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Choosing between a fixed or floating home loan in 2026 depends on your risk appetite. With rates stabilising around 1.3%–1.5%, fixed packages offer long-term certainty while floating SORA plans suit borrowers expecting slight rate dips.
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?
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.
Insights & Updates Latest News The income ceiling has become more than just a number.
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%
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
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.
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.
Insights & Updates Latest News It’s a question that few homeowners want to think about,
Adding parents as co-borrowers can increase your mortgage loan eligibility — but it may trigger ABSD or CPF restrictions if they’re co-owners. Fairloan explains how to structure ownership and borrowing smartly to maximise approval while avoiding unnecessary taxes.
Before applying for the February 2026 BTO, do an In-Principle Approval (IPA) with Fairloan to understand your loan affordability and review the latest mortgage rates. Comparing current fixed and floating packages early helps you plan confidently and avoid relying on outdated assumptions.
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.
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.
Singles in Singapore can now apply for BTO or resale flats with far more flexibility than before. This 2026 guide explains eligibility rules, income ceilings, single-buyer schemes, and real examples of how singles, single parents, siblings and mixed-status families can purchase an HDB home, along with financing tips and loan considerations.