FREE Housing Loan Analysis
Fill up the form below for a FREE housing loan analysis. We will contact you within 24 hours (usually sooner)
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Our services are FREE to you as we are compensate separately by the lenders.
Apply For A Housing Loan Singapore Through Us
If you wonder why you will require our services to assist you to get a housing loan Singapore, here is a small introductory list of the value we bring to you
1) Save your hassle of going about getting your Singapore housing loan
Instead of going to all the banks yourself to enquire about your housing loan, we compile all the information for you. You can sit back and go about your daily activities while we handle the hassle of home loan hunting for you.
2) No pressure hard selling of home loans
When you go to a housing loan Singapore lender, they may have only 1 product that they can offer you. So that 1 product will be pushed onto you. When you engage our services, we compile all the suitable Singapore housing loan offers from many banks for you to choose from. You can easily compare all housing loan offers and take your pick.
3) Experience with housing loans in Singapore
You may not have had a lot of experience obtaining housing loans and uncertain of what terms are available and flexible. Imagine buying a car without any free accessories, and a day later found out that a colleague bought the same car at the same price with a lot of freebies. We truly put your interest first when it comes to your best housing loan.
4) FREE service
If you are wondering how you can afford our services, you can relax. We do not charge you any fees. The banks pay us separately. In effect, our value adding services are free to you.
So contact us now for a FREE housing loan Singapore analysis by filling up the contact form on the home page and we will get to you shortly.
Housing Loan Calculator – Making Sense Out Of It
When you are purchasing or refinancing a house, you will inevitably come across a housing loan calculator (also known as mortgage calculator). It is commonly used by mortgage bankers to help illustrate the details of a housing loan for you to more easily understand the whole deal. A proper housing loan calculator will help you plan you personal finances accordingly so that you can repay the housing loan comfortably. It illustrates your payments showing an amortized schedule breakdown.
A proper relevant Singapore housing loan calculator should allow you to input your loan quantum amount, term or tenor, home loan interest rates for at least the initial 5 years. When you key in these figures into the Singapore mortgage calculator, the information you are looking for should then be tabulated in a table for you to scrutinize.
The housing loan calculator can be confusing especially if it is the first time you are trying to make sense of it. These are some of the terms that you should have a better understanding.
Singapore Housing Loan Interest Rates – Know What You Are Paying
Fixed rate and floating rate
Fixed rate housing loans have interest rates that are fixed and guaranteed for the initial few years of the Singapore housing loan. This will be clearly specified in the offer from the bank. After which, the interest rate will float and be benchmarked to a reference rate. Depending on the mortgage lender, the reference rate can be different between different banks.
Things To Think About Before Choosing Your Housing Loan Singapore
As you meet a housing loan Singapore banker or a mortgage broker, there are certain things that you are always asked about.
The most common questions you can expect from them are
“Do you want fixed interest rates or floating interest rates?”
“What is you preferred tenure?”
“Do you prefer SIBOR or SWAP for your Singapore housing loan?”
“How much financing are you looking for?”
“Are you comfortable with lock-in periods?”
These questions when you [Read more →]
6 Steps To Choosing The Best Housing Loan Singapore That Is Right For You
The housing loan Singapore you choose to take up is almost as crucial as the home you choose to buy.
After all, buying a house is the biggest financial commitment in the lifetime of most people. Small differences in housing loan interest rates can appear to be insignificant but can mean thousands of dollars in savings in the long term. There is a number of mortgage lenders in the market. And unless you know of mortgage bankers personally, they might not necessarily always have you best interest in mind. Even worst is if they have little experience and have a hard time convincing the lender’s underwriters to approve a very attractive deal for you. Here are 8 simple steps to take note when you are looking for a home loan in Singapore.
1) Go shopping
What do you do when you want to buy a television set? You shop around! You look for the best deal even when you have decided on a particular brand and model in mind. If you are going to spend time to shop around for the best deal when it comes to your thousand dollar television set, you should definitely shop around for a housing loan Singapore that comes up to hundreds of thousands of dollars. [Read more →]
