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WHAT IS THE BEST HOME LOAN IN SINGAPORE IN 2024?

When it comes to buying your home, it goes without saying that we want to (and should) rack in as much savings as humanly possible and get the best home loan in Singapore. We are talking about something that takes 2–3 decades to pay off after all!  It is possibly the biggest purchase of our

Does signing an Option To Purchase (OTP) mean you are buying the house?

If you have been reading articles on the property market and the process of property purchases, you have probably come across the phrase Option To Purchase (OTP) before. Yet, the significance of OTP is often glossed over in most article. If you are curious to learn about the legal implications of OTP and the role

A Singaporean Guide to Purchasing A Resale HDB

So you have finally found the perfect unit of your dreams – now how do you go about purchasing it? Unlike Build-To-Order (BTO) which you liaise directly with Housing Development Board (HDB), buying resale flats could be more complicated as HDB would not be present to guide you through the process. If you have been

The Ultimate Guide to Refinancing Your Home Loan in Singapore

Increasing interest rates have begun to appear more often onto headlines of property articles and that could signal a shift towards home loan refinancing. Firstly, the important thing to note about loans is the interest rate involved. Also, news had been rampant over the possibility of multiple interest rate hikes this year. In order to

Equity loans: The Pros, The Cons, and Everything In Between

Have you ever considered how you could tap into the equity your property provides? Aside from the existing loans in the market, equity loans are a great way for you to get funds for your child’s tertiary education or for home improvements. Synonymous with “cash out refinancing” and “term loan”, equity loans can be incredibly

Conservation Shophouses in Singapore: All You Need to Know

Beyond conservation shophouses as part of our landscape, they are financial assets too. If you are keen to own one, read on to find out more. Along the picturesque streets of Chinatown, conservation shophouses have always been a highlight of Singapore’s streetscape especially in conserved areas. Beyond seeing it as part of our landscape, shophouses

Service and Conservancy Charges 101 and Rebates in 2023

Do you know that between 1.5 months to 3.5 months of Service and Conservancy Charges rebates are given out to Singaporean households living in HDB flats every year. But before we deep dive into the government rebates for Service and Conservancy Charges, let’s understand what the fee is for. If you are staying in a

How Can You Use Leverage For Real Estate Investments?

Many people view borrowing as debt, but leverage can actually be used as a tool for increasing wealth, such as real estate investments. That’s because borrowing money for an appreciating asset like real estate is most likely going to increase your net worth. With 13 years of experience working in banking and finance, Andrew Adriaan

Everything You Need To Know About Property Inheritance In Singapore

Think you are going to receive an inherited property, only to be advised later that you cannot be the legal heir? Don’t worry, by the end of this article, you will know what you need about property inheritance in Singapore. When an individual passes away, the inheritance of his properties will depend on the type

Securing the Future for your child: Buying a Property in Trust

To combat rising inflation, there is an increasing group of investors looking at purchasing properties in trust for their children. It is evident that property prices have been accelerating over the years and many parents are considering securing a future home for their child. But what does it really mean to purchase a property in