- Buy without an agent
- Decoupling to save on ABSD
- Additional housing loan is possible (beyond income & TDSR)
- Fixed vs Floating interest rate
- Partial repayment to bank
- Pay back CPF
- Reits as an investment
The 1st tip is probably controversial. You gain an advantage when you don’t use a property agent!
Because of the way agents’ commission is being awarded, seller agent has to share the commission with buyer agent. But who would want to share a pot of gold?
Advocating for no middleman
There’s nothing to be afraid of.
RECOMMENDS ❤️ Standard Chartered
My home mortgage is from Standard Chartered Bank and I highly recommend them because they are cheap and good. They are a all-rounded bank with good culture/service/experience.
I am NOT sponsored to praise them.
If you are going to take a bank loan with SCB, do use my name “Ong Jun Da” for me to earn 0.12% referral fees, or we can split :)
If you can become a Priority customer (have more than $200,000 in the bank), please allow me to refer you too :)
Get in touch with me.
RECOMMENDS ❤️ PKWA
The conveyancing law firm I used is one of the biggest in Singapore, conveniently located in Toa Payoh Hub, and their pricing is the cheapest – Nett $2,675.
Their panel includes SCB, and probably every bank in Singapore.