Kim Wong 
Paying off the monthly instalments of HDB loans for Build-To-Order (BTO) flats has become easier in the past three years, even though the maximum tenure of these mortgages was reduced from 30 years to 25 years in 2013, reported TODAYonline. According to the Housing Board, the debt servicing ratio (DSR), or the proportion of a … Read more
If you are looking for investments options that have a high return you should consider investing in real estate. Traditionally property investments is a good high return investment. Yes, the prices of investment property can fluctuate down and up in the short term but over the long run you can make a profit. Being the … Read more
Inter-generational arguments over affordability have again become salient in the media. Characterizations of moaning millennials were made by economist Stephen Koukoulas, prompting a response from young writer Osman Faruqi that baby boomers should choke on my soy flat white. Confusion around the severity of housing affordability arises because dwelling prices change daily, yet the institutional … Read more
Many people fail to see that skills fade, but assets are forever. They don’t know their entire financial education in their lives is completely WRONG! Too many people believe that a good job, good skills, and a positive attitude will make them great wealth. The problem is that it just doesn’t work that way. People … Read more
IT has always been clear that it is the responsibility of those in business to register for GST and collect the tax, however, recent guidance released by the authorities could bring private individuals, who would not consider that they are in business, into the mix. Under GST, the sale of commercial buildings and land zoned … Read more
A homeowner who is able to sell a property at the asking price has the potential to reap a profit, but what happens when an individual is having trouble unloading a property? In this case, it might make more sense for the homeowner to keep the home, but rent it out to cover the bills. … Read more
In a previous article, we’ve talked about the pros and cons of purchasing a property in cash versus applying for a home loan. Home loans work the same way as any other loan does. The lender (the bank, as is often the case) charges an amount of interest and the borrower pays the money back … Read more
Real estate purchase options are a form of financing that allows buyers to purchase homes without initially taking title of the property. Although they are used in both strong and weak real estate markets, they tend to be most used when sellers are having difficulty renting or selling, or when purchasers are having difficulty qualifying … Read more
Do you feel like being a property investor? Or perhaps you would just like to buy property knowing you made the right choice. The thought of buying a new house could feel like a daunting undertaking when you’re not entirely sure what to ask and read up on. Seasoned buyers tend to have a very … Read more
What do you do with a property you own that you’re no longer using? Sell it? Or rent it? Here’s a quick and simple rundown on how to decide. Let’s say your house is already paid for and you’re thinking of moving to a new one. What do you do with the property you’re no … Read more
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