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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
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
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 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
Do you know that between 1.5 months to 3.5 months of Service and Conservancy Charges rebates are given out to Singaporean households living in HDB flats every year. But before we deep dive into the government rebates for Service and Conservancy Charges, let’s understand what the fee is for. If you are staying in a
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
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
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
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
To combat rising inflation, there is an increasing group of investors looking at purchasing properties in trust for their children. It is evident that property prices have been accelerating over the years and many parents are considering securing a future home for their child. But what does it really mean to purchase a property in