What is Home Protection Scheme (HPS) in Singapore? Is It Compulsory?
HPS is a mandatory mortgage insurance for HDB owners using CPF to service their loan. It ensures your outstanding loan is fully paid in case of death, disability, or terminal illness, protecting your family from losing the home.
Cost of Buying HDB and Condo in Singapore (2026)
Choosing the right mortgage involves more than just rates. With varying bank terms and changing market conditions, professional advisory ensures access to the best options, proper loan structuring, and avoids costly mistakes, helping homeowners stay financially efficient in a dynamic interest rate environment.
US–Iran Conflict and Oil Prices at US$100: What It Means for Interest Rates in Singapore 2026
Rising US–Iran tensions have pushed oil prices toward US$100, increasing inflation risks and delaying rate cuts. In Singapore, banks are already raising fixed mortgage rates. With signs of a shifting rate cycle, homeowners should consider fixed rates with flexibility to manage future uncertainty
EC Bridging Loan for HDB Upgraders (2026): A Complete Guide to Structuring Your Upgrade Properly
Learn how EC bridging loans help HDB upgraders manage cashflow gaps when CPF and sale proceeds are not yet available. Understand NPS vs DPS, resale levy impact, and how banks calculate your maximum bridging loan eligibility for a smooth upgrade.
What Is the HDB 15-Month Wait-Out Period? (2026)
The HDB 15-month wait-out period requires private property owners to wait before buying a resale flat after selling. However, seniors aged 55 and above are exempt if purchasing a 4-room or smaller flat, supporting retirement right-sizing needs.
HDB Purchase: What is the Ethnic Integration Policy (EIP) and SPR Quota (2026)?
When buying a resale HDB flat, buyers must comply with the Ethnic Integration Policy (EIP) and SPR quota set by HDB. These rules ensure a balanced ethnic mix in estates and limit the number of SPR households in each block and neighbourhood.
Rules for Renting Out HDB Flats in Singapore (2026 Guide): What Homeowners Must Know
HDB enforces strict rental rules to ensure public housing remains primarily for owner-occupation, prevent property speculation, maintain stable residential communities and avoid overcrowding. These regulations help preserve affordability, safety and the long-term sustainability of Singapore’s public housing system.
What is HFE and How to Apply for Your HDB Flat Eligibility (HFE) 2026 Guidelines
The HDB Flat Eligibility (HFE) letter confirms your eligibility to buy a flat, receive CPF housing grants and take up an HDB or bank loan. Apply via the HDB Flat Portal using Singpass. Approval takes about one month and remains valid for nine months.
Do I Need to Engage an Agent to Help Me with Purchase of Resale HDB Flat in Singapore 2026?
Buying a resale HDB flat involves securing your HFE letter, confirming loan eligibility, negotiating price, managing valuation risk, exercising the OTP, engaging conveyancing and completing HDB approval. While agents are optional, proper financial structuring and oversight are essential to avoid costly mistakes
HDB Housing Grants in Singapore 2026: Complete Guide for BTO and Resale Flats
HDB housing grants can reduce your flat price by tens of thousands of dollars. Learn which grants apply to couples, families, seniors, and singles for BTO and resale flats, how income affects amounts, and how to plan strategically.