{"id":4055,"date":"2016-01-06T03:24:17","date_gmt":"2016-01-05T19:24:17","guid":{"rendered":"https:\/\/www.99.co\/blog\/singapore\/?p=4055"},"modified":"2022-07-01T03:41:33","modified_gmt":"2022-06-30T19:41:33","slug":"refinancing-your-home-loan-in-singapore","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/refinancing-your-home-loan-in-singapore\/","title":{"rendered":"Refinancing Your Home Loan in Singapore"},"content":{"rendered":"
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\"refinancing\"<\/a><\/p>\n

~ Refinancing is the most annoying thing every home buyer needs to know<\/em> ~<\/span><\/p>\n

Let\u2019s face it: the biggest problem with property isn\u2019t location, or the view, or the amenities. It\u2019s that houses are crazy expensive in Singapore. <\/span>Never mind a <\/span>Sentosa<\/span> Cove bungalow \u2013 there are shoebox apartments that would bankrupt a James Bond villain. That\u2019s why every home buyer needs to understand the tedious miracle called refinancing:<\/span><\/p>\n

What is refinancing?<\/span><\/strong><\/h3>\n

Most of us need a property loan to buy a house in Singapore; and if you don\u2019t, let me congratulate you on your string of successful bank robberies. For those of us who <\/span>do <\/span>need a loan, you may<\/span> know by now that<\/span> monthly repayments are variable<\/span>*<\/span>.<\/span> Sometimes, interest rates climb to absurd heights, and your property asset threatens to become a liability.<\/span><\/p>\n

This is where refinancing comes in: you can swap your existing property loan for a cheaper loan package. This means shifting your loan to another bank entirely (if you change loan packages but stay with the same bank, that\u2019s called <\/span>repricing<\/span>, not refinancing.)<\/span><\/p>\n

Note that there is no advantage to staying with the same bank when interest rates rise. <\/span><\/p>\n

*<\/span>For more on <\/span>how interest is charged<\/span>, <\/span>like us on Facebook<\/span><\/a>; ou<\/span>r<\/span> follow-up articl<\/span>e will explain the scary <\/span>world of property loans.<\/span><\/p>\n

When should you refinance?<\/span><\/strong><\/h3>\n

Home buyers often refinance under one of the following conditions:<\/span><\/p>\n

    \n
  • They are in the fourth or later year of their property loan<\/span><\/li>\n
  • Refinancing would save more money than it costs<\/span><\/li>\n
  • They are looking for fixed rates when interest rates rise<\/span><\/li>\n
  • They want to optimise profits from resale or rental of the property<\/span><\/li>\n
  • They are unhappy with the bank for non-financial reasons<\/span><\/li>\n<\/ul>\n<\/div>\n

    1. They are in the fourth or later year of servicing their property\u00a0<\/strong><\/h3>\n<\/div>\n
    \n

    Most home loan packages have three years of teaser rates. From the fourth year onward, the interest rate will rise significantly. In fact, the mortgage broker at the bank will probably advise you to refinance on the fourth year.<\/span><\/p>\n

    Now older property buyers may tell you it\u2019s not worth the hassle. Maybe back in 1985 that was true \u2013 in the pre-internet era I\u2019d rather cut off my left foot than manually compare 50+ loan packages \u2013 but these days it\u2019s easy.<\/span><\/p>\n

    Find an online mortgage broker, and they will summarise the cheapest loans for you. Many of them don\u2019t even charge you for their services (they get referral fees from the bank.)<\/span><\/p>\n

    2. Refinancing would save more money than it costs<\/span><\/strong><\/h3>\n

    Refinancing requires legal paperwork. <\/span>The fees for refinancing range from $2,000 to $3,000, because filling in template documents and stapling seven sheets of paper is really difficult to do. <\/span><\/p>\n

    But you need to look at how much you would save per month. Even a slight drop, like a 0.2 per cent fall in interest rates, can mean saving several hundred dollars a month (depending on the size of the outstanding loan.)<\/span><\/p>\n

    If the savings would more than cover the cost of refinancing within two to three years, it is worth refinancing. <\/span><\/p>\n

    3. They are looking for fixed rates when interest rates rise<\/span><\/strong><\/h3>\n

    When interest rates go up, home buyers start looking for fixed rate packages. This places a \u201ccap\u201d on the maximum monthly repayments. Hopefully, at the end of the fixed rate period, interest rates would have gone down again.<\/span><\/p>\n<\/div>\n

    \n
    \n

    Alternatively, some home <\/span>buyers<\/span> hate the idea of fluctuating monthly repayments. They might try to maintain something called a <\/span>semi-fixed <\/span>rate: this is done by <\/span>constantly refinancing between fixed rate packages<\/span>. As such, their monthly repayment is always a predictable amount.<\/span><\/p>\n

    The people who do this tend to be the same ones who clip out and save grocery coupons, and drive their friends nuts by <\/span>splitting restaurant bills to two decimal places.<\/span><\/p>\n

    If that\u2019s your approach to personal finance, you\u2019ll love a semi-fixed rate.<\/span><\/p>\n

    4. They want to optimise profits from resale or rental of the property<\/span><\/strong><\/h3>\n

    Property investors \u2013 particularly landlords \u2013 need to be finicky about refinancing. The more interest they pay on their property loan, the lower their capital gains when they resell. <\/span><\/p>\n

    Short term property investors, who often look to sell within five years, will refinance to ensure they pay the least possible amount for the property loan. <\/span><\/p>\n

    Landlords <\/span>have<\/span> to get rental income that will more than cover the <\/span>monthly repayments. When interest rates rise, they have to either raise the rent (and hope tenants don\u2019t storm off), or find a cheaper loan package.<\/span><\/p>\n

    Of course, refinancing is still secondary to factors like location, facilities, and interior design.\u00a0<\/span><\/p>\n

    5. They are unhappy with the bank for non-financial reasons <\/span><\/strong><\/h3>\n

    Sometimes, refinancing happens because the bank is a mess. Maybe you get late payment notices even if you pay on time, or the repayment process has more steps than the Eiffel Tower. <\/span><\/p>\n

    The good news is you aren\u2019t trapped with that particular bank. You can refinance with an institution that will make your life easier.<\/span><\/p>\n<\/div>\n<\/div>\n

    <\/div>\n
    <\/div>\n

     <\/p>\n","protected":false},"excerpt":{"rendered":"

    ~ Refinancing is the most annoying thing every home buyer needs to know ~ Let\u2019s face it: the biggest problem with property isn\u2019t location, or the view, or the amenities. It\u2019s that houses are crazy expensive in Singapore. Never mind a Sentosa Cove bungalow \u2013 there are shoebox apartments that would bankrupt a James Bond…<\/p>\n","protected":false},"author":21,"featured_media":54111,"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":"\nRefinancing Your Home Loan in Singapore<\/title>\n<meta name=\"description\" content=\"Refinancing is the most annoying thing every home buyer needs to know. 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