♡ 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 […]
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 […]
It has been a long time since we first published the post on EC affordability and since then, there have been many housing policy changes pushed by HDB in tandem with the thriving economy and the higher selling price of the executive condo (EC). Most notably, would be the rise […]
2019 welcome the most anticipated and only EC launch – Piermont Grand at Punggol. In fact, in its launch weekend, it sold over 45% of their units at an average price of $1080psf. Wow, EC breaching the $1000psf range, it’s the first time in EC history. Accordingly to news release […]