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All good things come to an end: Singapore’s first private leasehold returned

There is a common phrase that reverberates throughout many Singaporeans, “unless you actually own a freehold estate, you are always a lessee to the government”. By legal definitions, this statement is unfounded given that one does actually hold both equitable and legal interests in the land for the entire duration of the lease, be it

A Singaporean Guide On Using CPF for Your House

If the recent August Build To Order (BTO) launch including Queenstown and Hougang has left your senses tingling, you have probably considered getting your own property. Being one of the largest financial commitments you would make, it is only reasonable for you to stop and ponder – how can I pay for my house? We

10 Mistakes You’ll Make (And Must Avoid) When Decoupling

Thomas Chew, Associate Director at Redbrick Mortgage Advisory will demystify the topic of decoupling, especially for many of our readers who are seeking to maximise their wealth through real estate, the choice to decouple is often not a clear one. The essential goal of decoupling is to acquire multiple properties under the ownership of your

What you need to know when investing in commercial property in Singapore

At a fundamental level, owning commercial property for investment purposes is much like renting out a residential property – you, the landlord, own a property and rent it out to the tenant for monthly cash flows. In Singapore, there are 2 types of non-residential properties: industrial and commercial properties. Firstly, commercial properties include retail shops,

Why and how has flexible working spaces risen to popularity?

In the new era of technology, many trends have changed alongside popular trends. In turn, these have led to a never-ending evolution of various industries. In the case of real estate, one of the prominent trends seen today is co-working and the rise in demand for flexible working spaces. Given the low budget and need

2 for the price of 1: Are dual-key units a bang for your buck?

Several have testified to increasing tensions between family members during the lockdown phase, with everyone trapped at home with nowhere to go apart from the supermarket nearby. If you are the lucky few with strong family ties, a dual-key unit might just be your best home option to consider next! Dual-key homes remain a relatively

How Does The Capitalization Rate Affect My Property Investment Decisions?

Purchasing a property is a big decision, as it is a household’s largest investment. It is especially so for Singaporeans, considering the exorbitant property prices due to our land scarcity. Hence, there has to be careful consideration before investing in property. One of the factors to be considered is the capitalization rate, or cap rate

Top 5 reasons behind the rise in HDB resale prices

Despite the economic recession caused by the Covid-19 pandemic, HDB resale prices has risen. Resale Price Index (RPI) refers to the index used to compare the overall price movements of HDB resale price, has been increasing for the past 5 quarters. There is a significant increase of 3% from Q4’2020 to Q1’2021. While this trend

Does DBS Reverse Mortgage Loan Equate To Care-Free Retirement?

On 29 June 2013, the government released the Total Debt Servicing Ratio (TSDR) framework in which, borrowers would have to fulfil a strict assessment to obtain their desired loan amount. This meant that the amount an individual could borrow would be limited to his ability to service all their loans within the portfolio, based on

Conservation Shophouses: Old or Gold?

Shophouses in Singapore are seen as the pride of Singapore and a symbol of our unique and diverse history. Many local conserved shophouses boast its architectural medley of Chinese, Peranakan, Malay, Indian and Indonesian influence, making a row of such shophouses a magnificent sight to behold. Other than its architectural appeal, did you know that