In the case of the requirement of high speed transmission, OFDM is a powerful technique employed in communications systems suffering from frequency selective fading. In this paper, we apply an optimal adaptive bitloading algorithm technique. The BER performance of the fixed-rate SISO and adaptive SISO is simulated. Specially, we can decompose the MIMO channel into the SISO channel by making use of the singular value decomposition(SVD) assuming channel knowledge in a multipath environment. As a results of simulation, we confirmed that the BER enhancement of MIMO-OFDM system with the bitloadins algorithm was superior to the SISO-OFDM system.