{"id":10555,"date":"2017-06-12T03:41:20","date_gmt":"2017-06-11T19:41:20","guid":{"rendered":"https:\/\/www.99.co\/blog\/singapore\/?p=10555"},"modified":"2022-07-01T04:07:12","modified_gmt":"2022-06-30T20:07:12","slug":"4-alternatives-property-loan","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/","title":{"rendered":"4 alternatives to a conventional property loan"},"content":{"rendered":"
<\/div>
\"Different
Source: Pixabay<\/figcaption><\/figure>\n

For most home buyers, the property mortgage loan options available are limited to either a HDB loan, or private bank loan. There are a few lesser-known ways to obtain financing for your property which are worth keeping in mind. While not everyone has access to these, those who do may be able to get a better deal than the average Joe.<\/span><\/p>\n

    \n
  1. \n

    A home equity loan <\/strong><\/h3>\n<\/li>\n<\/ol>\n

    If you have a fully paid up private property, you can consider a home equity loan instead of taking on a conventional mortgage for your second property. Some parents who wish to help their children purchase their first home may consider this option. <\/span><\/p>\n

    A home equity loan, also known as a second mortgage, is a loan taken out against the borrower\u2019s property. Recently, the government passed new regulations that allow borrowers <\/span>to ignore conventional loan curbs<\/span><\/a>, if they leverage only up to 50% of the value of a paid up home. For example:<\/span><\/p>\n

    Say you have a condo worth $2 million which has already been fully paid for. You would now like to purchase another property. You could take out a home equity loan of up to half the value of your paid-up condo, which amounts to $1 million. <\/span><\/p>\n

    The condo is then used as collateral for the loan which has an interest rate lower than that of a regular mortgage (around 1% per annum). In contrast, the average home loan has an interest rate of around 2% per annum while the HDB Concessionary Loan has a rate of 2.6%.<\/span><\/p>\n

    This can be a good option to obtain financing for a house if for any reason, you don\u2019t qualify for or wish to take on a regular mortgage.<\/span><\/p>\n

    However, do remember that <\/span>a fully paid-for property is being used as collateral<\/span><\/i>. If the loan is not repaid, the bank <\/span>can foreclose<\/span><\/i> on the home<\/span><\/i>. We would like to emphasise again that home equity loans are only available for owners of private properties.<\/span><\/p>\n

      \n
    1. \n

      \u00a0Lombard lending through private banks<\/b><\/h3>\n<\/li>\n<\/ol>\n

      If you happen to have a high value collection (such as a cellar-full of wine) you can try approaching a private bank for a Lombard credit. <\/span><\/p>\n

      This allows you to take out a loan against an asset, typically at rates of around 2% to 3% per annum. For example, if you have a collection of watches valued at $5 million, you could take out a loan close to the full value (usually 80%, or $4 million in this case), instead of applying for a mortgage.<\/span><\/p>\n

      While the interest rate is higher or comparable to conventional mortgages, the upside to Lombard lending is that you can monetise assets which would otherwise be lying around \u2013 you can get money out of a classic car collection, a stamp or art collection, so on and so forth. <\/span><\/p>\n

      Another upside is that you\u2019re risking nothing essential \u2013 you won\u2019t be in serious trouble if you lose your stamp collection to a Lombard loan, as opposed to losing your house (see point 1). <\/span><\/p>\n

      The downside is that the value of these assets tend to be volatile. If the value of your classic car collection falls for instance, you will have to make up the difference in a margin call. <\/span><\/p>\n

      Note that you will get different valuations on your assets from different banks (the value of paintings or wine are subjective after all). You may need to approach different banks to secure the loan value you want.<\/span><\/p>\n

        \n
      1. \n

        Securities-backed lending <\/b><\/h3>\n<\/li>\n<\/ol>\n

        This is a similar concept to point 2. However, it works with more conventional assets, such as a portfolio of stocks. You will also be subjected to margin calls, should the value of the portfolio fall below a given level (usually by more than 10 per cent).<\/span><\/p>\n

        Note that the bank will hold the portfolio for the entirety of the loan tenure. You won\u2019t be able to buy or sell assets in the portfolio. At the end of the loan tenure, the portfolio is returned to you (in some cases, the bank will also give you an option to sell the portfolio to them).<\/span><\/p>\n

        The bank will weigh the volatility of the assets, before granting the loan. Many banks won\u2019t give you a loan against a portfolio composed of, say, high risk emerging market bonds.<\/span><\/p>\n

          \n
        1. \n

          Enlist the help of your family members to take on one of the above options on your behalf<\/b><\/h3>\n<\/li>\n<\/ol>\n

