What is Total Debt Servicing Ratio (TDSR) and How it Affects Your Home Loan

Total Debt Servicing Ratio (TDSR) is a crucial factor that can either make or break your borrowing dreams. Whether you are financing a property for your own stay

Read More

Credit Report and the Bureau Score: What Are They And How Do They Affect You?

You can’t live a modern financial life without credit. Having access to “credit” is your ability to obtain goods and services before you pay for them, based on

Read More

What Home Loan Do Singaporeans Take to Finance Their Houses

Are you a homeowner in Singapore? If so, there is a high chance that you still carry a mortgage loan. Do you want to know how your fellow

Read More

3 Credit Mistakes You Must Avoid in Retirement Planning

When you think about retirement planning, your focus is always on building your retirement income to secure financial stability for your future. But will you be keeping a

Read More

5 Questions you must ask yourself to Buy or Rent a House

Renting a house was never an option to most Singaporeans. But with the property price falling for nearly 3 years and some signs of recovery, you may start

Read More

5 simple ways to improve your credit score so you can get the loan you want

Are you stuck when you are not able to get the loan you need? Maybe you want to take out a mortgage loan, plan a wedding, apply for a car

Read More

Refinance your home loan before it is too late

If you have a mortgage loan with a bank, you should get worried. Because the mortgage interest you are paying is going to be more than double of what

Read More

What is Sibor and how much is the rate now

In Singapore, most banks use Sibor to determine the interest rate of their home loan packages. Sibor stands for “Singapore Interbank Offered Rate”. It is a daily reference rate based

Read More

5 Factors impacting your mortgage interest rates

By now, you should have known that the era of ultra-easy money is drawing to an end for Singapore mortgage holders. Singapore’s domestic interest rates are rising at their

Read More

How to check your personal credit bureau report in Singapore

Your credit report is more important to you than you think. A few months ago, I wrote a blog article about my encounter with one of the local

Read More