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…

Applying for a BTO: Does the early bird really catch the worm?

New BTO (Built-To-Order) launches, more often than not, are met with an almost frenzied fervour by eligible couples and singles. More so in recent years due to several factors. Younger Singaporean couples are more eager to have their own…

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.…

10 Features You Must Know When You Take Up A Mortgage

We recently shared the 7 Secret Bank Policies that could increase your chances of obtaining an approval for your loan application. Today, we will explain more about the 10 mortgage features that are available in the market. On the surface,…

The Ultimate Guide to Refinancing your home loan in Singapore

Low interest rates have begun to appear more frequently onto headlines of property articles and that could signal a shift towards property refinancing. The important thing to note about loans is the interest rate involved. News had been…

Is It Worth Spending Extra For Resale HDB Flats In Mature Estates?

Location is one of the key considerations when purchasing real estate. In Singapore where over 80% of the local population resides in a Housing Development Board (HDB) flat, home buyers are often concerned about the HDB estate they would…

What is the best home loan in Singapore in 2022?

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…

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…

Your Cheat Sheet to November 2021 HDB BTOs

As we approach the end of the year, the final Build-To-Order (BTO) launch has also approached. If you have not managed to ballot for a unit in the past launches, here’s your chance! The highly anticipated November BTO Launch will feature…

7 Secret Bank Policies Revealed

The considerations for loan approvals are often limited to the regulations that you are already aware of, like fulfilling the debt servicing ratio. However, you may not always be able to borrow at your desired loan-to-value (LTV) ratio, putting…