♡ Less Thinking ♡ More Living ♡
Recently, home loan interest rates in Singapore have fallen significantly from the peak of 4.x% to the current 2.x% in 2025. Sadly, this drop in interest rate has not translated to a decrease in our home loan interest rate. This leaves us with a dilemma – do we refinance to […]
Recently, we made a decision to make an early prepayment to our home mortgage. It was a very hard decision to make as this payment is irreversible and it also means that we have lesser disposable cash (and CPF) on hand. Ultimately, it is a very difficult choice to make, […]
Any homeowners would know that home loans are the number one killer to deplete our salary and savings. For many of us, we would have 30% / 60% of our salary (maximum cap due to TDSR for HDB / private property) go into servicing the home loan. However, not all […]
The current property outlook is very optimistic. Property prices are rising really really fast and the rental market has been going up non-stop. It would not be surprising if you decide to rent out your property as it is a substantial amount as a passive income if you have any […]
Side Note: We made the decision to buy the Executive Condo (EC) way before Covid hit, and before housing prices got crazy. Buying your first home is a tough decision. The persistent sting in your mind of whether you have made the right selection, the multiple scenarios playing out in […]
A $1 million HDB flat is a rarity in the past. But in recent years, more $1 million HDB transactions have been recorded and reported in the news. In fact, one of the most expensive HDB flats in Singapore fetched a staggering $1.5 million. This leaves me wondering – how […]