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What Is Property Tax & Why Does It Matter? Property Tax in Singapore is a wealth tax levied on property ownership. It is not a tax on rental income. It is levied on the ownership of properties, irrespective of whether the property is occupied or vacant. This is a recurring tax and the amount of
As we all know, a large majority of Singapore’s land is owned by the Government. This makes landed property a popular (though expensive) option for many future homeowners. If you are one of the many who want to own private or landed property in Singapore, yet are confused about the many foreign terms, fret not!
Total Debt Servicing Ratio (TDSR) is a cooling measure introduced by the Singapore government to limit individuals from spending too big a proportion of their monthly income on debt repayments. At present, the TDSR is set at 55%, after the government tightened the threshold by 5 points on 16 December 2021. Since property loans are
Do you want to live in a condominium, but feeling concerned about the high price? Executive Condominiums (ECs) might be the one for you! Read on to learn more about what they are. What is it? Also known as the property for the “sandwiched class”, Executive Condominiums (ECs) are a hybrid of public and private
Whether you’re a newly wedded couple who isn’t keen to wait for your BTO, a retiree couple or a single individual looking for your first home, the HDB resale market has a variety of housing options to offer you. Purchasing properties involves complex paperwork and some hidden costs. So, here’s a complete guide for your
According to a survey done by Coffee meets Bagel, 92% of Singaporean daters believe that good financial planning is a crucial trait they look for in their other half. Given the price of real estate, your first home is likely to be the biggest purchase when it comes to adulting. Like most adulting topics, it
If you are thinking of downgrading from your condominium to a HDB, think again. New property cooling measures including tighter stress test for home loans and a wait-out period of 15 months were rolled out recently. The rise in interest rates amid optimistic buyer sentiment has raised concerns about the sustainability in mortgage debt burdens,
With the prevalence of online portals dedicated to facilitating mortgage comparisons, it is now common to hear a friend compare and apply for home loans on their own instead of engaging a mortgage advisor. The availability of data on interest rates and loan tenure makes it alluring to handle the process of applying for a
In this article, we will dive into the details of loans. While many of our readers may already be familiar with home loans, this article addresses a broader scope to provide you with a wider understanding of the usage of debt beyond paying for your home. There are two main types of loans – secured
With definite monthly instalments, a fixed rate bank loan is one of the traditional and most popular choice preferred by most consumers. While some may view fixed rate loan packages to be the more expensive option, Andrew Adriaan believes if taken at the correct timing in the interest rate cycle, it can offer a hedge,