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Deposit-Pegged Mortgage Rates: An Overview

In recent years, there has been an increasing trend in banks coming up with their own deposit-pegged mortgage rates (DPMR). DBS was first in the DPMR playing field, introducing the 18-month Fixed-Deposit Home Rate (18M FHR) back in June 2014. About a year and a half later, at the end of 2015, OCBC presented the

MCST – What They Do, Why You Should Care & How To Spot A Good One

The Management Corporation Strata Title (MCST), otherwise known as the managing body for your condominium, manages private properties in Singapore. For new condominiums, the property developer has to find a condo management company within two months of the Temporary Occupancy Permit (TOP). After the first Annual General Meeting (AGM), the management committee will form a

The Magic Ruler

Lu Ban Ruler (魯班尺) The Lu Ban ruler is synonymous with Fengshui or geomancy, which is the Chinese art of living in harmony with nature by harnessing Qi (energy). It is practised by arranging buildings or other sites auspiciously. Who is Lu Ban? Lu Ban (魯班) was a legendary carpenter who lived in ancient China.

The Currency War: Is It Better To Finance Malaysian Properties In SGD or MYR?

Singapore and Malaysia are two countries that offer property investors the advantages of border proximity, ease of transportation, and close economic ties. With Singapore still ranking as the world’s most expensive city to live in (EIU), more investors are turning heads towards neighbour Malaysia. In Malaysia, the property market is gaining momentum. With developments in

Reading the Fine Print for Home Loans

These are the key criteria you have to take into consideration when choosing your home loan: Reference Rate This can be either a Fixed Rate, or floating rates pegged to Singapore Interbank Offer Rate (SIBOR), Swap Offer Rate (SOR) or banks’ internal Board Rates. Lock-in period Typically ranges between 1 to 3 years, but we

International Property Financing

Many local banks have introduced foreign property loans in view of the rising trend of Singaporeans looking outside the little red dot to invest. These investors are usually attracted to their chosen host country due to the less restrictive policies and lending guidelines imposed on foreign buyers as compared to getting a loan for a

Share Value and Maintenance Fees

One of the considerations when purchasing a condominium development is the amount of maintenance fees the homeowner has to pay. It may not be a significant amount but it may increase your monthly commitments considerably. In this article, we will understand how maintenance fees are determined by the amount of share value a condo unit

Buying a Residential Property in Singapore? Position Yourself Now!

Are you still sitting on the fence waiting for property prices to drop before buying your next property? There’s no fault exercising prudence over such a major financial decision. However, while you’re waiting for property prices to drop, your chance of getting approved for a property loan may also be slimming down. Thanks to TDSR

Australian Property Financing

There has been an increasing trend of Singaporeans looking outside of Singapore to park their wealth in real estate – either as their dream retirement home, a place for their children who are university bound to stay in, or as an investment to potentially yield capital gains. The popular choices have been Australia, United Kingdom, Thailand,

5 Reasons To Opt For A Longer Loan Tenor

Buying a home is most probably the biggest financial decision you would make; it is also one that would bind you to a long-term financial commitment. Paramount to your success in repaying a home loan is planning for the loan repayment, loan tenure, and the other costs associated with owning a new home before you