Input your loan, choose a SORA assumption, then compare your current package against two alternatives across monthly instalment, interest paid, principal paid, and outstanding loan at sale year.
Use outstanding loan.
For refinancing, enter current loan balance and remaining tenure.
Enter package rates.
Fixed rate uses exact rate. Floating rate uses SORA plus spread.
Read the difference.
Green means better than current package on that measure. Red means worse.
This estimates the outstanding loan to pay off when the property is sold. It excludes sale proceeds, CPF refund, legal fees, clawbacks, lock-in penalties, and repricing costs.