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  1. Think about your current mortgage before refinancing

    By: Zeng Han Jun, CPCG, Singapore



    There are many different reasons why home owners want to refinance. Some want to go for a lower interest rate, some want a fixed rate and others want...
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    Mortgage Bankers Vs Mortgage Brokers

    Many consumers assume that “mortgage companies” are banks that lend their own money. In fact, a company that you deal with may be either a mortgage banker or a mortgage broker. So what is the...
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    Sibor, SOR VS Internal Board Rates

    By: Zeng Han Jun, CPCG, Singapore





    Home loans have always been pegged to internal board rates and last year banks started pegging to rates like Sibor and SOR. For your information,...
  4. Top 6 Things to do before buying a property

    By: Zeng Han Jun, CPCG, Singapore





    Buying a property is always a stressful event. Searching for the right property is already a big challenge, not to mention the process of being...
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    Cap Yourself Properly for Protection

    By: Zeng Han Jun, CPCG, Singapore

    Landlords are suffering from the lack of tenants right now. Lists and lists of property advertisements displaying “For Rent” sign bombards every property agencies...
  6. - waive fees and willing to negotiate rates on...

    - waive fees and willing to negotiate rates on case by case basis?

    Banks do waive fees on a case by case basis. That is when your case is large enough. Very often they do not negotiate rates with...
  7. Home Loan Review: May Bank’s Three Years Fixed Package

    By: Zeng Han Jun, CPCG, Singapore



    May Bank’s latest home loan package come as good news to real estate investors amid the gloomy financial market. With most of the banks tuning up on the...
  8. “Do not worry, you can always refinance later.”

    By: Zeng Han Jun, CPCG, Singapore

    For most people, a home purchase can be the largest ticket item of their life. As such, it is important to be particular about it, especially now. Do not be...
  9. A Short Guide to Writing a Hardship Letter for Your Home Loan

    By: Zeng Han Jun, CPCG, Singapore



    When hard time comes around, it is inevitable that some of us might have difficulties maintaining our current cash flow. This might lead to an increase...
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    LOL! Damn funny, but I think J Dog is out of your...

    LOL! Damn funny, but I think J Dog is out of your range bro! LOL
  11. Ever Tried to Use an Offset Mortgage to Decrease Interest Payments?

    By: Zeng Han Jun, CPCG, Singapore

    Offset mortgages have been around for a few years in the Singapore home loan scene and has been relatively popular with people who knows who to make use of such...
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    You are not the only person who are in this...

    You are not the only person who are in this situation. There are others who are facing this problem as well. It is a very delicate situation where you will have to take proactive action else the...
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    I am sure you have more than 3 properties? yeah?...

    I am sure you have more than 3 properties? yeah? otherwise they would not have capped you at 70%
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    *Whistle* There you have it. Good old strategy at...

    *Whistle* There you have it. Good old strategy at play. Never fails. ahlahdin is an old~ hand. LOL
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    Seriously I think the location there is ideal for...

    Seriously I think the location there is ideal for rental strategy in the future. The tenant profiles for that area ranges from university students to foreign white collar workers.

    The university...
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    LOL. Yeah I know it is the obvious, but I think...

    LOL. Yeah I know it is the obvious, but I think they are just trying to put it in a nice way to remind home buyers to buy within their range. I have done some deals where home buyers really stretch...
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    Hey fisher, you speak of future development. What...

    Hey fisher, you speak of future development. What kind of future development will there be around the area? Has anyone studied the blue prints of that area yet?
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    When to refinance your mortgage?

    By: Zeng Han Jun, CPCG, Singapore

    Thinking of getting yourself a whole new home loan? If so, when will it be appropriate to carry out this application? Amid all the uncertainty in the banking...
  19. This interest only scheme is not a new method. It...

    This interest only scheme is not a new method. It has been used by many banks for a long time. Even the HDB has a variant of this scheme. The main purpose of this scheme is to lower the monthly...
  20. Build up your powerful foreclosure investment team

    By: Zeng Han Jun. CPCG, Singapore



    Being a foreclosure investor is a daunting task and requires lots of different skill sets. It becomes even more difficult if you are going into it...
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