          If they\u2019re agreeable and are fully aware of what they\u2019re getting themselves into, you can get your family members to take out one of the loans above, and then pay them back for it. Of course, this means that you\u2019re putting their assets at risk, so do exercise caution and act responsibly. <\/span><\/p>\n

          If you have no other way of securing a mortgage, this can provide the financing you need.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

          For most home buyers, the property mortgage loan options available are limited to either a HDB loan, or private bank loan. There are a few lesser-known ways to obtain financing for your property which are worth keeping in mind. While not everyone has access to these, those who do may be able to get a…<\/p>\n","protected":false},"author":21,"featured_media":54764,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","_lmt_disableupdate":"","_lmt_disable":"","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[53593,53589,57131],"tags":[],"persona":[],"class_list":{"2":"type-post","10":"entry","11":"has-post-thumbnail"},"acf":[],"yoast_head":"\n4 alternatives to a conventional property loan - 99.co<\/title>\n<meta name=\"description\" content=\"Are you thinking of buying property, but are unsure what loan you should take? Here are some alternatives to the conventional mortgage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"4 alternatives to a conventional property loan\" \/>\n<meta property=\"og:description\" content=\"Are you thinking of buying property, but are unsure what loan you should take? Here are some alternatives to the conventional mortgage.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/99dotco\/\" \/>\n<meta property=\"article:published_time\" content=\"2017-06-11T19:41:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-30T20:07:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/07\/house-construction-1005491_1280.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"835\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ryan Ong\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@99dotco\" \/>\n<meta name=\"twitter:site\" content=\"@99dotco\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ryan Ong\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/\"},\"author\":{\"name\":\"Ryan Ong\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/4ad00425f4de904205396b4c8b79f2a4\"},\"headline\":\"4 alternatives to a conventional property loan\",\"datePublished\":\"2017-06-11T19:41:20+00:00\",\"dateModified\":\"2022-06-30T20:07:12+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/\"},\"wordCount\":805,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/07\/house-construction-1005491_1280.jpg\",\"articleSection\":[\"Financial News\",\"Home & Living\",\"Property News\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/#respond\"]}],\"copyrightYear\":\"2017\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/\",\"url\":\"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/\",\"name\":\"4 alternatives to a conventional property loan - 99.co\",\"isPartOf\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/07\/house-construction-1005491_1280.jpg\",\"datePublished\":\"2017-06-11T19:41:20+00:00\",\"dateModified\":\"2022-06-30T20:07:12+00:00\",\"description\":\"Are you thinking of buying property, but are unsure what loan you should take? Here are some alternatives to the conventional mortgage.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/#primaryimage\",\"url\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/07\/house-construction-1005491_1280.jpg\",\"contentUrl\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/07\/house-construction-1005491_1280.jpg\",\"width\":1280,\"height\":835},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.99.co\/singapore\/insider\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Financial News\",\"item\":\"https:\/\/www.99.co\/singapore\/insider\/financial-news\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"4 alternatives to a conventional property loan\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#website\",\"url\":\"https:\/\/www.99.co\/singapore\/insider\/\",\"name\":\"\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.99.co\/singapore\/insider\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\",\"name\":\"99.co\",\"url\":\"https:\/\/www.99.co\/singapore\/insider\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/08\/nnco_logo.webp\",\"contentUrl\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/08\/nnco_logo.webp\",\"width\":192,\"height\":72,\"caption\":\"99.co\"},\"image\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/99dotco\/\",\"https:\/\/x.com\/99dotco\",\"http:\/\/instagram.com\/99.co\",\"https:\/\/www.linkedin.com\/company\/3625176\",\"http:\/\/pinterest.com\/99dotco\/\",\"https:\/\/www.youtube.com\/channel\/UCTFNrxXF9L1XZUlZNq07VKA\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/4ad00425f4de904205396b4c8b79f2a4\",\"name\":\"Ryan Ong\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/e3d71f7d1c36cbde6f16b54d3c050e3fd3cd864e6540be21a82c399b04bf1e5c?s=96&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/e3d71f7d1c36cbde6f16b54d3c050e3fd3cd864e6540be21a82c399b04bf1e5c?s=96&r=g\",\"caption\":\"Ryan Ong\"},\"sameAs\":[\"https:\/\/www.99.co\/blog\/singapore\/\"],\"url\":\"https:\/\/www.99.co\/singapore\/insider\/author\/ryan\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"4 alternatives to a conventional property loan - 99.co","description":"Are you thinking of buying property, but are unsure what loan you should take? Here are some alternatives to the conventional mortgage.