Bridging Loan Calculator Singapore 2026
Short-Term Gap Financing — Loan Amount, Daily Interest & Capitalised vs Simultaneous Repayment
Buying a new property before your current one sells? A bridging loan covers the temporary funding gap — giving you the cash for the new purchase down payment while waiting for your sale proceeds. This calculator shows the exact bridging loan amount you need, the daily and monthly interest cost, the total interest over the bridging period, and whether to use a capitalised (interest added to principal, paid lump sum at end) or simultaneous (monthly interest service, principal at end) structure. It also checks whether your expected sale net proceeds are sufficient to repay the bridge in full.
For private property first purchase: 25% DP (5% cash + 20% cash/CPF). For second property: 25% DP but with 20% ABSD also due. Enter the total amount due at the new flat’s completion.
Enter the cash and CPF you have right now — before your current property sale proceeds arrive. The bridging loan covers the shortfall between your funds and the down payment needed.
Capitalised: no monthly cash outflow during the bridge period — interest accumulates and is repaid together with principal when sale completes. Simultaneous: you service the interest monthly (manageable cash flow), principal repaid when sale completes.
Enter the expected net cash from your current property sale (after CPF refund, loan, agent, legal fees). The calculator checks whether this is sufficient to repay the bridging loan in full.
Enter your new property down payment, available cash and CPF, rate, and duration to calculate the bridging loan amount and total interest cost.
Bridging Loan Singapore 2026 — What It Is, How Daily Interest Works & When You Need One
A bridging loan is a short-term loan (typically 3–6 months, max 12 months in Singapore) that “bridges” the gap between completing a new property purchase and receiving the proceeds from selling your current one. The scenario: you must pay the new property down payment today, but your current flat sale completes in 8–10 weeks. You need temporary funding to bridge this timing gap. Bridging loans in Singapore are offered by major banks (DBS, OCBC, UOB, Maybank) at rates of 5%–7% p.a., calculated on a daily basis. The key decision: capitalised (no monthly payments, all repaid at end) or simultaneous (monthly interest, principal at end).
Capitalised vs Simultaneous Bridging — Key Differences
| Feature | Capitalised (Rolled Up) | Simultaneous |
|---|---|---|
| Monthly cash outflow | S$0 during bridge | Interest only (e.g., S$1,500/mo) |
| Repayment at end | Principal + all interest | Principal only |
| Total interest cost | Slightly higher (interest on interest) | Lower (no compounding) |
| Cash flow stress | None during bridge | Need monthly cash for interest |
| Best for | Tight cash position | Prefer lower total cost |
How This Bridging Loan Calculator Works — Gap, Interest & Repayment Check
Step 1 — Determine the Bridging Gap
Enter the new property down payment, your current cash, and CPF OA balance. The bridging loan = DP minus your own funds. If you already have enough, no bridge is needed (the calculator shows a surplus message). If there is a shortfall, that is the exact bridge amount.
Step 2 — Set Rate, Duration and Structure
Enter the bank’s quoted rate (typically 5%–7%), expected bridging period (how long until your sale completes), and repayment structure. The calculator computes the daily rate, monthly interest, total interest, and total repayment for both structures.
Step 3 — Check Sale Proceeds Sufficiency
Enter your expected net sale proceeds (from our HDB Sale Proceeds or Private Property Sale Proceeds Calculator). The calculator confirms whether the sale is sufficient to repay the bridge principal plus interest. If proceeds fall short, you need additional cash or must renegotiate the sale price.
3 Real Singapore Bridging Examples — Resale HDB Upgrader, Condo Investor & En Bloc Seller
HDB Upgrader, 6-Month Bridge
Condo Investor, 3-Month Bridge
En Bloc Seller, Tight 6-Month Gap
3 Expert Bridging Tips — Negotiate Daily Rate, Match Timing & Bridge vs Personal Loan
Negotiate the Rate — Banks Compete for Property Customers
Bridging loan rates are negotiable, especially if you are also taking the mortgage for the new property from the same bank. Banks want the full relationship (mortgage + bridging), so they often offer a bridging rate at prime rate + 1%–2% (currently ~5%–6.5%) to secure the mortgage business. If you shop the mortgage across 3 banks, use each quote as leverage. A 0.5% rate reduction on a S$300,000 bridging loan over 6 months saves only S$750 — small, but worth asking. The bigger saving is keeping the bridging period as short as possible (3 months instead of 6 saves ~S$4,500 on the same loan).
Match Your Sale Completion Date to Minimise Bridge Duration
Every extra month of bridging costs money. On a S$200,000 bridge at 6%: 3 months = S$3,000; 6 months = S$6,000; 9 months = S$9,000. The single most effective way to reduce bridging cost is to synchronise your sale and purchase completions. If your new property completes in January, aim to sell your current flat with January completion (OTP exercise ~October). Use the Contra facility for same-day settlement. Each month saved in bridging directly reduces interest. If you must bridge, choose simultaneous (not capitalised) to avoid interest-on-interest compounding.
Consider Personal Loan for Small Bridging Gaps Under S$50,000
For small gaps (under S$50,000), a personal loan or credit line may be faster and cheaper than a formal bridging loan. Bridging loans have: legal fees (S$1,000–S$2,000), valuation, and processing time (2–4 weeks). A personal loan can be approved in 1–3 days at rates of 3%–6% EIR — comparable or better than bridging for short durations. For larger gaps (S$100,000+), a formal bridging loan secured against the property is almost always cheaper than unsecured personal borrowing. Use this calculator to determine your exact gap before deciding which product is appropriate.
