How to Refinance Your Home Loan in Singapore and Save on Interest in 2026 (Step-by-Step Guide)
Refinancing your home loan in Singapore can significantly reduce interest costs in 2026 if done correctly. By understanding penalties, loan structures, and bank differences, homeowners can make informed decisions and maximise savings through proper planning, comparison, and professional guidance throughout the refinancing process.
BSD and ABSD Singapore 2026: How Much You Pay and Who Pays What
Buyer Stamp Duty and Additional Buyer Stamp Duty form a significant part of property purchase costs in Singapore. Understanding how stamp duties are computed, who pays what, when payment is due, and the risks of improper structuring helps buyers avoid costly mistakes and plan their property purchase more confidently in 2026.
Why Did the Bank Reject My Home Loan Application? (2026 Guide)
A bank rejection does not always mean you are ineligible for a home loan. Income structure, debt ratios, credit profile, and bank-specific policies all matter. Understanding these factors and securing an IPA early can significantly improve approval chances.
How Do I Get a Home Loan If I Am Self-Employed in Singapore?
Self-employed individuals can still secure a home loan in Singapore by understanding how banks assess income. From NOA and CPF-paid salaries to show funds and pledge funds, proper planning and structuring can significantly improve loan approval chances.
What You Should Do Before Applying for the Upcoming BTO in Feb 2026 (Ultimate Pre-Application Checklist)
Before applying for the February 2026 BTO, do an In-Principle Approval (IPA) with Fairloan to understand your loan affordability and review the latest mortgage rates. Comparing current fixed and floating packages early helps you plan confidently and avoid relying on outdated assumptions.
Mortgage Rates Outlook for 2026 and Beyond: Fixed or Floating?
Mortgage rates in 2026 are expected to remain stable, with fixed and floating packages priced similarly. Floating rates may ease further in 2026, but early signs suggest potential rate increases from 2027 onwards, making loan structure and flexibility more important than headline rates.
What Is an Option to Purchase (OTP) & How to Avoid Losing It in Singapore (2026 Guide)
The Option to Purchase (OTP) is the first legal step in securing an HDB or private property, but many buyers lose their option fee by mistake. This guide explains how HDB and private OTPs work, common reasons for forfeiture, and the essential steps to secure financing and avoid losing your OTP.
How to Apply for an HDB Flat as a Single Buyer in Singapore (2026 Guide)
Singles in Singapore can now apply for BTO or resale flats with far more flexibility than before. This 2026 guide explains eligibility rules, income ceilings, single-buyer schemes, and real examples of how singles, single parents, siblings and mixed-status families can purchase an HDB home, along with financing tips and loan considerations.
What Is My Maximum Loan? (HDB & Private Property Bank Loan Guide 2026)
Understanding your maximum home loan in Singapore depends on the 4% stress test, MSR, TDSR and how banks assess your income and liabilities. Whether buying HDB or private property, this guide explains how loan limits are calculated and how strategies like pledged funds can help increase your eligibility.
Best Home Loan in Singapore 2026: Full Guide for BTO & Resale Buyers
Choosing the best home loan in Singapore for 2026 depends on your budget, risk appetite and long-term plans. With fixed rates from 1.30% and floating SORA options stabilising, this guide helps BTO and resale buyers compare bank loans, understand market trends and secure the most affordable package.