♡ Less Thinking ♡ More Living ♡
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 […]
Continuing our previous post, How Much Can You Receive in Cash and CPF Once You Sell Your HDB?, does anything change if you are above 55 years old? What will happen to your CPF if you sell your HDB? Can you purchase another flat using your CPF once you sell […]