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What is the difference between estate in fee simple and estate in perpetuity?

Estate in fee simple offers absolute ownership with no payments beyond property tax. An estate in perpetuity (Statutory Land Grant) also provides freehold ownership but includes conditions under the State Lands Act, potentially involving ongoing obligations beyond annual property tax.
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Can foreigners buy if the property follows HDB rules

No, foreigners are not eligible to purchase HDB flats. They may buy Executive Condominiums from the 11th year onward.
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Why are some developments with land sizes over 0.4 hectares still classified as apartments?

Some larger sites remain classified as apartments if they do not meet all condominium requirements, such as being purely apartment units or meeting specific design and coverage guidelines. Factors like mixed strata landed units or noncompliance with certain regulations can cause them to retain the apartment classification.
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Do I need to pay back HDB grants

When selling your house, you must refund the grant amount plus 2.5% annual interest to your CPF account. The first $60,000 is credited to your CPF OA, with the remainder split between your CPF Special/Retirement and Medisave Accounts.
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What if I am able to get another single, unmarried friend to apply for a flat with me in Singapore?

The Joint Singles Scheme allows 2 to 4 single citizens to jointly buy an HDB flat. Unmarried or divorced singles must be at least 35 years old, while widowed persons or orphans must be at least 21. Only 2-room BTO units in non-mature estates are available for new flats.
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Should I get a cheaper, older flat or apply for a newer studio flat in Singapore as a 33-year-old single earning $3.5k SGD monthly with no CPF, while waiting to move out at age 35 or for the single scheme minimum age to be lowered, or until I get married?

You must be at least 35 to apply alone for a new 2-room BTO or a resale flat under the Single Singapore Citizen Scheme. At 33, you need to form a valid family nucleus to apply. If single, you must wait until 35 or consider marriage to be eligible.
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What is the safest entry for Singapore real estate

The safest entry into Singapore real estate involves buying well-located residential properties with strong fundamentals such as proximity to MRT stations, reputable schools, and amenities. Key factors include purchasing below market value, focusing on growth potential, considering developer reputation, and ensuring property liquidity.
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What if it’s a Dependant Pass holder

A Dependant's Pass holder can rent an entire HDB flat if the pass is valid for at least six months. The landlord or salesperson must verify the pass's validity by checking the original pass, cross-referencing with the passport, and possibly contacting the Immigration & Checkpoints Authority or Ministry of Manpower.
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Can PR get resale HDB

Singapore Permanent Residents can buy resale HDB flats if all owners have held PR status for at least 3 years and form a family nucleus with at least one PR occupant or a Singapore Citizen.
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How are smart homeowners in Singapore rethinking their mortgage strategy as interest rates fall

Smart homeowners in Singapore are actively reassessing their mortgage strategies as interest rates decline. Many are seizing the opportunity to refinance existing home loans, switching from higher-rate packages to new loans offering lower fixed rates. For instance, fixed mortgage packages have consistently fallen in recent months, significantly reducing monthly repayments for those who refinance. Some homeowners are opting for shorter lock-in periods to maintain flexibility in an evolving rate environment, while others are choosing between fixed and floating-rate packages based on their risk appetite and financial goals. This environment also encourages borrowers to review loan conditions, such as prepayment penalties and administrative costs, to ensure net savings after refinancing. Ultimately, the ability to capitalise on falling rates requires homeowners to stay informed about market trends and rapidly changing mortgage offers, using tools that compare current interest rates and forecast further movements. By proactively reviewing and adjusting their mortgage arrangements, these homeowners are positioning themselves to reduce long-term interest costs and enhance financial resilience.Grateful for your trust in EdgeProp Buddy. While I'm here to help, I'm still in Beta mode. Please consider consulting a real estate expert for comprehensive guidance.
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