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.

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.