Why Is My IPA So Low? The Real Reasons Your Home Loan Approval Is Smaller Than Expected
Wondering why your IPA (In-Principle Approval) is so low? This 2025 expert guide explains hidden reasons your home loan approval is smaller than expected, including credit bureau timing, bank policies, stress-test interest rates, variable income haircuts, TDSR issues, and how to increase your loan eligibility legally
Property Tax in Singapore 2025: How It’s Calculated for HDB & Private Homes
A complete 2025 guide on how property tax is calculated for HDB and private properties in Singapore. Learn the difference between owner-occupied and non-owner-occupied rates, how Annual Value (AV) affects your bill, how to update your property classification with IRAS, and the penalties for wrong declarations.
When Dreams Meet Reality: Can BTO Flats Still Meet Rising Expectations? A Housing Advisor’s Honest Take on Trade-Offs, Affordability and the New HDB Landscape
As young Singaporeans push for affordable, central, and amenity-rich BTO homes, expectations collide with market realities. A housing advisor breaks down the evolving Standard–Plus–Prime system, rising competition, affordability concerns, and the strategic decisions every homebuyer must make.
Does HDB Approve Higher Loan Amounts Than Banks? (Fairloan Explains)
HDB often approves higher loan amounts because it uses a lower stress-test rate than banks’ 4%. While both now cap at 75% LTV, HDB loans let you use CPF for the full downpayment, offering stability versus fluctuating bank rates.
HDB Resale Transactions Plunge 38% in October 2025—Is Now the Time to Buy or Wait?
HDB resale transactions plunged 38% in October 2025 — the lowest since 2020. While volumes dipped, prices only softened slightly. Fairloan analyses whether this signals a buying opportunity amid rate cuts and new launches, and how sellers should position in a cautious market.
CPF Withdrawal Limit: You May Not Be Able to Use CPF for Your Home Loan
CPF savings can ease your property purchase, but strict limits apply. Once you reach the Withdrawal Limit, future home loan payments must be made in cash. Understanding these limits early helps you plan wisely for HDB or private property financing.
Manner of Holding Property in Singapore. Does It Matter?
When buying property in Singapore, choosing joint tenancy or tenancy-in-common matters more than many realise. It determines how ownership passes on if one owner dies, how family inheritance works, and whether your loved ones remain protected — especially when paired with proper mortgage insurance and estate planning.
Is Buying Property in Japan Worth It for Singapore Investors?
With the strong Singapore dollar and low Japanese interest rates, more Singaporeans are exploring Japan property as an investment. While the appeal is clear, factors like currency risk, regulations and rental demand must be carefully evaluated to determine long-term value and suitability.
What Is CBS Credit Report in Singapore? How Does It Affect Your Housing Loan?
Your CBS credit report plays a key role in securing a home loan in Singapore. Beyond income and savings, banks assess your repayment history and financial discipline. Whether you have excellent credit, a minor late payment, no credit record, or past challenges, the right guidance ensures a confident and successful loan journey.
How to Apply for the Oct 2025 BTO Launch (Complete HFE-to-Keys Guide)
Planning to throw your hat into the ballot for HDB’s October 2025 BTO? Here’s a clear, step-by-step guide—from getting your HFE letter to booking your flat—plus fees, required documents, grants, loan limits, and when a bank loan might make sense.