Financing

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...

To apply for a housing loan in Singapore, you must understand TDSR. In this article, you will find the TDSR meaning, calculation, and implications for your housing loan application. What is TDSR? A borrower’s entire monthly income dedicated for loan repayment cannot exceed 55% of their whole income. This includes the housing loan itself, a car loan, credit card debts, personal loan, etc. In 2013, the...

It’s often said that location is the most important factor when buying a new home. While that is almost always the gospel truth, price is undeniably the next-most crucial point of consideration for any aspiring homeowner.  Amidst the current market where prices for private properties are on the uptrend, it’s more important than ever to carefully evaluate what you’re able to afford....

For almost anyone doing it for the first time, buying a home in Singapore can be a confusing process. Throw in a bunch of acronyms, like ABSD (Additional Buyer’s Stamp Duty) and MOP (Minimum Occupation Period), and things can get baffling real quick. However, if you intend to take out a loan on a new home purchase, two terms that you’ll absolutely need to know are TDSR and MSR. In their full...

Investing in Singapore Real Estate offers promising rental yield opportunities, attracting local and international investors. With its robust economy and strategic location, Singapore has long been a hotspot for property investments. This article explores three neighborhoods that stand out for potential rental returns, especially amid fluctuating Singapore housing prices and rising property demand. 1....

When it comes to buying a home, securing the best mortgage rates is crucial. A lower rate can save you thousands over the life of the loan. However, with fluctuating rates and the complexity of the property market, knowing where to begin is challenging. In this article, I will explain how to secure the most favorable rates and what factors you should consider when planning for a home...

Ready to use your CPF for property purchases but unsure about eligibility and rules? Don’t let confusion hold you back. Learn more and get the guidance you need today. The Central Provident Fund (CPF) is a significant financial tool for many Singaporeans when purchasing property. CPF is a comprehensive social security savings plan that secures Singapore’s future. Employers and employees fund it through...