39 results for 'ltv'
3 Oct 2022 • Home Financing
New Property Cooling Measures (2022): Higher Interest Rate Floors, HDB LTV Lowered to 80%, and New 15-Month Wait-out Period for Downgraders
The government announced new property cooling measures, effective from 30 Sep 2022 onwards. Read about the new property curbs here.
30 Sep 2022 • Home Financing
Loan-To-Value Ratio (LTV) For Singapore Property in 2023: A Complete Guide
The Loan-to-Value ratio (LTV) determines how much you can borrow from HDB or banks when you take a property loan. The September 2022 property cooling measures in Singapore saw the LTV for HDB-granted loans lowered to 80%.
14 Sep 2022 • Buying
Singapore Property Cooling Measures 2022: Why Are Some Buyers Looking At More Expensive Properties Now?
The Singapore property cooling measures announced on September 2022 saw LTV limits and higher TDSR and Mortgage Servicing Ratio, making it harder to buy property. But according to the latest Singapore Consumer Sentiment Study H2 2022, instead of postponing or adjusting their budget, some buyers are considering buying more expensive properties. Why? Find out.
1 Sep 2022 • Buying
Owning an HDB and Condo at the Same Time in Singapore: 6 Factors to Consider
Can an HDB owner buy a private property? Can condo owners to buy an HDB flat? We trawled through Government websites like IRAS and MAS and surveyed 6 main things to consider before owning both types of property in Singapore.
17 Jun 2022 • Buying
Prime Location Public Housing: 4 Reasons Why the May 2022 PLH Flats Saw Low BTO Application Rates
The Prime Location Public Housing (PLH) flats launched during the May 2022 HDB BTO exercise in Queenstown and Bukit Merah did not do as well as their predecessors. Here are 4 possible reasons why.
31 May 2022 • Buying
Downpayment for a Condo in Singapore: How Much Do I Have to Pay? (2023)
Making a downpayment for a condo is the first step to make when buying a condo in Singapore. Whether you're buying your first private property or upgrading from an HDB flat, learn how much you need to pay upfront in 2022.
14 Apr 2022 • Your Home Journeys
"We Always Knew We Were Paying More": After 9 Years, This Singaporean Couple Finally Decided to Refinance their HDB Loan
Home loan refinancing came into the picture after talks with Justina and Bernard's close friend went well. It took them 9 years to settle for an HDB refinancing in Singapore.
15 Mar 2022 • Buying
Do Singaporeans Agree with the Latest Property Cooling Measures? How Many Are Affected?
The latest round of property cooling measures on 16 December 2021 came as a shock to many. According to the PropertyGuru Consumer Singapore Consumer Sentiment Study H1 2022, 52% welcomed them. Read on to find out more.
10 Mar 2022 • Buying
Bachelor Pad in Singapore: How to Buy or Rent Your Own Place (2023)
Bachelor pads in Singapore are becoming popular as more young people think of moving out in 2022, thanks to the COVID-19 pandemic. From how to choose a location to how to budget, here's a guide to get you started.
11 Jan 2022 • Home Financing
Singapore Property Cooling Measures (Dec 2021): Is Your In-Principle Approval (IPA) Still Valid?
New Singapore property cooling measures (15 December 2021) lowered the TDSR; hence affecting how much buyers can borrow for their home loans. Read about how the new property curbs affect your in-principle approval, if at all.