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Congratulations, you have decided to buy a house! Now, you may be wondering what the various home loan options are to finance your purchase. Firstly, let’s delve into a comparison of the different types of home loan options in Singapore: fixed rate mortgage and floating rate packages. Fixed rate packages refer to home loans with
Refinancing your mortgage can be a smart financial move that offers various benefits and opportunities for homeowners in Singapore. Whether you’re looking to take advantage of lower interest rates, change your loan terms, or access equity in your home, refinancing presents a pathway to potentially save money and improve your overall financial situation. However, it’s
Many people view borrowing as debt, but leverage can actually be used as a tool for increasing wealth, such as real estate investments. That’s because borrowing money for an appreciating asset like real estate is most likely going to increase your net worth. With 13 years of experience working in banking and finance, Andrew Adriaan
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
I’m sure you have heard of the term ‘Conservation Shophouses’ before, but what exactly are they? In this article, we will introduce them to you, and perhaps, convince you about why it could be a great investment. What are Conservation Shophouses? According to URA, shophouses are a “historical source of delight and nostalgia”, as they
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
Thinking of valuing your home, but unsure about how to do it? There are 3 different methods you can use to value your home – Residual Method, Income Method and Direct Comparison Method. In this article, we will be focusing on the residual method of valuation. Valuation is not only limited to buildings or houses!