Singapore Property Blog
Finance
49 கட்டுரைs குறியிடப்பட்டது "Finance"
HDB Resale Levy for Second-Time Buyers
The HDB resale levy is a payment second-time buyers make when they buy a second subsidised HDB flat or EC, to reduce the housing subsidy enjoyed twice
Decoupling: Restructuring Ownership to Save ABSD
Decoupling is the restructuring of a jointly owned property so that one co-owner buys out the other's share, leaving a single owner. This frees the ex
Fixed vs Floating Home Loan Rates in Singapore
A fixed-rate home loan locks your interest rate for a set period (commonly 1–3 years), so your monthly repayment stays constant regardless of market m
Bridging Loans for Property Upgraders
A bridging loan is a short-term loan (typically up to 6 months) that covers the funding gap when you buy a new home before receiving the sale proceeds
BUC: Buying a Property Under Construction
BUC stands for Building Under Construction — a property, usually a new launch condo, that has been sold but not yet completed (pre-TOP). BUC purchases
EHG: Enhanced CPF Housing Grant Explained
The Enhanced CPF Housing Grant (EHG) is a housing subsidy for eligible first-time HDB buyers, replacing the older Additional and Special Housing Grant
CPF Accrued Interest: The Hidden Cost of Using CPF
CPF accrued interest is the interest that would have been earned on CPF funds used for property purchase, had the money remained in the CPF OA (curren
IPA: In-Principle Approval for Your Home Loan
An In-Principle Approval (IPA), sometimes called Approval-in-Principle (AIP), is a non-binding indication from a bank of how much home loan you qualif
IRR: Internal Rate of Return for Property Investors
Internal Rate of Return (IRR) is the annualised return that accounts for both rental income and capital appreciation over the entire holding period. I
Cash-on-Cash Return: Measuring Your Cash Investment
Cash-on-Cash Return is the annual pre-tax cash flow divided by the total cash invested (primarily your down payment and acquisition costs). It measure
SSD Explained: Seller's Stamp Duty and Holding Periods
Seller's Stamp Duty (SSD) applies when you sell a property within 3 years of purchase. The rates are 12% if sold in the first year, 8% in the second y
Singapore Cooling Measures: History and Current Rates
Cooling measures are government policies designed to moderate the property market and prevent speculative bubbles. Key measures include ABSD rate hike
Property Expense Ratio: Rental Costs and Deductions
The percentage of gross rent set aside for vacancy periods, repairs, agent fees, and other recurring costs. A typical expense ratio is 10-20% of gross
Capital Gains and Appreciation: How Values Grow
The estimated annual increase in property value, expressed as a percentage. Historical Singapore condo appreciation has averaged around 2-4% per year
BSD Explained: Buyer's Stamp Duty Rates in Singapore
Buyer's Stamp Duty (BSD) is a progressive tax on all property purchases in Singapore. Rates range from 1% on the first $180,000 to 6% on value above $
Progressive vs Deferred Payment: New Launch Options
The Progressive Payment Scheme is the standard payment method for new launch properties in Singapore. Buyers pay in stages as construction reaches mil
SORA: Singapore Overnight Rate Average Explained
The Singapore Overnight Rate Average (SORA) is the volume-weighted average rate of unsecured overnight interbank Singapore Dollar cash transactions, p
How to Calculate HDB Resale Levy
If you have previously bought a subsidised HDB flat, you must pay a resale levy when buying a second subsidised flat. Calculate the exact levy amount
How to Use the Mortgage Recommender
Answer a few simple questions about your income, risk appetite, and property plans and get a personalised mortgage recommendation. The wizard analyses
How to Calculate Cash Proceeds from Selling
Find out exactly how much cash you walk away with after selling your property. Factors in outstanding mortgage, CPF refund (principal + accrued intere