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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
Essential Occupier – a term that constantly pops up on HDB’s website when you search for grants and schemes. But, what is it? Read on to learn more about the HDB essential occupier, as well as the pros and cons of structuring your home purchase under this arrangement . Who are essential occupiers? An essential
Landed property – a scarce yet valuable resource. Many of us desire to live in and own a landed property in our lifetime. However, Singapore’s scarce land makes landed properties not only limited but also extremely expensive. Furthermore, as we all know, land prices have been increasing at an exorbitant pace. Why is it that
“MCST” is one of the many property-related words repeatedly thrown around in the real estate market. While this concept is not just limited to residential properties, most people first come across this term in the context of their own homes or during property purchasing journeys. The MCST is an essential aspect of private property living
When it comes to buying a home in Singapore, one of the major decisions that you will have to make is the length of your home loan tenure. While some may opt for shorter tenures, such as a 15-year loan, there are many benefits of choosing a longer tenure, such as a 30-year loan. This
In a recent article, we introduced the differences between secured and unsecured loans. A secured loan is one that is backed by an asset which serves as collateral, similar to a housing loan. In contrast, unsecured credit is not backed by any asset, and intrinsically poses a greater credit risk to the lender. To compensate
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 purchase of a home is a significant adult milestone. Purchasing a house is a large-ticket item and its imperative that plan your finances well. This is to ensure that you are purchasing within your budget so that your financial commitments are sustainable and flexible to meet with your changing needs. Most home buyers will
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