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.

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.

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.

Executive Condominiums (ECs) offer Singapore’s middle-income buyers a smart balance between affordability and lifestyle. In 2025, ECs remain 25–30% cheaper than private condos, yet provide full facilities, solid investment potential, and CPF grants. This guide explains eligibility, costs, financing, and key steps to buying an EC confidently in Singapore.

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.

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.

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.

In October 2025, Singapore borrowers face a choice between SORA-pegged floating loans (EIR ~1.5%) and a 1.50% fixed package with free conversion after 12 months. With SORA and Fixed rates on par now and the Fed easing cautiously, fixed loans are slightly better as it offers certainty and embedded flexibility, making them the safer choice for most homeowners.

Refinancing a home loan in Singapore can save thousands, but it’s not just about chasing lower rates. Borrowers must check TDSR and MSR eligibility, watch for lock-in penalties, subsidy clawbacks, and prepayment costs tied to rate review dates. Aligning refinancing with future plans, such as upgrading or selling, ensures savings outweigh hidden fees and risks.

Should you clear off your Singapore home loan early? The decision depends on your finances, values, and goals. Paying with CPF incurs accrued interest that reduces future cash proceeds, while using cash carries opportunity costs. HDB owners face liquidity limits, while condo owners can access equity term loans. Balancing debt freedom with financial flexibility is key.