An update on fixed deposit-pegged home loans: Rising rates

A home loan package with its interest rate pegged to a bank’s Fixed Deposit (FD) rates was widely popular among homeowners during its initial inception. FD rates were first pioneered by DBS, and her peers came up with their own versions soon…

Brief Review of Mortgage Rates in 2018 and 2019 and a Revisit for SIBOR?

General Trends in 2018 Looking back at the trend of mortgages in 2018, we would have noticed that people are all big about fixed rates and many of you would have to ask why?The reason is simple, fixed rates were at a 1.55%, 2-years fixed…

Consider These 4 Factors Before Deciding On An HDB Loan Or Bank Loan

Deciding between taking up a HDB loan or a bank loan is no different from an expensive game of preferences: besides just choosing which is the cheaper option, there are other considerations that you might want to look into as well. Here are…

REITs – Here's why you should invest in them

Real estate has always been a popular vehicle of investment, well known for its extremely resilient nature. However, people generally are put off by the high prices of acquiring a real estate asset. The benefits of investing in real estate are…

How To Get A Mortgage And Finance Your Property Purchase

Perhaps it’s your first time buying a property. Or maybe you’re a seasoned property investor, with over a decade of experience. While this guide makes for a great checklist for first timers, it’s always good to revisit and make sure you…

Commission structure for property agents – Are you paying your agent the right amount?

Unsure about how much to pay your property agent? How much commission one has to fork out for the services of a property agent is no doubt an important concern for many Singaporeans. For your benefit, we have compiled a guide for you below!Before…

How to spot excellent rental opportunities as a tenant

If you have been following up with Singapore’s property markets over the past year, there has been mainly one specific trend: recovery. Singapore’s recovery across the various markets, and particularly the office and residential markets…

Purchasing a HDB – Should you maintain the $20,000 balance in your CPF OA?

Back in August 2018, the Housing Development Board (HDB) announced that flat buyers can now opt to keep up to $20,000 each in their Central Provident Fund (CPF) Ordinary Account (OA) when taking up a loan from HDB. Previously, flat buyers were…

How to make moving houses quick and fuss free

After going through the process of finding and finally getting enough finances to buy your next dream home, moving houses may be the next stressful task on your agenda. It may be hard to resist procrastinating, but you don’t want be running…

What is the best home loan in Singapore in 2019 ?

Updated 9 Jan 2019When 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…