Fixed)
2nd Year 2.25 (Fixed)
3rd Year 2.25 (Fixed)
Thereafter 3.80 (PPR - 2.35%)

Published rates are as of 25 Sep 2025.

Notes:
  1. Private Property Rate (PPR) is 6.15% p.a.
  2. Rates are only indicative and subject to change at any time without prior notice.
Period Interest Rate (% p.a.)
1st Year 2.25 (Fixed)
2nd Year 2.25 (Fixed)
3rd Year 3.80 (PPR - 2.35%)
Thereafter 3.80 (PPR - 2.35%)

Published rates are as of 25 Sep 2025.

Notes:
  1. Private Property Rate (PPR) is 6.15% p.a.
  2. Rates are only indicative and subject to change at any time without prior notice.
Period Interest Rate (% p.a.)
1st Year 2.68 (PPR - 3.47%)
2nd Year 2.68 (PPR - 3.47%)
3rd Year 3.80 (PPR - 2.35%)
Thereafter 3.80 (PPR - 2.35%)

Published rates are as of 25 Sep 2025.

Notes:
  1. Private Property Rate (PPR) is 6.15% p.a.
  2. Rates are only indicative and subject to change at any time without prior notice.
Period Interest Rate (% p.a.)
1st Year 2.15 (Fixed)
2nd Year 2.15 (Fixed)
3rd Year 2.15 (Fixed)
Thereafter 3.80 (PPR - 2.35%)

Published rates are as of 25 Sep 2025.

Notes:
  1. Private Property Rate (PPR) is 6.15% p.a.
  2. Rates are only indicative and subject to change at any time without prior notice.
Period Interest Rate (% p.a.)
1st Year 2.15 (Fixed)
2nd Year 2.15 (Fixed)
3rd Year 3.80 (PPR - 2.35%)
Thereafter 3.80 (PPR - 2.35%)

Published rates are as of 25 Sep 2025.

Notes:
  1. Private Property Rate (PPR) is 6.15% p.a.
  2. Rates are only indicative and subject to change at any time without prior notice.
Period Interest Rate (% p.a.)
1st Year 2.68 (PPR - 3.47%)
2nd Year 2.68 (PPR - 3.47%)
3rd Year 3.80 (PPR - 2.35%)
Thereafter 3.80 (PPR - 2.35%)

Published rates are as of 25 Sep 2025.

Notes:
  1. Private Property Rate (PPR) is 6.15% p.a.
  2. Rates are only indicative and subject to change at any time without prior notice.

Calculate Your Instalment

years
S$
years

Computation Results

1st Year Monthly Instalment

S$0.00

2nd Year Monthly Instalment

S$0.00

3rd Year Monthly Instalment

S$0.00

Thereafter Monthly Instalment

S$0.00

Disclaimer:
Results are indicative values only.
Terms and conditions apply.

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