That’s probably the second thing that many first-time homeowners are wondering, after figuring out where their first home should be. Overwhelmed with all the jargon and fine print? Don’t worry, we’re here to break down the differences between HDB loans and bank loans. Key points about HDB loans vs bank loans HDB loans require a…

Buying a resale unit is like going to a new restaurant with friends. You stare at the menu, and try to guess what’s good. When it finally arrives, you see what everyone else has and wish you’d ordered that.  We’re going to try to take away the sting of regret, with a few quick tips:…

It’s official: the High-Speed Rail (HSR) project that was originally planned to run from Jurong in Singapore to Kuala Lumpur has been terminated. The question among property buyers and owners in the west is: Will the lack of HSR take a chunk out of Jurong property values? Or, do Singaporeans have nothing to worry about?…

You’ve already spent donkey years footing the housing loan, and now you’re a proud owner of a fully-paid up private property. In this situation, it’d be crazy if you went to take out another mortgage on that property, right? Actually, it might not be. Depending on your situation, there may be times when it makes…

With Real Estate Investment Trusts (REITs) in Singapore now looking good value for money after an initial Covid-19 drop in March 2020, investors have started putting money into them again. And they would be encouraged by measures in place to help locally-listed REITs ride the storm. In contrast, actual property prices in Singapore has only…

You can engage as many real estate agents you want, and that’s just what some people do when trying to sell or rent out their properties. It’s like having a football team with 20 players instead of 11: more people, more chances to score right? Actually, it’s not quite that simple. Here’s what you need…

Property is Singaporeans’ number one investment. It’s so hot that if the government has to impose another cooling measure, it will probably involve spraying property buyers with a fire hose; and even that may not disperse the crowd at a showflat. But how did property become arguably the #1 the Singaporean dream? As we approach…

Putting your money in a property or stock investment depends on your financial situation and goals, as well as your personal preference – there isn’t a clear-cut one size fits all answer. However, there are some key differences to note, before you make your choice: Key differences between property and stock investments 1. Liquidity of…

Before there was such a thing as BTO flats, blocks of HDB flats were built BEFORE they were sold. Sometime in the 1990s, there was a massive oversupply of flats in Woodlands and Yishun. In response to the oversupply, HDB combined the many of the unsold units into jumbo flats, effectively halving the number of…

99 years, 999 years, and Freehold: Defining the terms A freehold property can be held by the owner indefinitely. A 99 year leasehold property reverts back to the state, upon the expiry of its lease. A holdover from the Colonial era are properties with 999 year leases. This is, for all intents and purposes, similar…