What is the Mortgage Servicing Ratio and Total Debt Servicing Ratio (TDSR)?
Key Takeaways
MSR (Mortgage Servicing Ratio) is capped at 30% of gross monthly income and applies only to HDB flats and Executive Condominiums (ECs).TDSR (Total Debt Servicing Ratio)Read More ›
3 Ways to Get a Higher Home Loan Amid Increasing Interest Rates
There's been a few property moments that have impacted homeowners. First is the 15-month wait-out period haunting some Private Property owners, which prevents them from selling their home for a HDB flat immediately after. We talked about this cooling measure here.
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6 Steps to Apply a Home Loan for Foreigners in Singapore
Even with its burgeoning private property prices, Singapore has managed to constantly attract an influx of foreigners to seek greener pastures in our little red dot. But as a foreigner looking to settle down in Singapore, applying for a home loan can be a rather tedious process. Do not worry t...
6 Exemptions from Seller’s Stamp Duty
The Seller's Stamp Duty (SSD) is an unavoidable cost when it comes to selling a property, but fret not! You might be surprised to know that there are exemptions from it. For example, you will not have to pay the SSD when selling your flat, if you meet the Minimum Occupation Period (MOP) befor...
3 Things You Need to Know if You Are Buying a Second Property
Most Singaporeans own at least one property, giving Singapore one of the highest rates of homeownership in the world. It is also not uncommon for homeowners to buy more than one property as a form of investment, generating rental income from it.
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Home Loan 101: What Should You Do If Your Home Loan Application Was Rejected?
Rejected from a home loan recently? Whether as a first-time or second-time homebuyer, you may be feeling discouraged from the experience. Applying for a home loan has increasingly become more challenging with the recent Monetary Authority of Singapore (MAS) cooling measures taking place, with banks becoming stricter when ...
Buyer’s Stamp Duty (BSD) and Additional Buyer’s Stamp Duty (ABSD) in Singapore: A Comprehensive Guide
This article is intended for informational purposes only and should not be considered financial or tax advice. Please consult with a qualified professional for personalized guidance.
Singapore's property market has long been attractive to both local and f...
Loan Tenure, Loan to Value (LTV) & Income Weighted Average Age (IWAA) Explained
Finding a home is tough, but figuring out how to pay for one is tougher. Unlike most day-to-day purchases, the initial price tag on your home only gives you an idea of how much it will ultimately cost.
Most people pay for their home loans over the course of 20 to 30 years, aft...
Housing Loans Offered by Philippine Banks in 2023
When it comes to buying properties, cash is king. If you’re privileged enough to have the money upfront, you can have virtually any property your heart desires. Meanwhile, the rest of us hardworking mortals must count on a housing loan to acquire our dream properites. For the first-time homeo...
Free and Exclusive: Singlife’s One-Year Home Contents Insurance
No purchase required – Non-renewable – No need to cancel
A home is one of the most expensive purchases you’ll ever make in your lifetime. You may spend time, money, and effort to find the best interior designer, furniture, and appliances to create a haven that you can look forward...
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