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.
What is Cash Over Valuation (COV)? Buying Overvalued HDB Flats in Singapore (2025)
In 2025, Singapore’s resale HDB buyers must understand whether they’re paying fair value and how COV (Cash-Over-Valuation) impacts affordability. This guide explains how to identify undervalued and overvalued flats, assess fair prices, and navigate COV confidently to make smarter, financially sound property decisions.
What Are Singapore’s Property Cooling Measures. What Could Come Next?
Singapore’s property market remains resilient, but new cooling measures could soon emerge. Beyond stricter TDSR stress tests and longer SSD periods, policymakers may target ABSD loopholes like spousal decoupling, impose taxes on vacant units, or tighten transparency rules for trusts and foreign buyers to ensure long-term housing sustainability.
What Is HDB Minimum Occupation Period (MOP) and Why It Matters (2025)
Yes, you can rent out your HDB flat in Singapore, but only under strict conditions. Owners must meet the Minimum Occupation Period (MOP), apply for HDB approval, and pay higher property taxes. While subletting provides steady rental income, rules, costs, and long-term goals must be weighed carefully before deciding.