To maximize returns on a property investment in Singapore, consider prime locations like Marina Bay, Orchard Road, and Tanjong Pagar. Look for emerging neighborhoods undergoing development. Invest in smaller units for higher rental yields, or in suburban properties for lower prices and good returns. Use tools like EdgeProp app for better insights.

If you are going through a divorce, you can sell the flat after the requisite minimum occupation period has been fulfilled and you meet all eligibility conditions for resale. You will need to produce specific documents such as the Interim Judgment and Certificate of Making Interim Judgment Final, or the Divorce Certificate (for Muslims), and any Court Order if applicable.

Best of luck with your sale!

You can sell your flat during divorce after meeting the minimum occupation period and eligibility requirements, provided you have the necessary divorce documents and any relevant court orders.

if i’m going through divorce do i need to wait till final judgment then can sell house or anytime can sell

If I'm going through a divorce, do I need to wait until the final judgment to sell the house, or can I sell it anytime

The interest rate for mortgages can vary. For residential properties, the medium-term interest rate is 3.5%, while for non-residential properties, it is 4.5% or the prevailing interest rate, whichever is higher. 

For HDB housing loans, the interest rate is pegged at 0.1% above the CPF Ordinary account interest rate and is revised quarterly in January, April, July, and October. 

Mortgage interest rates can be fixed, flexible, or a combination of both over the loan duration.

I hope this helps!

HDB housing loan interest rate is 0.10% above the current CPF OA rate, and may be adjusted quarterly in January, April, July, and October based on changes to CPF interest rates.

The loan-to-value (LTV) ratio determines the maximum amount an individual can borrow from a financial institution for a housing loan.

0 Outstanding housing loans:
<li>LTV Limit: 75% or 55%</li>

1 Outstanding housing loan:
<li>LTV Limit: 45% or 25%</li>

2 Outstanding housing loans:
<li>LTV Limit: 35% or 15%</li>

Apply the lower LTV limit if the loan tenure exceeds 30 years, or if the loan period extends beyond the borrower’s age of 65 years.

 
Calculating Age for Joint Borrowers
For joint borrowers, use their income-weighted average age as their present age. 
Example:
Mr. Tan is 60 years old and has a gross monthly income of $8,000. His son Alvin is 30 years old with a gross monthly income of $10,000.
Their income weighted average age is:
(60*$8,000 / ($8,000 + $10,000)) + (30*$10,000 / ($8,000 + $10,000)) 
= 26.67 + 16.67 
= 43.34

I hope this helps!

Summarizes LTV limits based on number of outstanding housing loans: 75%/55% (0 loans), 45%/25% (1 loan), 35%/15% (2 loans); lower limits apply if tenure >30 years or past age 65. Joint borrowers use income-weighted average age. Click for more.

The Progressive Payment Scheme applies to private new launch condo properties that are still under construction. Under the scheme, the buyer pays by installments, with each payment being made when a specific milestone is reached.

You can calculate a typical breakdown with EdgeProp’s <a href="https://get.edgeprop.sg/progressive-payment/" target="_blank">progressive payment calculator</a>.

The Progressive Payment Scheme lets buyers pay for new launch condos in stages, with each payment due when a construction milestone is achieved.

What is the progressive payment for a new condo

No, a family cannot apply for a 3rd BTO flat from HDB. You must not have enjoyed more than 1 housing subsidy, such as buying a flat from HDB, a resale flat with a CPF housing grant, a DBSS flat from a developer, an Executive Condo (EC) from a developer, or other forms of housing subsidy like SERS.

I hope this helps!

Families cannot apply for a 3rd BTO flat from HDB if they have already received more than one housing subsidy or purchased subsidized properties like BTOs, ECs, or DBSS flats.

can a family apply for a 3rd bto flat from hdb

Can a family apply for a 3rd BTO flat from HDB

Discover the various types of ABSD remission available:

1. **Joint Purchase Made by a Married Couple who does Not Own any Residential Property**:
   - A married couple with at least one Singapore Citizen (SC) spouse jointly purchasing a residential property, where both spouses do not own any residential property at the time of purchase, can apply for full ABSD remission.

2. **Joint Purchase of Second Residential Property by a Married Couple**:
   - A married couple with at least one SC spouse is eligible for ABSD refund on their second property if they sell their first property within 6 months after the date of purchase/TOP/CSC, whichever is applicable.

These remissions provide significant financial relief for eligible married couples.

ABSD remission types include: (1) full remission for married couples (with at least one SC) jointly purchasing their first home; (2) refund for married couples (with at least one SC) upgrading if they sell the first property within 6 months.

What are the different ABSD remission types

Buying 21 Sunrise Drive for $3.8 million depends on several factors: its location in Seletar Hills Estate with access to amenities, positive market trends for landed properties in District 19, the 5-bedroom house size, strong demand amidst price increases, and your personal needs and budget. Consulting a real estate expert is recommended.

is it worth it to buy  21 sunrise drive at 3.8 million?

Is it worth buying 21 Sunrise Drive at $3.8 million

EdgeProp LandLens is a tool by EdgeProp Singapore that helps users make better property decisions using data analytics. It provides detailed analysis and insights to understand market trends, property values, and other key factors in Singapore's real estate sector, enhancing decision-making.

To identify condos with growth potential in Singapore, consider factors such as district analysis, en bloc potential, market trends, proximity to upcoming infrastructure, and properties listed below market value using tools on EdgeProp Singapore.

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If I'm going through a divorce, do I need to wait until the final judgment to sell the house, or can I sell it anytime

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