What this site collects
Short version: the numbers you type stay on your device unless you choose to send them. If you ask for a lock-in reminder, we keep your WhatsApp number and the month, and nothing else. We never sell your details. If you ask us to help you apply for a loan, we pass what you tell us to the bank or our referral partner, and only after you agree.
Who runs this site
bankloan.sg is run by Kydos Pte Ltd (UEN 202308154M), the company behind AnnualFiling.sg. Questions about your data: WhatsApp +65 8311 7524.
bankloan.sg is a set of free home loan calculators. The contact details are at the foot of every page.
The calculators
Every calculation on bankloan.sg runs inside your own browser. Your loan amount, income, rates and balances are never sent to a server, and never seen by anyone — including us. Close the tab and they are gone, unless you use the Refinance Pack (below), which keeps them in your browser on this device.
The PDF report is produced in your browser too, using your device's own print-to-PDF. Nothing is uploaded to create it.
The comparison on the home page loads the banks' packages from our database (Supabase) and works out your figures in your browser. That request carries none of your figures.
Links to your result
When an answer is on screen, the figures you entered are written into the page's address, after the # sign, so you can bookmark it, copy it or share it. Browsers never send that part of an address to a website, so it doesn't reach our server or our analytics. Anyone you send the link to can see the figures in it.
"Save on WhatsApp" sends that link, figures included, in a WhatsApp message to BankLoan.sg (Kydos Pte Ltd). The assistant sends it straight back so it stays in your own chat, and we don't keep a copy. If someone on our team is already handling your chat, your message reaches them like any other.
Lock-in reminders on WhatsApp
If you ask for a reminder, you send a WhatsApp message to Kydos Pte Ltd on +65 8311 7524. To send the reminders you asked for, we keep: your WhatsApp number, the name on your WhatsApp profile, the month your lock-in ends, when and how you asked (the message you sent), and which reminders we have sent. We don't ask for your NRIC, your bank or your loan details.
We use these only to send the four reminders and to reply when you write to us. We don't sell them, and a reminder sign-up is never passed to a bank. If you also ask us to help you apply, see "When you ask us to help you apply" below. Messages travel through Meta's WhatsApp Business Platform, under WhatsApp's own terms. Reply STOP at any time and the reminders stop; ask us and we delete your record straight away. Otherwise we delete it 90 days after your lock-in date.
If you send a reminder request on WhatsApp, it goes to the number shown on this site, and is handled by its owner.
The calendar download is made in your browser and goes straight to your device. We never see it.
When you ask us to help you apply
Tapping Apply via WhatsApp opens a chat with the package you picked and the loan amount filled in (for a home loan, the property type too; for a personal, car, renovation, education or SME loan, the years; for a car loan, the kind of car). Nothing reaches us until you press send.
What we keep. Your WhatsApp number and name, and what you tell us in the chat: the package, the property, the loan amount, and anything else you choose to share, such as your income or your current loan.
Who we share it with. Before we pass anything on, we tell you who will get it: our contact at the bank you chose, or one of our referral partners. We share it only after you say yes in the chat, and only for your application. We never sell it.
How we're paid. You pay us nothing. If you take up a loan we helped you apply for, the bank or our referral partner may pay us a referral fee. Ask us and we'll tell you whether one applies to your case.
How long we keep it. 12 months after your last message, then we delete it. Ask us at any time and we delete it straight away, and tell the bank or partner to stop using it. You can also ask to see what we hold about you.
Questions. WhatsApp +65 8311 7524 or email support@bankloan.sg.
Analytics
This site uses Google Analytics 4 to count visits and see which pages get read. That records the usual things — pages viewed, rough location by country, device type, and where you arrived from — and counts taps on buttons such as WhatsApp, Apply, share, the calendar download and the Refinance Pack, and which package an Apply tap was for. It does not record anything you type into a calculator, or any message you send.
The Refinance Pack
The Pack is paid through Stripe, which handles your card and your email address under its own privacy policy. We receive the payment record (your email, the amount, the date) and keep it for as long as the law requires for accounts. We don't get your card details.
The Pack itself is built in your browser. To fill it in, this site keeps the figures from your last refinance and lock-in answers, and what you type on the Pack page (your name, your bank, your address for the letter, your quotes), in your browser's own storage on this device. They are not sent to us or to Stripe. "Clear my details" on the Pack page removes them.
Accuracy
Everything here is an estimate based on published rules and the figures you enter. It is not a loan offer, a valuation or financial advice. SORA figures come from the Monetary Authority of Singapore and are refreshed every weekday; if the feed is interrupted, the site shows the last figure it has, with its date. Rates and policies change; confirm your position with your bank before acting on anything you read here.