Tag: sibor

Two people arguing over some documents

MAS Begins Transition from SOR to SORA

The Monetary Authority of Singapore (MAS) is making the big pivot from SOR to SORA. For those of you with SOR loans (to buy property), this may interest you. For the rest, you can talk about this in a coffee shop and look smart as hell. What is this “SOR” thing anyway? The Swap Offer…

Property jargon: Cash-out refinancing

5 Common Misconceptions about FHR Home Loans in 2019

Fixed-Deposit Home Rate (FHR) loans have overtaken the traditional SIBOR loan. Some of this though, is due to aggressive promotion by brokers and banks. This has resulted in some common misconceptions we’d better address: 1. FHR loans are still affected by rising interest rates, and are not substitutes for fixed rate loans. Some borrowers are…

Woman between two big question marks

Should You Choose an FHR Loan or a SIBOR Loan?

There are two main loan types on the market today: Fixed Deposit Home Rate (FHR) loans, and Singapore Interbank Offered Rate (SIBOR) loans. And they sure get technical – when mortgage bankers start explaining it, the average person last 10 minutes before the migraine sets in. Don’t worry though, we’re here to help you decide…

Property jargon: Refinancing

4 reasons why refinancing using the cheapest home loan isn’t always the best move

Most Singaporeans have a love / hate relationship with refinancing. Some obsesses over saving a few bucks a month, while others don’t care if they’re paying $70 extra; they’d rather gargle with acid than hear the banker go on about SIBOR rates. To save you the trouble, here’s a general list of circumstances where you…

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