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In recent years, lower interest rates have lured many optimistic investors to take on debt in order to invest and potentially earn higher returns. While this ‘sure-win’ technique many investments gurus swear by has created success, it has also resulted in some individuals losing their homes due to loan repayment struggles. Most of us are
The onset of the COVID19 pandemic has heralded a reinvention of the shopping malls. With the lockdown enforced midway through 2020, malls were a shadow of their former self. It became a deserted space which was previously filled with a bustling crowd. As the pandemic calmed down, significant changes to the sector are expected. The
Most homebuyers are familiar with Buyer’s Stamp Duty (BSD) as it applies to all property transactions. However, one less common form of stamp duty when purchasing residential properties is the Additional Buyer’s Stamp Duty (ABSD). While everyone has to pay BSD, not all buyers have to pay ABSD. Stamp duties were first introduced in Singapore
There were many articles about on the en bloc fever in Singapore before. However, this phenomenon died down during the pandemic years due to fear and uncertainty in the market. As we see the en bloc market starting to pick up pace again, is there hope for an en bloc fever to recommence? Read on
With evolving customer taste and preference, more and more business enthusiasts and entrepreneur wannabes are taking the chance to jump on the bandwagon in the hopes of becoming the next big brand. While many retail brands have taken to the e-commerce space, using social media platforms and the internet to market their products, the idea
Since its independence in 1965, Singapore has undergone rapid transformation, with the development of modern infrastructure, a thriving economy, and a diverse population. One of the key strategies that has shaped the city’s development is the creations of new towns in the suburbs, as outlined in the first Master Plan in 1958. The Housing and
Are you considering purchasing a new property but have no idea how much Central Provident Fund (CPF) you can use to finance your purchase? Or perhaps you are looking for alternatives to invest your cash and need new financing modes for your mortgage. Well, here’s a quick run through of how you can make the
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
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