As 2025 unfolds, mortgage rates in Singapore remain one of the most talked-about topics among homebuyers and investors. The big question: should you lock in your mortgage rate for stability, or stay on a floating plan that adjusts with the market? Your answer can significantly affect long-term costs and investment returns. Understanding Mortgage Rate Trends in 2025 Rates are likely to stay...
The Additional Buyer’s Stamp Duty (ABSD) remains one of Singapore’s most powerful tools to maintain housing stability. With the 2025 revisions now in effect, buyers and investors are recalibrating their property plans. Understanding what changed, how it affects affordability, and what strategies still work will help you navigate today’s market with confidence. What Changed in the 2025 ABSD...
Upgrading from an HDB flat to a private property is one of the most important milestones for Singaporean families. Yet most upgrades take longer and cost significantly more than expected. The key lies in financial planning, strategic timing, and careful property selection. With the right framework, families can reduce cash requirements and shorten the upgrade journey by years.Understanding Your Upgrade...
Introduction In Singapore, property is more than just a home — it’s one of the most effective ways to build and preserve wealth. But success doesn’t come from a single purchase. True financial security comes from systematic portfolio planning, where each property serves a role in delivering cash flow, growth, or diversification. Whether you’re a first-time investor looking to start small or...
While HFE applications have high approval rates, many face delays or reduced loan amounts due to documentation errors. Here's the optimization guide that prevents delays and maximizes borrowing capacity. The HDB Flat Eligibility (HFE) letter serves as your gateway to purchasing HDB resale flats and accessing concessionary HDB loans. Subtle requirements and documentation nuances can significantly...
The term 'fire sale' gets thrown around a lot in Singapore’s property market. Many times, it’s more marketing spin than reality.
The Property Asset Progression (PAP) scheme has been popular among homeowners in Singapore seeking long-term financial security. Buying a home is not just about buying a property, it’s about changing your way of thinking to build wealth through property using financing. PAP helps us to build our property portfolio gradually for passive income and capital growth instead of just settling for one HDB...
Singapore is one of the most popular business destinations in Southeast Asia. It has a well-developed economy and a robust real estate market. For foreigners looking to invest in property, there are various investment opportunities in Singapore, in particular, commercial and industrial properties. Commercial properties include offices, retail spaces, and other business spaces while industrial properties...
The importance of location cannot be ignored when investing in property in Singapore. There are two areas of particular interest to investors, namely the Core Central Region (CCR) and the Rest of Central Region (RCR). Each region has some unique benefits and possible yields, thus, it is important to know the differences. Understanding CCR and RCR Core Central Region (CCR) encircles the opulent...
The homeowners in Singapore are asking a lot if the interest rates for home loans will fall in 2025. There is a probable yes. Mortgage rates in Singapore tend to follow the US Federal Reserve’s interest rate changes. As such, the cuts being made by the Fed mean mortgage rates should also come down in Singapore. As of January 2025, the Fed is poised to leave interest rates unchanged, with the 4.25...
