What is the Mortgage Servicing Ratio and Total Debt Servicing Ratio (TDSR)?
In the process of finding the best home loan package? We understand how some mortgage terms can be confusing especially for first-timers. If you're taking a bank loan for your property purchase, there are key terms to understand when navigating the financial planning process.
Read More ›
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.
Table of ContentsRead More ›
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...
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...
Guide to HDB Loan Versus Bank Loan: 5 Crucial Factors to Help You Decide!
If you're planning on buying a home, securing the right loan is one of the most important steps you'll take. But how do you choose? What are the factors to consider between a loan from the Housing Development Board (HDB) and one from the bank?
We'll work you through the pros and con...
MAS Waives TDSR Limits for Deferred Mortgage Payments
What Housing Loan Tenure Should You Choose When Buying Your First Home?
Adulting just got real the moment you apply for your first home loan.
It can be quite overwhelming to learn all the mortgage jargon, housing loan conditions, and legal requirements. One common scenario is that you may think you are paying less, but the fact is, it's mostly interest....
Should You Borrow More? Total Debt Servicing Ratio and Your Housing Loan
How much will you get for your housing loan? For aspiring homeowners, the answer is a crucial part of financial planning. The loan amount can be a deal-breaker for a lot of first-time homebuyers.
Often, you are not quite sure if it's better to apply for a smaller or bigger loan. That's...
+65 9755 9283 
hello@ohmyhome.com 
