Our Articles

Can You Take an Equity Loan on a Fully Paid Property? Quick answer Yes, if it’s private property. With no other housing loans, the applicable cap is 75% of its current valuation, less CPF [...]

How Much Cash Can You Unlock From a Private Property? Quick answer With no other housing loans, the overall cap on borrowing against your private property is 75% of its current valuation. The [...]

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 [...]

Settling down, getting married and starting a new family are part of the wonderful journey of life. For couples in Singapore though, these checkpoints also represent some of the most [...]