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Interested in buying a private property? Jump right in as we guide you through the As to Zs of buying property, as well as what to consider before purchasing. What is private property? There are 2 types of property in Singapore – public housing and private properties. Public housing constitutes HDBs. Private property refers to
Following the increase in Additional Buyer Stamp Duty (ABSD) April 2023, Singaporeans must pay 20% ABSD if they intend to purchase a second property. Hence, would you be interested to find out how you can still purchase a second property without incurring ABSD? With more than 10 years of experience under his belt, Alvin Lock
Your Central Provident Fund (CPF) comes in handy when purchasing your new home but how much money should one tap on CPF? Should you deplete your CPF savings? What is a safe amount of money to be retained in CPF? Fret not, let us give you a better idea on home loan financing. When purchasing
Did you just purchase your first HDB flat? Buying a HDB flat is not cheap, and many of us would therefore take up an affordable home loan from either the bank or HDB. However, as many of us know, the interest rates for bank loans have recently risen. So, which should I choose between a
The considerations for loan approvals are often limited to the regulations / bank policies 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 a greater obstacle in the way of achieving your dream property. As prospective
Essential Occupier – a term that constantly pops up on HDB’s website when you search for grants and schemes. But, what is it? Read on to learn more about the HDB essential occupier, as well as the pros and cons of structuring your home purchase under this arrangement . Who are essential occupiers? An essential
Landed property – a scarce yet valuable resource. Many of us desire to live in and own a landed property in our lifetime. However, Singapore’s scarce land makes landed properties not only limited but also extremely expensive. Furthermore, as we all know, land prices have been increasing at an exorbitant pace. Why is it that
“MCST” is one of the many property-related words repeatedly thrown around in the real estate market. While this concept is not just limited to residential properties, most people first come across this term in the context of their own homes or during property purchasing journeys. The MCST is an essential aspect of private property living
With the current hot property market, the transacted prices of many resale HDBs have become higher than their valuation. This has led to rising Cash Over Valuation (COV). If you are keen to purchase a resale HDB flat with limited funds in the bank, COV is a key item you should keep a lookout for.
A growing concern amongst Singaporeans is the fear of displacement in their own country. Singapore is well on her trajectory to becoming one of the world’s most booming economy with growth schemes such as the Tech.Pass targeted at foreign tech companies, which would indirectly allude to the fact that more expats and foreign talents are