外国人在新加坡买房
相信在新加坡工作多年/抑或是打算在新加坡生活的你也想了解外国人可不可以在新加坡买房？而买房又是否有限制呢？ 对于一般国外投资者而言，简单的说他们只有两种投资选择， 那就是全岛范围的私人公寓和圣淘沙的有地住宅。 而外国人不能购买的房子包括了建屋局组屋 （HDB）， 闲置的住宅用地， 有地住宅， 根据该规划方案不属于审批性公寓楼，且在地基建设中的有地房产。 然而计划买房的另一个需要探讨的问题又来了， 那就是外国人在新加坡买房子需要准备多少首付呢？外国人在新加坡申请银行房贷的最高额度为75%，...
PR在新加坡购买政府组屋的条件
在新加坡仍有许多持有新加坡永久居民证（简称PR）的外国人都不清楚在新加坡购买政府组屋的条件和限制。所谓的政府组屋其实就是由政府建屋发展局统一建造，属于有津贴的公共住房。 组屋被分为新组屋和二手组屋，但是新组屋只开放给新加坡公民。 若要购买新的组屋，购买人必须有一方是新加坡公民，或两者都是新加坡公民。 若一对夫妻想在新加坡购买政府组屋，...
固定利率和浮动利率的好处与坏处
固定利率和浮动利率的好处与坏处 若您还在为了不知道该选择固定利率还是浮动利率而发愁， 那么希望您看到的这篇文章能帮助您解决烦恼。 固定利率顾名思义就是固定了是跟着那被定下的利率不会跟着市场利率变动而改变， 而浮动利率则会跟着市场的利率变动而跟着上升或下滑。 固定利率的好处与坏处 一般性格较为保守的人都会选择固定利率， 原因是它比较稳定， 顾客不需要担心市场利率上升时需要偿还给银行的款项会跟着上升， 反而只需要固定每个月偿还一开始订下的月供款项即可。 这也能方便顾客计算出偿还的款项内有总共有多少是本金，...
政府组屋优惠贷款与银行贷款的差别
恭喜您选定了您的梦想家园！但选定并未结束，除非您非常非常富有，否则您将需要申请房屋贷款。现在，让我们来了解如何选择适合您的房屋贷款配套吧！ 首先，您需要先知道市场上有哪项房屋贷款能供您选择。在新加坡，您可选择政府组屋优惠贷款（HDB Loan）或者向金融机构申请贷款（bank loan） 政府组屋优惠贷款与银行贷款之间的差别 与名字一样，政府组屋优惠贷款只适与购买政府组屋的人。您必须符合某些条件才能拿到政府组屋优惠贷款。至少一位买家需是新加坡公民并且平均家庭月入不超过$12,000。...
Different types of home loan packages in Singapore
Congratulations, you’ve finally decided on your dream home! But it doesn’t stop there. Chances are, unless you’re really really rich, you’re going to need to take up a mortgage loan. Now, let us walk you through the basics of choosing the best mortgage home package...
Understanding SIBOR Home Loans and Fixed Deposit Home Loans
There are two main types of home loans in Singapore— home loans pegged to the SIBOR rate and home loans pegged to the bank’s fixed deposit rate. But before you decide on which type of home loan to commit to, it is important for you to understand they are all about....
What is Total Debt Servicing Ratio (TDSR) and how does it affect you?
What is TDSR? Total Debt Servicing Ratio (TDSR) is a framework implemented by the Monetary Authority of Singapore to safeguard borrowers against over-borrowing for property purchases. Basically, it limits the amount individuals can spend on monthly mortgage debt...
Why should I refinance my home loan?
Taking on a home loan is probably one of the biggest financial commitment in our lives - one that we spends years paying for. Hence, it is important to understand how refinancing our home loan can help us get the best of the situation and lighten our load. What is...
10 Mortgage Jargon Everyone Should Know Before Taking A Home Loan
Singapore is ranked as one of the world’s highest cost of living and not surprisingly, we are among the top 10 most expensive cities to buy a property. Yet, it seems to be a given that most Singaporeans are home-owners. How is this possible? Well, this is because...