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50 years Home Loan, does it make sense? What are the pitfalls?

Written by Dennis Ng on .

As a Home Buyer, should you take a 50 year Housing Loan? As an Investor, would a 50 year loan period make sense to you?

As usual, I gave them so much more information yet they only published a fraction of what I provided.

The lady (home loan customer) in Channel News Asia yesterday is our customer and seminar graduate Serene Loong, ironically, her time on TV is much more than me...and they only telecast 1 sentence of the many things I worry is that what I want to warn the public was not given chance to be aired...and home buyers might take up 50 years loan without much thinking of the possible consequences.

We have probably reached the Peak in Singapore Property Market...

Written by Dennis Ng on .

What goes up typically eventually need to come down. I think we have more or less reached the Peak in Singapore property market, in terms of number of New private homes sold and the prices as well.

I look at the profile of buyers of the Red Hot New projects in suburbs, they are mainly first time home buyers, upgraders and First Time Investors. The very telling sign is the Absence of Seasoned and Experienced Property Investors...they have stopped buying property since Jan 2011...

Get Smart on Property Financing

Written by Dennis Ng on .

Business Times Property Supplement Year 2012
Published February 23, 2012


JUST mention 'property financing' and some people start to get a headache, especially those who do not like to look at or crunch numbers. Fret not, we share with you some tips in this article that will help you get savvy on property financing, including the latest rules and finer details.

Property cooling measures - how do they affect your housing loan?

If you have an existing housing loan, for the next property you purchase, you can get a maximum of only 60 per cent financing, which means you will need to come up with at least 40 per cent of the purchase price yourself including at least 10 per cent cash.