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/","og_locale":"en_US","og_type":"article","og_title":"4 alternatives to a conventional property loan","og_description":"Are you thinking of buying property, but are unsure what loan you should take? Here are some alternatives to the conventional mortgage.","og_url":"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/","article_publisher":"https:\/\/www.facebook.com\/99dotco\/","article_published_time":"2017-06-11T19:41:20+00:00","article_modified_time":"2022-06-30T20:07:12+00:00","og_image":[{"width":1280,"height":835,"url":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/07\/house-construction-1005491_1280.jpg","type":"image\/jpeg"}],"author":"Ryan Ong","twitter_card":"summary_large_image","twitter_creator":"@99dotco","twitter_site":"@99dotco","twitter_misc":{"Written by":"Ryan Ong","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/#article","isPartOf":{"@id":"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/"},"author":{"name":"Ryan Ong","@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/4ad00425f4de904205396b4c8b79f2a4"},"headline":"4 alternatives to a conventional property loan","datePublished":"2017-06-11T19:41:20+00:00","dateModified":"2022-06-30T20:07:12+00:00","mainEntityOfPage":{"@id":"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/"},"wordCount":805,"commentCount":0,"publisher":{"@id":"https:\/\/www.99.co\/singapore\/insider\/#organization"},"image":{"@id":"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/#primaryimage"},"thumbnailUrl":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/07\/house-construction-1005491_1280.jpg","articleSection":["Financial News","Home & Living","Property News"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/#respond"]}],"copyrightYear":"2017","copyrightHolder":{"@id":"https:\/\/www.99.co\/singapore\/insider\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/","url":"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/","name":"4 alternatives to a conventional property loan - 99.co","isPartOf":{"@id":"https:\/\/www.99.co\/singapore\/insider\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/#primaryimage"},"image":{"@id":"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/#primaryimage"},"thumbnailUrl":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/07\/house-construction-1005491_1280.jpg","datePublished":"2017-06-11T19:41:20+00:00","dateModified":"2022-06-30T20:07:12+00:00","description":"Are you thinking of buying property, but are unsure what loan you should take? Here are some alternatives to the conventional mortgage.","breadcrumb":{"@id":"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/#primaryimage","url":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/07\/house-construction-1005491_1280.jpg","contentUrl":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/07\/house-construction-1005491_1280.jpg","width":1280,"height":835},{"@type":"BreadcrumbList","@id":"https:\/\/www.99.co\/singapore\/insider\/4-alternatives-property-loan\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.99.co\/singapore\/insider\/"},{"@type":"ListItem","position":2,"name":"Financial News","item":"https:\/\/www.99.co\/singapore\/insider\/financial-news\/"},{"@type":"ListItem","position":3,"name":"4 alternatives to a conventional property loan"}]},{"@type":"WebSite","@id":"https:\/\/www.99.co\/singapore\/insider\/#website","url":"https:\/\/www.99.co\/singapore\/insider\/","name":"","description":"","publisher":{"@id":"https:\/\/www.99.co\/singapore\/insider\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.99.co\/singapore\/insider\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.99.co\/singapore\/insider\/#organization","name":"99.co","url":"https:\/\/www.99.co\/singapore\/insider\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/logo\/image\/","url":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/08\/nnco_logo.webp","contentUrl":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/08\/nnco_logo.webp","width":192,"height":72,"caption":"99.co"},"image":{"@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/99dotco\/","https:\/\/x.com\/99dotco","http:\/\/instagram.com\/99.co","https:\/\/www.linkedin.com\/company\/3625176","http:\/\/pinterest.com\/99dotco\/","https:\/\/www.youtube.com\/channel\/UCTFNrxXF9L1XZUlZNq07VKA"]},{"@type":"Person","@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/4ad00425f4de904205396b4c8b79f2a4","name":"Ryan Ong","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/e3d71f7d1c36cbde6f16b54d3c050e3fd3cd864e6540be21a82c399b04bf1e5c?s=96&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/e3d71f7d1c36cbde6f16b54d3c050e3fd3cd864e6540be21a82c399b04bf1e5c?s=96&r=g","caption":"Ryan Ong"},"sameAs":["https:\/\/www.99.co\/blog\/singapore\/"],"url":"https:\/\/www.99.co\/singapore\/insider\/author\/ryan\/"}]}},"modified_by":"Amanda Tan","_links":{"self":[{"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/posts\/10555","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/comments?post=10555"}],"version-history":[{"count":0,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/posts\/10555\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/media\/54764"}],"wp:attachment":[{"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/media?parent=10555"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/categories?post=10555"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/tags?post=10555"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/persona?post=10555"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}