Articles

How Much Can I Borrow for a Property in Singapore? Quick answer You can borrow the lower of two amounts. The first is the loan-to-value (LTV) limit: up to 75% of the price or valuation, whichever [...]

What Can You Do If Your In-Principle Approval Is Lower Than Expected? Quick answer An in-principle approval (IPA) can come in lower than expected because of a shorter loan tenure, income the bank [...]

Home Loan Options After a Bank Rejects Your Application Quick answer A rejected home loan usually comes down to one of two things: a national limit you didn’t meet, or one bank’s own [...]

Quick answer A fixed-rate mortgage locks your rate for a stated period; a SORA-linked mortgage moves with compounded SORA plus the bank’s spread. Today the lowest 2-year fixed rate is [...]

Quick answer Yes, you can refinance a Singapore bank home loan during its lock-in period, but you will pay an early redemption penalty – 1.50% of the amount redeemed on the packages we [...]

Quick answer Repricing means switching to a new package with your existing bank; refinancing means moving your mortgage to another bank. Repricing costs $500-$800, with no legal or valuation fees [...]

A home loan or mortgage loan is a common way for Singaporeans to finance the purchase of a property, whether it is a Housing Development Board (HDB) flat or a private property in Singapore. To [...]

In order to calculate a mortgage rate, you will need to take the following steps into consideration: determining a loan amount, choosing a loan term, considering your credit score, researching [...]

In this high-interest home loan climate, choosing the right home loan for you is crucial. Finding the best home loan rate involves comparing offers from multiple lenders, negotiating with your [...]

“I am going to be over 65 next year and the government won’t let me avail myself of a housing loan after that.” It is not true. There is no authority-defined upper mortgage age limit on [...]