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Mortgage Insurance: Understanding the Different Types and Coverage

Overview of Mortgage Insurance and Its Purpose When you think of insurance, the first type of insurance that crosses your mind is probably: health insurance. Or even life insurance, accident insurance, car insurance, travel insurance or house insurance. Mortgage insurance, to many, is a foreign term. However, it is an important type of insurance too.

Everything you need to know about buying an uncompleted property in Singapore

Unsure about the legal processes behind buying an uncompleted property? Buying a new property is no small liability, and it may seem like a confusing task, but don’t worry! Let us guide you through the steps and everything important you have to know when buying an uncompleted property. Let’s start off with the processes you

Navigating the Mortgage Application Process

After looking around, you have finally found your dream house, but you are unsure if you are able to afford it. Hence, you start thinking about the mortgage application process on how to finance your house. Where do you start? It may be confusing if you are a first timer but fret not, we have

How is TDSR calculated in Singapore?

Singapore’s property market is highly regulated, and borrowers must adhere to strict financial requirements in order to maintain responsible borrowing practices. One essential aspect of assessing affordability in the HDB or Private property market is the Total Debt Servicing Ratio (TDSR). The TDSR serves as a crucial framework implemented by the Monetary Authority of Singapore

Exploring Different Home Loan Options in Singapore

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 in Singapore: Benefits and Considerations

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

How Can You Use Leverage For Real Estate Investments?

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

National Day Rally 2023: HDB Flats – What has changed?

Prime Minister Lee has announced a change in classification of HDB flats at the 2023 National Day Rally held on 20 August. After PM Lee’s speech, this new form of categorisation has been widely discussed. The words ‘Prime’, ‘Plus’ and ‘Standard’ have been the main subject of discussion popping up amongst Singaporeans’ conversations this past

Assessing Property Locations: Districts and Regions in Singapore

Districts and Regions in Singapore Assessing property locations? Have you ever wondered how districts and regions in Singapore are divided? Though we are a small nation state, Singapore is divided into 28 districts and 5 regions. The 5 regions subdivided by the Urban Redevelopment Authority (“URA”) are: Central, East, North-East, North, and West. These regions

Everything You Need To Know About Property Inheritance In Singapore

Think you are going to receive an inherited property, only to be advised later that you cannot be the legal heir? Don’t worry, by the end of this article, you will know what you need about property inheritance in Singapore. When an individual passes away, the inheritance of his properties will depend on the type