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Best Home Loans

What Is A Home Loan?

A home loan is financing service offered by a bank or credit union for the purpose of purchasing or building a property. Such loans are secured against the said property in that the bank holds the title of the house until the mortgage is in effect and reserves the right to sell the property if the borrower fails to make payments.

Careful consideration of loan size, maturity period, interest rate, and monthly installments should be taken into account by the borrower before taking up a new home loan.

If you already have an existing home loan and wish to switch to another home loan or lender without moving home, you may consider the option of refinancing.

How Do Home Loans In Singapore Work?

Banks in Singapore offer two types of home loans; namely fixed interest rate home loan and floating interest rate home loan. Fixed Interest Rate Home Loan:

A fixed interest rate home loan has a predictable monthly repayment schedule throughout the loan tenure as rates are not affected by fluctuations in Board Rates or SIBOR. Interest rates are calculated based on the cost of acquiring the funds to lend to plus an interest premium imposed by the bank.

Floating Interest Rate Home Loan

There are two variants of floating interest rate home loans offered by banks in Singapore; the first being a variable interest rate home loan whereby interest rates are calculated based on the bank’s Board Rate minus a discount stipulated in the Letter of Offer.

The second variant of floating interest rate home loan is one with an interest rate that fluctuates in tandem to changes to the Singapore Interbank Offered Rate (SIBOR). These loans uses a 1 month or 3 months SIBOR rate as a benchmark to determine the final interest rate charged to customers.

Floating interest rate packages are suitable for buyers who want to capitalize on the current low interest rates but also open themselves to the risk that market interest rates may increase in the future.

How To Use A Housing Loan Calculator?

Visit our website at iMoney Singapore and use our home loan calculator to find and compare the best rates for the loan amount you want. Simply enter your desired loan amount and loan tenure and the calculator will furnish you with the best rates in the market, lock-in period, and a breakdown of monthly payments for the first year and following rates in the respected bank pages. With these information, you can make decision as to which bank(s) to apply to as well as adjusting your budget.

What Is The Loan Application Process?

The first step to apply for a home loan in Singapore is to approach a bank to perform your Loan Eligibility Check (AIP) which will give you a clearer idea as to whether you are eligible for a loan.

Upon application, the bank will perform the following due diligence which will determine whether your loan application is approved or rejected:

• Credit assessment check using proof of regular income (can be in the form of Income Tax Notice of Assessment, a latest computerized payslip,or a12-month CPF contribution statement)

• Credit Bureau(Singapore) check. The objective of this check is to determine whether you have a history of good credit card payments, any existing loans, and if you are a discharged bankrupt.

How Do Banks Assess My Eligibility?

In the process to determine whether to approve or reject your loan application, the bank will perform assessments using the following two criteria:

1. Financial Commitment to Income ratio

This ratio is used to evaluate your ability to repay debt obligations by dividing your total monthly debt obligation with your total monthly gross income. As a general rule, your total financial commitment per month must not exceed 60% of your total household income.

2. Loan-to-Value(LTV) ratio

This ratio expresses the ratio of a loan to the value of the property purchased in the form of a percentage. It is affected by several factors such as the loan tenure, age of borrower, and the existence of other outstanding housing loans in the name of the borrower. Generally to the bank, the higher the LTV ratio the riskier it is to lend money to the borrower. In Singapore, the maximum LTV ratio a borrower can possess before his or her loan application is rejected is 80%.

What Else Should I Know about Home Loans?

1. Monthly Installment As a general rule, your monthly long-term repayment commitment must not exceed 40% of your monthly income. 2. Disbursement of Loan

• For completed properties: The loan will generally be disbursed in one lump sum when you take over the property.

• For uncompleted properties: The loan is disbursed in stages depending upon the stage of construction of the property.

3. Loan Tenure Banks usually grant loans up to a maximum tenure of 35 years subject to the condition that you must not exceed the age of 70 years old at the end of the loan tenure. 4. Interest Rate Interest rate on loans vary according to the type of property and the type of home loan package a borrower takes up.

Should I Opt For Refinancing?

Refinancing your home is a good option when interest rates favour the home buyer. By refinancing, you as a borrower can redeem your existing home loan by taking up a new home loan at a lower interest rate.

Before you decide to refinance, it is important to weigh the costs of exiting your existing home loan against the potential benefits of your new loan. Do expect to incur these following fees and penalties when you go for refinancing:

• Prepayment Penalty: A penalty imposed by the bank for settling your home loan in full before the stipulated contract period (i.e. loan tenure).

• Legal Fee: The cost for legal services to draw up property purchase and mortgage documentation.

• Availed Cash Rebate: Recovery of any cash rebates that has granted to you upon taking up your existing home loan.

