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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!
Are you looking at valuing your property, but am unsure of which method – direct comparison, residual or income method to use? Look no further! In this article, we will be focusing on the direct comparison method. What is property valuation? Property valuation is getting an estimate of the value of a property at a
We all know that property prices are on the rise. You’ve probably seen an increasing number of HDB flats being sold for over S$1 million. The latest HDB flat to be sold for over $1 million was a Punggol loft at $1.22 million in 2023. And here’s the kicker: there were more than 10 interested
Singapore is a vibrant business hub with a thriving real estate industry. Many businesses require property to operate and acquiring commercial / industrial property is often a significant financial investment. Most companies, especially small and medium-sized enterprises (SMEs), may not have enough capital to purchase property outright, which is why property loans for companies are
Reverse mortgages are not new in Singapore – after being discontinued in 2009. Why is it then that it has been brought back to life again in 2021? And how has it been doing so far? If you’re curious to know more about it, read on as we guide you through the world of reverse
Recently, a new tax was imposed in hopes to plug loopholes that have been exploited. It was announced that ABSD (Trust) will be implemented on properties that are transferred into living trusts. But what does this truly mean, and how would it affect you as a property buyer? What is a Living Trust? A living
If there was a common gripe to unite all Singaporeans, it would be the dreading of more taxes, whether it be GST, income tax or property tax. If anything, COVID-19 highlighted the stratifications within our society and proved that the pandemic affects everyone differently. It is no surprise that, like many developed nations around the
Has a resale HDB flat caught your eye? As our society’s demographics shift to favor smaller family sizes, married couples often seek to set up their own nests and purchase housing properties of their own. Gone are the times where multiple families stay under the same roof. Yet, many still favor living near their parents
With effect from 15 February 2023, the Government announced in as part of Budget 2023 that Buyer’s Stamp Duty for both higher-value residential and non-residential properties will be increased. This measure reflects the government’s commitment to ensure affordable housing by enhancing the progressivity of the Buyer’s Stamp Duty regime. Additionally, the revised Buyer’s Stamp Duty