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Not sure when to refinance your home loan? In this comprehensive 2026 guide, we explain the ideal time to refinance, why homeowners should start the process three months before their lock-in period ends, whether refinancing early makes sense, and when paying a breakage penalty may still result in substantial savings.
Fixed mortgage rates have risen again in July 2026 while floating rates remain attractive. Discover the latest home loan rates and whether fixed or floating packages make more sense in today's market.
Buying an investment property involves much more than paying the downpayment. Understand the cash required, financing, rental yields, property taxes, SSD rules and ideal returns before investing in Singapore property in 2026.
Cash Over Valuation (COV) occurs when a property's purchase price exceeds its official valuation. While COV does not increase your maximum home loan, it can significantly increase the amount of cash required upfront as the difference must be paid entirely in cash. Learn how COV affects your loan eligibility, CPF usage, Buyer’s Stamp Duty (BSD), Additional Buyer’s Stamp Duty (ABSD), and what to consider before committing to a resale property purchase in Singapore.
Why do different banks offer different mortgage rates in Singapore? Learn how funding costs, lending policies, income assessment, refinancing criteria and market strategies affect home loan rates and approvals.
Why do different banks offer different mortgage rates in Singapore? Learn how funding costs, lending policies, income assessment, refinancing criteria and market strategies affect home loan rates and approvals.
HDB Purchase: From choosing between Joint Tenancy and Tenancy in Common to understanding Essential Occupier rules, CPF usage, housing grants and bank loan options, these decisions can have long-term implications on your finances and future property plans. In this guide, we explore everything couples need to know about HDB joint housing loans in Singapore and how to choose the most suitable ownership and financing structure.
Singapore mortgage rates are beginning to rise as both local and foreign banks increase fixed-rate packages. With SORA volatility increasing and global uncertainties mounting, homeowners may want to review their refinancing options sooner rather than later.
Learn how much CPF you can use for your housing downpayment and monthly mortgage repayments in Singapore, including HDB and private property rules, LTV limits, withdrawal limits, lease restrictions, and important CPF usage considerations for older resale flats.
June 2026 BTO buyers must understand HFE applications, CPF grants, loan eligibility, 10-year MOP rules, resale levy implications, and financing options before committing to a new HDB flat purchase in Singapore.
Can US citizens buy property in Singapore? Learn about ABSD exemption, BSD, eligible property types, US income recognition, home loans and required documents.
Thomson Reserve is shaping up to be one of Singapore’s biggest private residential launches in Q4 2026. With 1,268 units, an Upper Thomson MRT location and an estimated launch price from around S$2,500 psf, we examine whether demand can hold up — and how much income buyers may need to finance a unit.
Singapore mortgage rates appear to have passed their short-term bottom. As SORA and local-bank fixed rates edge higher, we look at what homeowners can expect for the rest of 2026, 2027 and beyond.
Singapore’s NDR 2026 raises the BTO income ceiling to $16,000 and the EC ceiling to $18,000. Here’s how the change may affect housing loan eligibility, BTO demand, Bayshore applications, ballot chances for families with children, and the wider property market.