• Property Valuation Fee: The costs to evaluate the current value of your property to determine the maximum amount you can borrow from refinancing.

• Loan Cancellation Fee: Also known as an exit fee that is imposed by your current bank when you redeem your existing home loan.

• Fire Insurance Policy: When you refinance, you are required to terminate your existing fire insurance policy that is tied to your current home loan and will have to take up a new one with the bank that is providing you with a new home loan.

• The Interest Cost of Refinancing: You are required to give your current bank three months written notice of your intention to fully settle your existing home loan or pay a sum equivalent to three months interest in lieu of such notice.

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The Important Role Played By Personal Loan Givers

If you have had the unfortunate incident of having a leading bank deny you a personal loan , you know how heartbreaking this can be. It gets worse when your credit history is poor and yet you are in the middle of a crisis. There is a reprieve non-bank lenders. These are individuals or medium sized enterprises that operate on the fringes of the banking sector. They are licensed to offer similar services but you may have to pay slightly more. Considering the assistance you will get from such money lenders, they are important people in the industry.

Consider this; you do not qualify to get a personal loan. Banks have turned you away. Don’t you think anyone who comes to your assistance is worth of your consideration? The lenders will ask to see your credit report in order to understand things like bankruptcies, debt payment failures and missed payments. If you opt to present some assets as collateral, they will do an assessment to ascertain whether the assets meet the minimum requirement. Money lenders help you to make sound decisions.

Personal loan lenders also present you with a perfect chance to repair your already dented borrowing image. By borrowing a series of small loans and repaying them, your credit rating starts improving. Before you decide to borrow money, take time to go through the loan’s fee structure. Review all the terms as well as the interest rates. You should compare at least three different lenders. Always insist on being provided with a copy of written borrowing and lending terms. Read them carefully in order to understand what you are getting into. By following this advice, you will never go wrong on borrowing money.

Did you know that some personal loan lenders charge penalties for repaying the loan early? Well, find out if this is going to affect you. It is also wise to inquire whether you can increase the monthly payment once your financial status improves. Work with those lenders who provide clear and accurate details on the loan you are just about to sign for. Money lenders who specialize in unsecured loans serve an important role. So long as you can show commitment, they will be able to get you out of financial misery. Goodwill on your part will see you benefit a lot from personal loans. Always remember to be prompt on your payment. In case you land into difficulties, alert the lender in good time.

Reasons Why You Should Consider Taking a Loan from a Moneylender in Singapore today

There are times in life when no matter how hard you have worked, you are short of cash. Issues such as medical emergencies are a common occurrence requiring the need to acquire a loan from a Singapore moneylender. The economic crisis has led to the increase of money lending institutions so that people receive all the assistance that they need to meet their financial obligations.  That is why moneylenders are quite popular.

Moneylenders can run single or joint enterprises depending on their target customers. As an institution, they are able to offer all kinds of loans to people who earn a salary and even to multinational corporations. This means that the lenders are not biased and offer services to everyone in Singapore.

One of the reasons why a licensed moneylender is very popular in Singapore is because it offers loans in the shortest time possible. You can apply for a loan today and in twenty four hours, receive the money in your bank account. The best thing about moneylenders is the fact that you can apply for the loan on the internet, in the comfort of your home and receive it the next day. Other reasons why these lenders are popular include:

Licensed: Working with a licensed moneylender guarantees you that it is registered with the government and given the mandate to offer financial services to you. Additionally, its services are a guarantee to be professional and can be trusted. It is easy to prove whether moneylenders are licensed as they put the license on top of their website for their clients to see.

Loans for people with bad credit: Most financial institutions do not offer loans to people with bad credit because of their poor credit history. A moneylender is willing to take the risk to assist these people so that they can meet their financial needs and also repay their debts.

Attractive interest rates: Moneylenders offer the best interest rates in the market. The client has the option to choose a moneylender whose interest rates are affordable. You are also able to calculate the amount of money that you will return with the interest on the website. This allows you to know the money that you will return at the end of the credit period.

Flexible repayment periods: A moneylender is always willing to assist clients in becoming financially stable. That is why it offers loans to people taking into considerion the time that they will be comfortable to repay it. This assists the borrowers in planning their finances.

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VoIP or Voice over internet protocol is a term referring to the technology used for making telephone calls through the internet. As it leverages on the power of the internet, VoIP is very Flexible and Versatile. Its potential is almost limitless as it grows along with technology.

Over the years, more and more people are switching over to VoIP. Known for its many benefits and Low Costs, VoIP is especially useful for people who requires having repeated long overseas conversation with a particular number. They can leverage on the 100% free On-Net calls which only VoIP can provide. And this is only one of the many benefits of VoIP!

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Calls can be made to both local and overseas. Below is an illustration of how regular VoIP Calls and Free On-Net Calls are made.

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