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.

The “6–7” May be crowned Word of the Year. But 6-7 is also important for home owners as we expect the US feds to cut rates .While catchy, its real impact lies in how it shapes SORA and Singapore mortgage rates. Understanding this trend helps homeowners plan smarter refinancing and borrowing decisions through 2025–2027.

At Fairloan, our view is clear: enjoy today’s low rates, whether floating or fixed, and stay flexible. Through 2026, costs should remain stable. The key move comes end-2026 to early-2027 when borrowers should consider locking a longer fixed term such as 3-5years for protection and certainty beyond 2027.

SORA replaced older benchmarks like SIBOR and SOR as part of Singapore’s shift toward transparent, transaction-based interest rates. Backed by MAS and grounded in real market data, SORA offers greater stability, fairness and clarity for borrowers choosing modern floating-rate home loans.

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.

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.