Compare best home loan rates with Cashew (sponsor) https://kvli.link/cashew Join my Telegram https://t.me/kelvinvest 0:00 – Intro 1:08 – How much can you save by switching over? 2:30 – Cashew shoutout! 3:30 – Will rates go back up? 5:36 – Should you refinance from an HDB loan to a bank loan? None of this is meant […] The post Mortgage Rates Are VERY LOW Now. Should You Refinance HDB To Bank Loan?! first appeared on TheFinance.sg.

You may have seen advertisements claiming that HDB owners can upgrade to a condominium or private property without using any of their savings. Naturally, a few questions come to mind: Is this actually possible? Or is it just clever marketing? And if it’s real, could you qualify? The honest answer is this: yes, it is possible. […] The post Can You Really Afford to Upgrade to a Private Property? Here’s What You Need to Know first appeared on TheFinance.sg.

As 2025 draws to a close, the new launch market can look forward to a bit of a breather – at least for the buyers’ side of the market. The private residential market appears to be entering a more measured phase after two consecutive years of rising prices. Even though we have fewer GLS sites […] The post 4 Key Trends Reshaping Singapore’s New Launch Condo Market In 2026 first appeared on TheFinance.sg.

Thinking of taking a bank loan for your HDB flat, but not quite sure if it’s actually the smarter move compared to an HDB loan? You’re definitely not alone. I’ve seen plenty of first-time buyers and even upgraders go down the same rabbit hole of interest rate tables, “promo” packages, and advice that sounds confident […] The post 11 Pros & Cons of Choosing a HDB Bank Loan first appeared on TheFinance.sg.

Becoming a homeowner is one of those milestones that can be very different for each person. For some, it’s a moment of relief at finally being free from landlords or meeting social expectations. For others, it’s a mild panic when they see the first mortgage repayment turn up and realise this is going to be […] The post Why More Land Doesn’t Automatically Fix Housing In Singapore first appeared on TheFinance.sg.

Becoming a homeowner is one of those milestones that can be very different for each person. For some, it’s a moment of relief at finally being free from landlords or meeting social expectations. For others, it’s a mild panic when they see the first mortgage repayment turn up and realise this is going to be […] The post What I Only Learned After My First Year Of Homeownership In Singapore first appeared on TheFinance.sg.

Last week, we searched for the cheapest 5-room flats in Singapore. This week we’re following up with the cheapest 4-room flats we could find instead. These units don’t just stand out not just for their pricing, but for reasons like nearby amenities, public transport access, and layout.  If you’re prioritising space and location over newness, […] The post Here Are The Cheapest 4-Room HDB Flats in Central Singapore You Can Still Buy From $490K first appeared on TheFinance.sg.

Dear fellow NAVIS elites, Are you consistently presenting to prospects but struggling to close?Do you feel confident in your product knowledge, market insights, and financial analysis—yet still fall short when it comes to conversion? Have you ever wondered why some agents, who seem less knowledgeable, are closing far more deals than you? If this sounds […] The post Presenting Often but Not Closing Deals? This Is for You. first appeared on TheFinance.sg.

After more than 15 years of training and leading high-performing real estate professionals, certain patterns consistently emerge among agents who produce results year after year. These habits are not just useful for property agents—they offer practical lessons that can be applied to life and business in general. Interestingly, top agents are not always the smoothest […] The post 5 Habits of Top-Producing Real Estate Agents first appeared on TheFinance.sg.

If you’re not comparing apples with apples, then you might be missing the point. When evaluating property investments, one concept that investors often misunderstand — or overlook entirely — is the difference between ROI (Return on Investment) and ROE (Return on Equity). Understanding this distinction is crucial because property is one of the few asset classes […] The post ROE vs ROI: A Critical Concept Many Property Investors Miss first appeared on TheFinance.sg.