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Chris Chong (HoneyMoneySG) Saved S$6,000 Refinancing His HDB Loan: Here's How
Financial blogger Chris Chong (HoneyMoneySG) successfully reduced his mortgage interest rate from 2.6% (HDB loan) to a 1.8% fixed bank loan, leading to a net savings of approximately S$6,000 over three years. If you are an HDB homeowner, you could be overpaying: check the best available rates on Cashew or contact a Cashew advisor today to see how much you could potentially save.
2025-11-10T04:39:08.558Z
20 Years of Data Prove It: Bank Loans Beat HDB Loans
Over the last two decades, HDB’s 2.6% home loan rate has stayed rock solid — while SORA-based bank loans have floated up and down with the market. But when you crunch 20 years of data, a clear pattern emerges: despite a few short spikes, bank loans have been cheaper almost 80% of the time. A borrower with a $500,000 loan over 20 years would have saved roughly $70,000 by going with a typical SORA + 0.5% bank package instead of sticking with HDB’s fixed rate. The takeaway? Start safe with an HDB loan when buying your BTO, but once you’ve collected your keys, refinance to a bank loan — and let the data work in your favour.
2025-10-15T15:47:00.000Z
Best Condo Mortgage Rates in Singapore (Updated on 10 October 2025)
Discover the best condo mortgage rates in Singapore as of 10 October 2025. Fixed and floating packages now start from just 1.5%, down sharply from past years. See today’s lowest rates, compare loan sizes, and learn how much you can save on your condominium loan.
2025-10-10T04:24:29.989Z
Why Paying 2.6% on Your HDB Loan No Longer Makes Sense
With HDB concessionary loans fixed at 2.6% and banks now offering rates as low as 1.60%, many homeowners are paying more than they need to on their mortgages. By refinancing, a typical homeowner with a $500,000 loan could save around $6,000 in just two years — with most banks even subsidising legal and valuation fees for loans above $250,000. The process takes about 6–8 weeks and, while you can’t revert back to an HDB loan once you switch, refinancing is an attractive option for those looking to sell in the near future or pay down their mortgage faster. Cashew makes the process simple by comparing over 500 live packages across all major banks and guiding you to secure the best rate with confidence.
2025-09-23T14:08:41.145Z
Why More Homeowners Are Choosing Cashew
What if getting a home loan in Singapore didn’t mean phone calls, paperwork, and rate confusion? With Cashew, you can compare over 500 loans, apply online with Best Rate Guarantee, and even get cashback. It’s everything the mortgage experience should be — fast, transparent, and fully digital.
2025-09-02T07:28:28.152Z
The Biggest Fear of Every Home Buyer (And How to Eliminate It)
Buying a home is exciting—until the mortgage anxiety sets in. With Cashew’s Best Rate Guarantee, you’ll never wonder if you got the best deal.
2025-09-01T08:05:00.513Z
Falling Home Loan Rates Could Save Singaporeans Thousands — If They Take Action
Home loan rates in Singapore have fallen to nearly half of last year’s levels, yet many homeowners remain stuck on costly packages. Experts warn that failing to refinance could mean losing out on savings of up to $12,000 a year.
2025-08-29T05:23:21.017ZAre You Overpaying on Your Singapore Home Loan? Here’s How to Find Out
Many Singaporeans are still paying over 3% on their home loans, even though today’s best mortgage rates are around 1.7%–2.0%. That difference could cost you tens of thousands over just a few years. Learn how refinancing works in Singapore, what lock-in periods really mean, and how platforms like Cashew help you compare 500+ bank packages instantly — without the paperwork or hassle.
2025-08-20T09:16:00.000Z
Home loans now as low as 1.8%
Singapore’s latest mortgage offers are drifting further south of the 2% mark, especially for loans above SGD 1 million. Analysts expect rates to stay around that level for the next couple of quarters - but they don’t see rates crashing back to the ultra-low levels of the 2010s any time soon.
2025-08-04T05:52:13.150Z
Streamlining Your Home Loan: How Cashew’s Tech Saves You Time and Money
Getting a mortgage doesn’t have to be tedious. Cashew leverages technology to simplify and enhance every step of the home loan process. In this article, we explore how Cashew’s digital platform – from quick loan comparisons and paperless applications to smart tracking and partner integrations – saves you time and money on your mortgage journey. Discover the high-tech, hassle-free way Cashew connects you to the best home loans, making traditional bank-hopping a thing of the past.
2025-05-29T09:35:14.008Z
Cashew’s Mortgage Affordability Calculator: Plan Your Home-Buying Budget Like a Pro
Not sure how much you can afford to spend on a home? Cashew’s Mortgage Affordability Calculator takes the guesswork out. In this article, we showcase our easy-to-use affordability tool that crunches the numbers for you – factoring in your income, debts, interest rates, and Singapore’s lending rules – to give you a clear budget range for your property hunt. Learn how this calculator works, why it’s tailored for Singapore homebuyers, and how to use it to plan your purchase like a pro.
2025-05-29T09:28:29.950Z
Meet Cashew’s AI Mortgage Assistant: Instant 24/7 Answers for Homebuyers
Got a burning question about home loans or buying a house at 10pm? Cashew’s AI Mortgage Assistant has you covered. In this article, we introduce you to Cashew’s AI-powered mortgage chatbot – your round-the-clock guide for home financing queries. Discover how this friendly assistant can help you understand complex jargon, compare loan options, and get personalized insights anytime, anywhere. It’s like having a mortgage expert on call 24/7, courtesy of Cashew’s tech innovations.
2025-05-29T08:57:50.457Z