Jene Chua

Jene believes the heart of service delivery is always about putting customer’s interest first. Her passion for people and her drive to go beyond the extra mile, is the baseline for every experience she creates. She advocates strongly in prioritizing clients’ benefits first and aims to provide an infinity of mortgage and financing solution to her clients.

OCR or CCR: Which One Should You Actually Buy?

A client of mine, Donovan, called on Saturday afternoon. Not about a loan, for once. His wife Ava wanted to buy an investment property, and they’d narrowed it to two units. A four-bedder at Sengkang Grand Residences. Or a two-bedder at Duo Residences. Both were asking around the same money per square foot, roughly $2,200 to $2,300 psf. Same outlay, same commitment, two very different bets. Donovan built most of what they have through a couple of property purchases and

Jene Chua September 4, 2026

The Decoupling Masterclass: Why 50/50 Property Ownership is the Only Strategy You Need

When couples buy a property together, one of the first big decisions is how to structure the ownership. You’ll hear about Joint Tenancy and Tenancy in Common. And if you’re smart, you’ll hear about a strategy called decoupling, where one owner sells their share to the other to free up their name to buy a second property. And this is where most people get it wrong. They read about “fancy” lopsided splits like 99/1 or 80/20, believing it’s the cleverest

Jene Chua March 13, 2026

The Invisible Debt: How to Use a Loan to Supercharge Your CPF and Retirement

Most people think “CPF refund” is something you only deal with when you sell your property. You might hear stories of homeowners who sold at a profit, only to find their cash proceeds wiped out by a massive CPF refund bill. Here’s the scary truth: a silent, invisible “interest bill” is growing in the background every single day on the CPF savings you’ve used for your home. You won’t get a bill until you sell, and by then, it’s too

Jene Chua February 13, 2026

What Happens When You Miss A Mortgage Payment?

Have you been so busy that you had forgotten to pay for your mortgage payment? Are you worried about what will happen next? In this article, we will go through the 5 most asked questions on missing your mortgage payment, as well as what to do if you do not have the financial means to repay your loans. 1. What happens when I miss a mortgage payment? Before anything, it is best for you to settle the mortgage payment quickly.

Jene Chua August 17, 2022

Understanding SIBOR, SOR and the transition to SORA

Those who have taken a home loan may be familiar with its two forms – the fixed rate and floating rates, which its market managed variants are typically based on the Singapore Interbank Offered Rate (“SIBOR”). So, what will the introduction of the Singapore Overnight Rate (“SORA”) mean for you, and will this make loans cheaper for homeowners in our current property booming climate? In this article, we will cover a few of these matters to demystify these changes. Why

Jene Chua July 7, 2021