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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
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
You might have heard about Seller’s Stamp Duty (SSD), but what is it exactly? In this article, we will cover everything you need to know about it. Here’s an overview of what will be covered in this article: What is Seller’s Stamp Duty? How much SSD should I pay? How to calculate my holding period?
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,
Have you been so busy that you had forgotten to pay for your mortgage payment? Are you worried about what will happen next? In this article, we will go through the 5 most asked questions on missing your mortgage payment, as well as what to do if you do not have the financial means to
Are you someone that has always had the urge to invest in commercial property, but has been held back by uncertainty? If that is you, don’t worry! Here, you can find the A to Zs of buying a commercial property in Singapore. Commercial Property… What is it? There are 3 types of commercial properties in
In today’s modern society where information is just a quick Google search away, we question the need for intermediaries in our transactions. For example, some may question the necessity of intermediaries for property transactions, such as home loan, in view of multiple listing websites which offer a suite of services. Do we even need advisors?
With numerous sales launches upcoming for both HDBs and private properties, it can be a challenge when finding the right property for investment or personal stay. Are you able to spot a good property when you see it? Are you thinking of just going with the lowest interest rate in Singapore without considering the necessary