Recruitment - Join Our Team

Buying a Home

What do you need to pay for?   What can you afford?
  What is refinancing?
Buying a home is probably the biggest financial commitment for most Singaporeans. It is a long-term commitment which should be carefully planned upfront. Before you start looking for a home to buy, first work out what you can afford as well as find out what you need to pay for.What you can afford depends on your current income, existing debt obligations and expenses, available savings as well as the loan amount you are eligible for.readMoreBtn   Make sure you buy a home that you can afford in the long run. To work out what you can afford, list the available resources you have to fund the upfront costs, as well as to pay ongoing mortgage payments and other expenses related to owning a home.


  Refinancing is about switching to a new home loan with lower interest rates either with your existing bank or another lender. Refinancing at your existing bank is called re-pricing or conversion. Review your home loan once every few years to see if you can save money by refinancing.Ask your existing bank for re-pricing options, but check with them first whether the lock-in period still applies to your loan. readMoreBtn

Tips for Buyers

Singapore Property: A guide for buyers

For potential buyers looking for a unit to live in

  1. Make a checklist of what you need in a home.
  2. Assess your financial situation
  3. Take note of your future finances
  4. Have your décor concept in mind as you shop for homes
  5. Keep in mind your long term/ retirement plans

For potential owners of Singapore properties for investment purposes

  1. The numbers matters
  2. Freehold or Leasehold
  3. Determine your target renter
  4. General Amenities and proximity to public transportation
  5. Location, Location, Location

Singapore Property : Tips For BuyersRead More


Govt will relook property cooling measures when risks are ‘less or manageable’: Shanmugam

SINGAPORE – The Government will relook the property cooling measures when the risks are “less or manageable”, Home Affairs and Law Minister K Shanmugam said on Wednesday (Feb 3). Mr Shanmugam, who fielded questions at a dialogue with property agents at a conference held by ERA Realty, was asked when the Government would lift property market cooling measures.He would only say: “We have a rough idea of when to change, but that doesn’t mean that we announce it.

“Cooling measures such as the Additional Buyer’s Stamp Duty and Total Debt Servicing Ratio aim to prevent systemic risk in the banking system, avoid the danger of the property market overheating and crashing, and protect Singaporeans, said Mr Shanmugam, who also observed that he was not in a position to make such announcements unilaterally.When the Finance and National Development ministers judge that the risks are “less or manageable”, then they will relook the policies, he added.

PUBLISHED - FEB 3, 2016, 6:45 PM SGT