{"id":3350,"date":"2015-11-27T03:38:39","date_gmt":"2015-11-26T19:38:39","guid":{"rendered":"https:\/\/www.99.co\/blog\/singapore\/?p=3350"},"modified":"2022-07-01T03:37:18","modified_gmt":"2022-06-30T19:37:18","slug":"rent-or-buy-home-in-singapore","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/rent-or-buy-home-in-singapore\/","title":{"rendered":"Rent or buy home in Singapore?"},"content":{"rendered":"
<\/div>

Rent or buy home in Singapore?\u00a0<\/span>We understand your confusion. There is a certain <\/span>prestige in <\/span>owning a<\/span> Singapore<\/span> home as it gives<\/span> young adults, in particular, <\/span>a <\/span>stamp <\/span>of<\/span> stature and<\/span> independence. Plus,<\/span> it is <\/span>exciting to<\/span> <\/span>shop<\/span> for furniture to decorate your <\/span>snazzy <\/span>new abode. <\/span>In this piece, we go against the grain and delve in<\/span>to the pros of renting (even in cases where <\/span>buying is <\/span>a possibility<\/span>).<\/span><\/p>\n

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Singapore has one of the highest home ownership rates in t<\/span>he world at 90.3 per cent<\/span>, <\/span>according to official data taken in 2014<\/span><\/a>. <\/span>Still, t<\/span>he reality of having a scarce amount of land means that home prices are among the highest too, despite <\/span>being <\/span>tamed<\/span> by the <\/span>government\u2019s cooling measures. <\/span>To own<\/span> homes, many residents<\/span> still<\/span> take up a hefty loan <\/span>that takes <\/span>years to pay<\/span> <\/span>off. <\/span><\/p>\n

Now, let’s see\u00a0some points which will help you decide whether to rent or buy home in Singapore<\/h2>\n

Housing loan free<\/span><\/strong><\/h3>\n

Renters do not hav<\/span>e the stress of <\/span>a mammoth housing loan at the back of their minds. Money for rent can be seen as a monthly expense rather than a long-term commitment. This is a relief, especially if the said renters have already taken other loans for a car or further studies. Committing to a one- or two-year lease is a less pressurising step. So, rent or buy home in Singapore?<\/span><\/p>\n

N<\/span>o r<\/span>enovations<\/span>, n<\/span>o fuss<\/span><\/strong><\/h3>\n

While renovating a new flat and buying furniture sounds like a fun activity, it is also an added expense. <\/span>Getting<\/span> utilities up<\/span> and running<\/span> <\/span>also takes<\/span> time and money. Rented apartments<\/span> are often fully-furnished, <\/span>ma<\/span>king moving in possible at <\/span>short notice.<\/span><\/p>\n

Renters will also have access to amenities <\/span>of a<\/span> property \u2013<\/span> <\/span>such <\/span>as the <\/span>swimmin<\/span>g pool and<\/span> gyms of condominiums \u2013 at no extra charge. This is<\/span> a cool plus<\/span> because tenants may be able to afford to rent<\/span> a room in a condominium, but purchasing<\/span> an entire condominium unit<\/span> is not within their means<\/span>.<\/span><\/p>\n<\/div>\n<\/div>\n

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In addition, t<\/span>enancy agreements typically state that major repair costs will be borne<\/span> by the landlord<\/span>. Renters usually<\/span> take responsibility for the cost of minor repairs<\/span>, giving them a peace of mind with regards to keeping to a monthly budget. So, rent or buy home in Singapore?<\/span><\/p>\n

Flexibility to move<\/span><\/strong><\/h3>\n

Renting<\/span> comes<\/span> with<\/span>the<\/span> freedom<\/span> of moving<\/span> to a new place<\/span> once a lease expires. If a lease <\/span>is still in play, tenants<\/span> will have to forfeit months<\/span> of rent. <\/span><\/p>\n

This<\/span> flexibility gives them<\/span> a chance to \u201ctry out\u201d living in a new neighbourhood, or <\/span>rooming<\/span>with a friend or partner fo<\/span>r the first time. I<\/span>t is easier to drop<\/span> the idea and move on to another living arrangement if things don\u2019t work out. Buying roots occupants in some way, as most spend years paying off a housing loan. <\/span><\/p>\n

There<\/span> is<\/span> also<\/span> a certain allure in<\/span> being<\/span> able<\/span> to keep an eye <\/span>out for the perfect overseas job, or having ability to downsize to a smaller apartment if circumstances change.<\/span><\/p>\n

\"flexibility<\/p>\n

While renting does have <\/span>advantages, <\/span>it is not<\/span> like<\/span> an asse<\/span>t of a purchased home that can<\/span> appreciate over t<\/span>ime. Rent rates are<\/span> also subject to fluctuations <\/span>in housing prices. So, now, we hope you know better, rent or buy home in Singapore?<\/span><\/p>\n

If you found this article helpful, 99.co recommends Here’s why renting in Singapore isn’t as expensive as you think<\/a> and Renting vs buying property in Singapore: Which is better for you<\/a>.<\/p>\n<\/div>\n

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Looking for a property? Find your dream home on Singapore\u2019s largest\u00a0property portal 99.co<\/a>!<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Rent or buy home in Singapore?\u00a0We understand your confusion. There is a certain prestige in owning a Singapore home as it gives young adults, in particular, a stamp of stature and independence. Plus, it is exciting to shop for furniture to decorate your snazzy new abode. In this piece, we go against the grain and…<\/p>\n","protected":false},"author":17,"featured_media":54052,"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":[53589,57131,53590],"tags":[53879,53621,53640],"persona":[],"class_list":{"2":"type-post","13":"entry","14":"has-post-thumbnail"},"acf":[],"yoast_head":"\nRent or buy home in Singapore? | 99.co<\/title>\n<meta name=\"description\" content=\"Are you confused whether you should rent or buy a home in Singapore? 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