An Equity Term Loan (ETL) lets Singapore Private Property owners unlock cash from their home’s value at lower interest rates compared to personal or SME loans. Popular uses include funding businesses, buying cars, overseas education, or legacy planning through insurance. ETL follows an amortisation structure, making it more cost-efficient than flat-rate loans.

We provide expert BUC home loan comparisons, discover the best BUC loan interest rates across major banks like DBS, UOB, Standard Chartered, Maybank, Citibank, HSBC, CIMB Bank and OCBC.

Deciding between Joint Tenancy and Tenancy in Common is one of the most important choices when buying property in Singapore. The manner of holding affects not only ownership shares but also how the property is passed on through wills, the Intestate Succession Act, or the right of survivorship. This guide explains the key differences, including the popular 99/1 Tenancy in Common structure used in decoupling

Discover all the hidden fees when buying a private condo in Singapore, from stamp duties to maintenance, taxes, and renovation. Updated for 2025.

While both offer modern facilities and lifestyle perks, they differ in crucial areas such as pricing, grants, eligibility, and financing rules like MSR and TDSR. ECs provide subsidies and long-term appreciation potential but come with restrictions such as a 5-year MOP and limited launches. Private condos, on the other hand, offer full flexibility, immediate resale options, and wider availability.

With Daily SORA dipping below 1% in Sept 2025, Singapore homebuyers face a key choice: lock in historic low fixed rates from 1.65%–1.75%, or ride SORA packages where they can enjoy at 1.3%–1.5% potentially. Beyond rates, features like penalty waivers, partial prepayments, and free conversions after one year make the right mortgage strategy more important than ever.