Finance

Your Monthly Interest Payments Are Set To Spike In 2022: Here’s What You Need To Know

Since around 2008/9, bank home loans have been significantly cheaper than HDB Concessionary Loans. Homebuyers have been warned repeatedly that…

• 23 Mar 2022
• 9 min read
• 0

5 Practical Ways To Manage Rising Home Loan Interest Rates In 2022

The United States Federal Reserve is indirectly behind home loan interest rates in Singapore. During the ’08 financial crisis, and…

• 1 Mar 2022
• 8 min read
• 1

5 Common Financing Issues For HDB Upgraders (And How To Solve Them)

Ever since 2019, HDB upgraders have made up the bulk of private home buyers. A combination of rising demand, with…

• 25 Feb 2022
• 8 min read
• 3

Should You Rush Your Home Loan Repayment Before Interest Rates Rise?

Mortgage interest rates are on the way up in 2022. Yes, we’ve heard this before, way back in ’18, but…

• 7 Feb 2022
• 9 min read
• 1

Is The New DBS Reverse Mortgage Loan Good For Asset-Rich, Cash-Poor Retirees?

DBS and CPF have tied up, to create the new DBS Home Equity Income Loan. This helps older Singaporeans to…

• 17 Aug 2021
• 8 min read
• 0

Unable To Meet TDSR & MSR Limits? Here Are 6 Things You Can Do

You’ve got your income documents, your bank statements, your valuation…and then the email comes saying your loan application is rejected….

• 8 Jun 2021
• 7 min read
• 0

3 Easy Methods To Conduct Your Own Property Valuation In Singapore

Is valuation an art or a science? It’s an age-old question that has been asked many times, and while you’d…

• 30 May 2021
• 9 min read
• 0

How Much Would It Take To Pay Off Your Flat By 30, 40, 50 or 55?

For many Singaporeans – heck, for many people across the world – paying off the mortgage early is a common…

• 18 May 2021
• 6 min read
• 0

When Should You Consider Using A Home Equity Loan? Here Are 6 Reasons To Do So

You’ve seen the ads, or maybe had it suggested by a mortgage banker or two: take out a home equity…

• 13 Apr 2021
• 9 min read
• 0

5 Handy Ways To Use Your Property For Retirement Planning

It’s quite common to hear that “property is a good retirement asset”. But in practice, not every homeowner is clear…

• 10 Mar 2021
• 9 min read
• 0

How Does 2020’s Low Interest Rates Impact Your Property Purchase?

If you have been on the lookout for a home this year, you’ve probably heard this many times by now….

• 12 Nov 2020
• 8 min read
• 0

Is It Time To Refinance From An HDB Loan To A Bank Loan?

After almost seven years of consecutive decline, the HDB resale market seems to have turned a corner. They hit a…

• 5 Nov 2020
• 9 min read
• 0

Margin Calls: Possibly The Most Overlooked Risk In High-quantum Properties

You could say that the Singapore private property market has left many people puzzled. Despite Singapore seeing its worst recession…

• 30 Oct 2020
• 7 min read
• 0

Why Do Banks Even Bother Trying To Sell Home Loans With Higher Interest Rates?

You’ve called around to different banks and gotten all their interest rates, and now you have one burning question: why? …

• 8 Oct 2020
• 7 min read
• 1

How Much Must You Earn To Pay Off Your Property By 50?

Here’s a thought that will make any Singaporean heart turn cold: working past 50 to pay off a housing mortgage….

• 6 Oct 2020
• 9 min read
• 0

The Underrated Advantage Of Paying Your Home Loan In Cash

Paying in cash when you can use CPF? There must be a method to this madness. And indeed, there’s a…

• 29 Sep 2020
• 9 min read
• 0

Why Are Some Homeowners Being Advised To Take Lock-in Home Loans?

You’ve gone through all the terms and conditions, and you still can’t believe what the mortgage broker is telling you:…

• 9 Sep 2020
• 6 min read
• 0

You Have Enough To Pay Off Your Home Loan Early; But Should You?

It is a miracle! For years you’ve slogged away at your home loan, thinking you were never going to get…

• 1 Sep 2020
• 8 min read
• 0