Tag: CPF

Property jargon of the day: Cash over valuation

With the recent surge in home resale prices, is it possible to avoid high cash over valuations?

As we see higher HDB resale prices over the past few quarters, cash over valuation is also back in the spotlight. While people are willing to pay more for resale flats, there’s also a growing number of people who find them becoming more unaffordable. What is cash over valuation (COV)?  Cash over valuation, or COV in…

silver housing bonus hdb cpf retirement

Is HDB’s Silver Housing Bonus scheme worth considering?

As our population ages, more and more Singaporeans are approaching their golden years. By helping them leverage the value of their existing property through schemes like Silver Housing Bonus (SHB) and Lease Buyback Scheme (LBS), the government aims to help our seniors supplement their retirement income. But is the Silver Housing Bonus scheme worth considering?…

hdb home loan rate cpf interest

Why on earth is the HDB Home Loan Rate pegged to CPF Interest Rate? Here’s the answer.

If there’s one thing Singaporeans don’t complain enough about paying more money for, it’s the interest for their CPF-pegged HDB mortgage. Most first-time homeowners, especially BTO applicants, choose to take the HDB Concessionary Loan over bank loans, despite the fact that the HDB home loan rate has now been higher than the average bank home…

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