Equity Term Loan (ETL) in Singapore: Complete Guide
An Equity Term Loan (ETL) lets Singapore Private Property owners unlock cash from their home’s value at lower interest rates compared to personal or SME loans. Popular uses include funding businesses, buying cars, overseas education, or legacy planning through insurance. ETL follows an amortisation structure, making it more cost-efficient than flat-rate loans.
Best BUC Home Loan Rates Singapore (Sept 2025)
We provide expert BUC home loan comparisons, discover the best BUC loan interest rates across major banks like DBS, UOB, Standard Chartered, Maybank, Citibank, HSBC, CIMB Bank and OCBC.
Tenancy In Common or Joint Tenancy for SG Property?
Deciding between Joint Tenancy and Tenancy in Common is one of the most important choices when buying property in Singapore. The manner of holding affects not only ownership shares but also how the property is passed on through wills, the Intestate Succession Act, or the right of survivorship. This guide explains the key differences, including the popular 99/1 Tenancy in Common structure used in decoupling
Hidden Costs of Buying a Private Condo in Singapore (2025)
Discover all the hidden fees when buying a private condo in Singapore, from stamp duties to maintenance, taxes, and renovation. Updated for 2025.
Executive Condo vs Private Condo in Singapore: A Complete Guide to the Key Differences
While both offer modern facilities and lifestyle perks, they differ in crucial areas such as pricing, grants, eligibility, and financing rules like MSR and TDSR. ECs provide subsidies and long-term appreciation potential but come with restrictions such as a 5-year MOP and limited launches. Private condos, on the other hand, offer full flexibility, immediate resale options, and wider availability.
SORA vs Fixed Rate Home Loans in Singapore (Sept 2025): Which is Better?
With Daily SORA dipping below 1% in Sept 2025, Singapore homebuyers face a key choice: lock in historic low fixed rates from 1.65%–1.75%, or ride SORA packages where they can enjoy at 1.3%–1.5% potentially. Beyond rates, features like penalty waivers, partial prepayments, and free conversions after one year make the right mortgage strategy more important than ever.
MSR and TDSR in Singapore: The Complete Guide to Buying HDB or Private Property
The Mortgage Servicing Ratio (MSR) limits monthly housing instalments to 30% of gross income for HDB and new EC buyers, while the Total Debt Servicing Ratio (TDSR) caps total monthly debt repayments at 55% for all property types. These measures safeguard affordability, curb speculation, and protect households from over-borrowing
Why are Singapore’s million-dollar HDB flats becoming more common?
Flats in mature estates such as Bishan, Queenstown, and Toa Payoh often command premium prices due to their prime locations, strong connectivity, and proximity to top schools and amenities. Rare unit types like jumbo flats, executive maisonettes, and DBSS units add further scarcity value. With rising household incomes and a desire for larger living spaces, demand for such homes has surged.
New Launch in 2025: A Comprehensive Guide to Purchasing & Choosing Home Loans
Buying a Building-Under-Construction property in Singapore in 2025 presents exciting potential, especially as compounded SORA rates slip to near 1.5%, with Year-1 spreads beginning at SORA + 0%. This guide walks you through how BUC loans are disbursed, why CSC timing matters, whether you intend to stay long term, refinance, or sell before TOP
Is it better to choose Home loan with the lowest interest rate in 2025?
Many Singaporeans chase the lowest home loan interest rate, but in 2025 the cheapest option isn’t always the best. Lock-in periods, floating rate risks, hidden fees, and flexibility matter just as much as the headline rate. Learn why choosing wisely between bank fixed, SORA floating, or HDB loans can save you more in the long run.