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Optimize Home Loan Financing: Keep $20K in Your CPF Ordinary Account

Your Central Provident Fund (CPF) comes in handy when purchasing your new home but how much money should one tap on CPF? Should you deplete your CPF savings? What is a safe amount of money to be retained in CPF? Fret not, let us give you a better idea on home loan financing. When purchasing

Affordable Home Loans: Discovering the Best Options for Your Dream Home

Did you just purchase your first HDB flat? Buying a HDB flat is not cheap, and many of us would therefore take up an affordable home loan from either the bank or HDB.  However, as many of us know, the interest rates for bank loans have recently risen. So, which should I choose between a

Unveiling the Charm of Conservation Shophouses: A Timeless Investment Opportunity

I’m sure you have heard of the term ‘Conservation Shophouses’ before, but what exactly are they? In this article, we will introduce them to you, and perhaps, convince you about why it could be a great investment. What are Conservation Shophouses? According to URA, shophouses are a “historical source of delight and nostalgia”, as they

7 Secret Bank Policies Revealed

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

A Comprehensive Guide To Property Valuation – Residual Method

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!

A Comprehensive Guide to Property Valuation – Direct Comparison Method

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

Updated Cooling Measures (2023)

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

Reverse Mortgage – Did DBS Successfully Bring Back Reverse Mortgages?

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

The Key to ABSD (Trust)

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