♡ Less Thinking ♡ More Living ♡
If you are taking the maximum loan tenure for your home loan, you are looking at a life with debt for at least 25 to 30 years. Some people tend to be anxious about loans, and it can be an invisible weight on their shoulders. Having debt can also be […]
Mortgage loan is the only debt that we have since we paid off our student loans many years back. We are, in a way lucky, that we do not have other loans as we live within our means. We do not have a car, so we do not have any […]
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 […]