All Articles
Refinancing vs. Repricing: How to Save on Your Mortgage
When your home loan’s interest rate is no longer competitive, you have two main options – refinance with a different bank, or reprice with your existing bank. What’s the difference, and which will save you more? In this article, we break down refinancing vs. repricing, comparing the pros, cons, and cost savings of each. By understanding these two routes, you can choose the best strategy to reduce your mortgage interest and keep more money in your pocket.
2025-05-29T08:54:29.754Z
Step-by-Step Guide to Refinancing Your Home Loan
Refinancing your mortgage might sound complicated, but it’s simpler than you think – especially with the right guidance. In this step-by-step guide, we’ll walk you through the entire refinancing process in Singapore. From reviewing your current loan and comparing offers, to applying and completing the legal work, you’ll see that refinancing is a straightforward way to save money. Follow these steps to confidently navigate your home loan refinance and snag a better deal.
2025-05-29T08:52:47.402Z
Refinancing Your Home Loan: When Does It Make Sense?
Interest rates and personal finances change over time – so the home loan you started with might not remain the best deal. In this article, we’ll explore when and why refinancing your home loan makes sense in Singapore. Learn the key scenarios where you should consider refinancing, such as when interest rates drop or when your lock-in ends, and how to evaluate the potential savings. Armed with this knowledge, you can save money and pay off your home loan sooner.
2025-05-29T08:50:20.703Z
How to Choose the Best Home Loan in Singapore (Step-by-Step)
With so many banks and loan packages available, how do you choose the best home loan for your needs? This step-by-step guide walks you through the process of selecting a home loan in Singapore. We’ll cover comparing interest rates, understanding loan features (like lock-in and refinancing options), considering customer service, and leveraging tools that make mortgage shopping easier. By following these steps, you’ll feel confident that you’ve found the home loan that truly suits you best.
2025-05-29T08:45:52.487Z
Singapore Home Loans FAQ: 10 Common Questions Answered
Confused about how home loans work in Singapore? You’re not alone. In this FAQ, we answer ten of the most frequently asked questions that new homebuyers have about mortgages. From HDB vs bank loans to using CPF and understanding terms like LTV and TDSR, we’ve got you covered. Dive in to boost your mortgage knowledge and borrow with confidence.
2025-05-29T08:43:31.031Z
Fixed vs. Floating Rates: Which Mortgage is Right for You?
Should you choose a fixed or floating interest rate for your home loan? This is one of the biggest decisions for mortgage borrowers. In this article, we’ll explain how fixed and floating rate home loans work in Singapore, the pros and cons of each, and how to decide which fits your financial situation best. By the end, you’ll be equipped to make a savvy choice and potentially save thousands on interest.
2025-05-29T08:41:06.249Z
Beyond the Downpayment: Planning for the Hidden Costs of Home Buying
It’s easy to spend all your energy saving for a downpayment, but the costs of buying a home don’t end there. In this article, we shine a light on the “hidden” costs of purchasing a property in Singapore – from stamp duties and legal fees to renovations and maintenance. By planning for these expenses upfront, you’ll ensure your home purchase remains financially comfortable and free of unwelcome surprises.
2025-05-29T08:39:14.918Z
Saving for Your Downpayment: Using CPF and Cash to Buy a Home
The downpayment is often the biggest hurdle for homebuyers in Singapore. This article explains how much you need for a downpayment and smart ways to save for it. We’ll cover the roles of cash vs. CPF savings, strategies to build your downpayment fund faster, and tips on tapping CPF housing grants – all to help you clear the downpayment hurdle and get the keys to your new home.
2025-05-29T08:37:29.609Z
How Much Home Can You Afford in Singapore? Calculating Your Home-Buying Budget
One of the first questions every hopeful homeowner should ask is: “How much home can I afford?” This article will guide you through calculating a realistic home-buying budget in Singapore. We’ll cover income and debt considerations, key lending rules like TDSR/MSR, and how to factor in your savings and CPF – so you can shop for a home with confidence that it fits your finances.
2025-05-29T08:35:38.203Z
5 Common Mistakes First-Time Homebuyers Make in Singapore (And How to Avoid Them)
First-time buyers often stumble into the same pitfalls – from underestimating costs to rushing into the wrong loan. This article highlights five of the most common mistakes new homebuyers make in Singapore, and offers practical tips on how you can avoid them. Learn from others’ experiences so your own home-buying journey can be smoother and stress-free.
2025-05-29T08:33:22.917Z
HDB vs. Condo: How to Choose Your First Home Wisely
Should you buy an HDB flat or stretch for a private condo? Choosing your first home type is a big decision that impacts your lifestyle and finances. In this article, we compare HDB and private condominiums across key factors – eligibility, cost, grants, and more – to help you decide which option is the best fit for your needs and budget.
2025-05-29T08:30:56.286Z
Buying Your First Home in Singapore: A Step-by-Step Guide for a Smooth Purchase
Buying your first home can be exciting and overwhelming at the same time. In this step-by-step guide, we break down the entire home-buying process in Singapore – from figuring out your budget to getting your keys – so you can navigate your first purchase with confidence and minimal stress.
2025-05-29T08:23:47.913Z