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When buying an HDB flat in Singapore, homeowners usually finance the purchase using either an HDB housing loan or a bank housing loan. While both serve the same purpose, they operate under very different systems, which affects how they work in practice.
HDB Loan vs Bank Loan in Singapore Read More »
An IPA is the only credible benchmark of affordability before signing an Option to Purchase (OTP). With tight OTP timelines and strong competition in the market, buyers who secure an IPA are able to act decisively and avoid costly financing surprises.
What Is an In-Principle Approval (IPA) for a Home Loan in Singapore? Read More »
Build-To-Order (BTO) flats are the most common entry point for Singaporean households into property ownership. Managed by the Housing & Development Board (HDB), these flats are newly constructed and sold below market prices, subject to eligibility conditions.
How to Buy a BTO Flat in Singapore: Step-by-Step Guide (2026) Read More »
A bridging loan is a short-term, temporary loan designed to “bridge” the financial gap between two property transactions. For HDB owners, it allows you to secure the downpayment for your new condo while waiting for the sales proceeds from your existing HDB flat.
Bridging Loans Guide for HDB to Condo Upgraders Read More »
Unlock your dream home with CPF Housing Grants. Learn about EHG, PHG, and HDB grants for singles to reduce costs. Maximise your homeownership potential!
Your Guide to CPF Housing Grants in Singapore Read More »
What is Loan-to-Value (LTV) in Singapore? Discover how this ratio impacts your borrowing power & downpayment for HDB, private properties, and ECs.
Understanding the Loan-to-Value (LTV) Ratio in Singapore Read More »
Learn about inheritance law in Singapore, and what happens when you inherit a home with an existing mortgage or home loan.
Property Inheritance in Singapore: Tax & Mortgage Choices Read More »
Learn about financing your second home in Singapore, including property taxes, loans, ABSD rates and Seller’s Stamp Duty (SSD) updates.
Investing in a Second Home in Singapore: ABSD and Financing Read More »
Facing repayment difficulties? This guide explains your options, from communicating with your lender to refinancing. Get advice on mortgage loan.
Understanding Your Mortgage Repayment Options in Singapore Read More »
Demystify Singapore’s property cooling measures. Learn how ABSD, LTV, TDSR, and MSR affect buyers and sellers. Get expert advice for navigating the market.
Impact of Property Cooling Measures on Singapore’s Market Read More »
When securing a home loan in Singapore, first-time homebuyers have two primary pathways: approaching a bank directly or engaging a mortgage broker. The optimal choice depends on the buyer’s individual circumstances, knowledge of the market, and personal preferences.
Bank vs Mortgage Broker in Singapore – Which to Choose? Read More »