Should you use CPF or cash for your monthly home loan? Learn the pros, cons, and strategies to maximise retirement savings and cash flow in Singapore.

Each path differs in complexity, timing, and financial implications, especially for smaller loans or projects under construction. Understanding which option serves you best can save time, money, and hassle.

These mechanisms allow borrowers to demonstrate additional financial capacity and meet loan eligibility, but their nuances are critical to understand. Here’s your comprehensive guide.

Singapore still allows foreign property ownership, but under tight regulation to preserve sustainability in its housing market. Foreigners can purchase certain private property types freely, while others, like landed homes require special approvals.

This guide outlines typical upfront Cash and CPF required. But client's profile, citizenship status, existing home loans, CPF savings, and purchase price can significantly impact your requirements.

With growth in Singapore slowing and inflation moderating, the key question now becomes: Should homeowners opt for Fixed‑rate stability or Floating‑rate flexibility?