1. Financial Planning
 
2. Make An Offer
 
3. Apply Home Loan
 
4. Meet With Your Lawyer
 
5. Obtain A Formal Valuation Of Your Property
 
6. Legal Completion

1. Financial Planning

Financial planning is the most important step when you purchase a property. Before any property selection, you have to identify your financial ability to fund any upfront costs, home loan installments and related expenses.

Contact us so that we can go through the financial planning with you. We will help you to find out how much home loan you are eligible for and advise you on the monthly installments.

Other than the downpayment for the property, you will have to cater funds for transaction costs such as conveyance fees, stamp duties, valuation fees and fire insurance premiums. Recurring costs like taxes and maintenance fees will also have to be budgeted for.

2. Make An Offer

Financial planning is the most important step when you purchase a property. Before any property selection, you have to identify your financial ability to fund any upfront costs, home loan installments and related expenses.

Contact us so that we can go through the financial planning with you. We will help you to find out how much home loan you are eligible for and advise you on the monthly installments.

Other than the downpayment for the property, you will have to cater funds for transaction costs such as conveyance fees, stamp duties, valuation fees and fire insurance premiums. Recurring costs like taxes and maintenance fees will also have to be budgeted for.

3. Apply Home Loan

Financial planning is the most important step when you purchase a property. Before any property selection, you have to identify your financial ability to fund any upfront costs, home loan installments and related expenses.

Contact us so that we can go through the financial planning with you. We will help you to find out how much home loan you are eligible for and advise you on the monthly installments.

Other than the downpayment for the property, you will have to cater funds for transaction costs such as conveyance fees, stamp duties, valuation fees and fire insurance premiums. Recurring costs like taxes and maintenance fees will also have to be budgeted for.

4. Meet With Your Lawyer

Financial planning is the most important step when you purchase a property. Before any property selection, you have to identify your financial ability to fund any upfront costs, home loan installments and related expenses.

Contact us so that we can go through the financial planning with you. We will help you to find out how much home loan you are eligible for and advise you on the monthly installments.

Other than the downpayment for the property, you will have to cater funds for transaction costs such as conveyance fees, stamp duties, valuation fees and fire insurance premiums. Recurring costs like taxes and maintenance fees will also have to be budgeted for.

5. Obtain A Formal Valuation Of Your Property

Financial planning is the most important step when you purchase a property. Before any property selection, you have to identify your financial ability to fund any upfront costs, home loan installments and related expenses.

Contact us so that we can go through the financial planning with you. We will help you to find out how much home loan you are eligible for and advise you on the monthly installments.

Other than the downpayment for the property, you will have to cater funds for transaction costs such as conveyance fees, stamp duties, valuation fees and fire insurance premiums. Recurring costs like taxes and maintenance fees will also have to be budgeted for.

6. Legal Completion

Financial planning is the most important step when you purchase a property. Before any property selection, you have to identify your financial ability to fund any upfront costs, home loan installments and related expenses.

Contact us so that we can go through the financial planning with you. We will help you to find out how much home loan you are eligible for and advise you on the monthly installments.

Other than the downpayment for the property, you will have to cater funds for transaction costs such as conveyance fees, stamp duties, valuation fees and fire insurance premiums. Recurring costs like taxes and maintenance fees will also have to be budgeted for.

Refinancing / Restructuring

Refinancing refers to going to a different bank to apply a new loan to replace the existing loan.

The various reasons for doing this is to: (i) incur lower interest costs; (ii) lower monthly installments; (iii) pay off the mortgage faster; (iv) unlock cash value from the property ; (v) decouple the property ownership etc.

Before refinancing your loan, you should check on the penalties you may incur (e.g. lock-in period, claw-back period) if you redeem your existing loan. As interest rates are constantly changing, is an opportunity to replace your existing home loan with a new one that may be a better fit for you.

Refinancing / Restructuring

Are your assets working for you? Have you thought of how your private or commercial property can get you cash?

Tap the enhanced value of your property to make the most of it.

As you repay your mortgage, you will gradually build up equity in your property. An increase in your property value can also increase the equity that you can take advantage of. You can borrow against that equity when you need cash, and this is commonly referred to as an equity loan or term loan. It works exactly like a home loan, with the exception that the Bank releases the loan into your account, instead of paying a vendor.