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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.
The Mortgage Servicing Ratio (MSR) limits monthly housing instalments to 30% of gross income for HDB and new EC buyers, while the Total Debt Servicing Ratio (TDSR) caps total monthly debt repayments at 55% for all property types. These measures safeguard affordability, curb speculation, and protect households from over-borrowing
Flats in mature estates such as Bishan, Queenstown, and Toa Payoh often command premium prices due to their prime locations, strong connectivity, and proximity to top schools and amenities. Rare unit types like jumbo flats, executive maisonettes, and DBSS units add further scarcity value. With rising household incomes and a desire for larger living spaces, demand for such homes has surged.
Buying a Building-Under-Construction property in Singapore in 2025 presents exciting potential, especially as compounded SORA rates slip to near 1.5%, with Year-1 spreads beginning at SORA + 0%. This guide walks you through how BUC loans are disbursed, why CSC timing matters, whether you intend to stay long term, refinance, or sell before TOP
Many Singaporeans chase the lowest home loan interest rate, but in 2025 the cheapest option isn’t always the best. Lock-in periods, floating rate risks, hidden fees, and flexibility matter just as much as the headline rate. Learn why choosing wisely between bank fixed, SORA floating, or HDB loans can save you more in the long run.
In short, choose fixed if you value peace of mind. Choose SORA if you want to ride the market downward. SORA (Singapore Overnight Rate Average) is fast becoming the dominant benchmark for floating-rate home loans in Singapore. It is grounded in actual overnight interbank lending volumes, making it more transparent and stable. With global interest rates easing, SORA is flexing its potential as a smarter, fairer benchmark
Condo prices in Singapore remain high in 2025, with URA data showing steady gains across CCR, RCR, and OCR since 2000. Rising land costs, resilient demand, and rental strength underpin values. While yields average 2–4%, condos remain attractive for wealth preservation. Buyers must weigh 99-year vs freehold, and new launch vs resale opportunities carefully.
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