Why Is the HDB Loan Interest Rate Always 2.6%? (And When It’s Not)
The HDB loan rate stays at 2.6% because it’s pegged 0.1% above the CPF Ordinary Account rate. While stable, not everyone qualifies. With banks now offering fixed packages around 1.88%, some borrowers may benefit more from a well-timed bank loan strategy.
HDB Resale Transactions Plunge 38% in October 2025—Is Now the Time to Buy or Wait?
HDB resale transactions plunged 38% in October 2025 — the lowest since 2020. While volumes dipped, prices only softened slightly. Fairloan analyses whether this signals a buying opportunity amid rate cuts and new launches, and how sellers should position in a cautious market.
CPF Withdrawal Limit: You May Not Be Able to Use CPF for Your Home Loan
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.
Manner of Holding Property in Singapore. Does It Matter?
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.
6–7…? Trendy for Gen-Z?! Lets find out what “6–7” Means for Singapore Home Loan instead
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.
Floating SORA vs Fixed Rate: Which Home Loan Makes More Sense for Singapore Borrowers? (Nov 2025)
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.
How Did SORA Come About? Understanding Singapore’s Benchmark Rate Transition
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.
Is Buying Property in Japan Worth It for Singapore Investors?
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.
What Is CBS Credit Report in Singapore? How Does It Affect Your Housing Loan?
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.
How to Apply for the Oct 2025 BTO Launch (Complete HFE-to-Keys Guide)
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.