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Payment Schedule

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Year	Monthly Payment	Principal Paid	Interest Paid	Balance

A larger down payment reduces the loan amount, monthly payment, and interest costs over the life of the loan.

Fixed rates offer repayment certainty, while floating rates (pegged to SORA) may start lower but change with market conditions.

Different banks have different LTV limits. Higher LTV means a smaller down payment but potentially higher rates.

Include Buyer's Stamp Duty (BSD), legal fees, valuation, and other charges when calculating your total budget for buying a property.