How to Refinance Your Home Loan in Singapore and Save on Interest in 2026 (Step-by-Step Guide)
Refinancing your home loan in Singapore can significantly reduce interest costs in 2026 if done correctly. By understanding penalties, loan structures, and bank differences, homeowners can make informed decisions and maximise savings through proper planning, comparison, and professional guidance throughout the refinancing process.
BSD and ABSD Singapore 2026: How Much You Pay and Who Pays What
Buyer Stamp Duty and Additional Buyer Stamp Duty form a significant part of property purchase costs in Singapore. Understanding how stamp duties are computed, who pays what, when payment is due, and the risks of improper structuring helps buyers avoid costly mistakes and plan their property purchase more confidently in 2026.
Why Did the Bank Reject My Home Loan Application? (2026 Guide)
A bank rejection does not always mean you are ineligible for a home loan. Income structure, debt ratios, credit profile, and bank-specific policies all matter. Understanding these factors and securing an IPA early can significantly improve approval chances.
How Do I Get a Home Loan If I Am Self-Employed in Singapore?
Self-employed individuals can still secure a home loan in Singapore by understanding how banks assess income. From NOA and CPF-paid salaries to show funds and pledge funds, proper planning and structuring can significantly improve loan approval chances.
Mortgage Rates Outlook for 2026 and Beyond: Fixed or Floating?
Mortgage rates in 2026 are expected to remain stable, with fixed and floating packages priced similarly. Floating rates may ease further in 2026, but early signs suggest potential rate increases from 2027 onwards, making loan structure and flexibility more important than headline rates.
What Is an Option to Purchase (OTP) & How to Avoid Losing It in Singapore (2026 Guide)
The Option to Purchase (OTP) is the first legal step in securing an HDB or private property, but many buyers lose their option fee by mistake. This guide explains how HDB and private OTPs work, common reasons for forfeiture, and the essential steps to secure financing and avoid losing your OTP.
Singapore Home Loan Interest Rate Forecast 2026: Will Rates Drop Further After the Latest 2025 December Fed Cut?
The final interest rate cut from the US Federal Reserve in December 2025 has sparked a familiar question among Singapore homeowners: Will SORA continue to fall in 2026, and should borrowers switch to fixed, floating, or hybrid home loans now?
HFE Letter 2026: Requirements, Income Checks & Approval Tips (Updated Guide)
If you are planning to apply for a BTO or resale flat in 2025, the HDB Flat Eligibility (HFE) letter is now the first and most important step in your home-buying journey. Introduced as part of HDB’s effort to simplify and streamline the application process, the HFE letter replaces multiple assessments that buyers previously had to complete separately.
HDB Income Ceiling 2025/2026 Explained: Complete Guide for BTO and Resale Buyers
Insights & Updates Latest News The income ceiling has become more than just a number. For many young couples, it determines whether they can afford a subsidised BTO, whether they qualify for CPF grants, and whether they will have to stretch further for a resale flat instead. As salaries in Singapore climb, particularly in certain […]
HDB Loan vs Bank Loan: Which Is Better in 2025/2026?
Recent months have seen banks offering some of the lowest fixed packages in years, with several major lenders including DBS, UOB and OCBC rolling out five-year fixed rates around 1.78%