Stories By: Dollars And Sense (231 Articles Found)

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Interest rates are at an all-time low: \Is 2021 the best time to buy a condominium in Singapore?

On the lowest home loan packages offered in Singapore currently, first-year interest rates can go as low as under 1%. This is about the lowest it has ever been. While interest rates were actually on the rise in…

Is now a good or bad time to buy hospitality and office REITs?

With Singapore reverting to a “Phase 2 (Heightened Alert)” to curb the spread of COVID-19, the office and hospitality REITs look to be some of the biggest losers in the stock market. As of this article’s writing, the…

REITs report card 2021: How Singapore Reits performed in 1st quarter 2021

With access to properties and relatively good yields, Singapore investors enjoy investing in REITs. Given that the low-interest-rate environment is here to stay, REITs continue to be able to refinance their debt at attractive levels. The one thing…

May 2021 HDB BTO sales launch: Location guide – Bukit Merah, Geylang, Tengah, Woodlands

Every year, HDB releases 4 BTO sales launches. May is the second HDB BTO sales launch this year. For couples and families looking for affordable housing, BTO flat prices are looking even more attractive amidst the soaring resale…

Second-timer HDB buyers: What are the grants and subsidies available for your second HDB flat?

With HDB prices inching up every quarter, perhaps you are thinking about selling your first HDB flat and then upgrading or rightsizing to a second HDB flat. While there are plenty of guides for first-time HDB buyers, few…

Avoiding Greenwashing in sustainable investing

Sustainable investing—the strategy and practice of incorporating ESG factors in investment decisions—is on the rise, but it is not as simple as it seems to be. There are concerns that unscrupulous companies and fund managers are deceptively trumpeting…

2021 HDB Rental Guide: Where are the most expensive and cheapest estates in Singapore to rent a HDB flat?

For the 43,000 households affected by BTO project delays as well as everyone who is chafing at the lack of space at home, renting could be an option worth considering. HDB rent prices have been on a rise,…

Non-mature vs mature HDB estates: What’s really the difference?

About the only time we come across the terms “mature” or “non-mature” HDB towns or estates is when we want to buy a BTO flat. This is when we see which estates are being offered, as well as…

MOS Burger at One Fullerton: Why do brands like MOS Burger have different F&B outlet concepts

Launched in Jan 2021, MOS Burger at One Fullerton is the latest outlet (48th) opened by the Japanese fast food conglomerate in Singapore. Ever since the first outlet opening at Isetan Scotts in 1993, MOS Burger has expanded…

What is the average salary in Singapore and the flat sizes you can afford in the different estates in Singapore

It can be said that the Singaporean dream is own a property (or more properties if you already own one). In a time of rising property prices, the question becomes: what property can an average Singaporean afford? Using…

Neighbourhood estate guide: Could Kallang Be the best estate in Singapore to live in?

Located in the South-eastern of the Island, Kallang and Whampoa HDB Town, is home to around 105,200 HDB residents and 39,391 HDB units, giving it an average household size of 2.67; making it well below the national average…

A step-by-step guide to using HDB’s flat portal to find your perfect BTO flat

Launched in 2021, the HDB Flat Portal is an integrated platform that aims to ease the process of planning for the purchase or sale of an HDB flat. Currently, budgeting solutions are provided on the platform through three…

Complete cost guide to renting an HDB flat in Singapore

According to PG’s Consumer Sentiment Study H1 2021, 72% of Millennials are thinking of moving out by the next year. However, purchasing a property in Singapore is expensive and the only other way to have a place to…

Why ESG investing should matter To Singaporeans

Sustainable investing, or ESG investing, is an important and positive trend that will lead to a better future for humanity. For far too long, a company’s net negative impact on the world didn’t matter as it was focused…

Should you choose the HDB’s Optional Component Scheme (OCS) when you buy a BTO flat?

The process of buying our BTO (or any home) is strewn with a lot of decisions that we have to carefully consider. In this article, we will cover just one of the decisions – whether we should choose…

Management Fund vs Sinking Fund: A guide for strata property owners

Owning property in Singapore is more than servicing your property loan and paying your property tax. There are institutionalised monthly fees to be paid for maintenance and up-keep of estates and communal spaces for strata property owners. These…

HDB Contra Facility and Enhanced Contra Facility: How you can use it to buy your second HDB flat

While we spend a lot of time talking (and writing) about how to buy your first home, the discussion on how to buy your second home is more muted. There is a multitude of reasons why your first…

HDB price guide: 5 cheapest HDB estates for 2021

Even in a time of rising property prices, when HDB resale flat prices are hitting a 8-year high in 2020, the price increase has not been equal across the different estates across the island. There are still affordable…

S-REIT report card: Here’s how Singapore REITs performed in 2020

2020 was a precarious year for property owners. Globally, travel has grinded to a halt, impacting hospitality properties. Even Retail, office and industrial properties have been affected to varying degrees, given the strict COVID-19 mgmt measures. We already…

Community Care Apartment: Does it make financial sense?

For the Feb 2021 BTO Launch, HDB released the first Community Care Apartments (CCAs), Singapore’s first assisted living public housing development which integrates senior-friendly design features with care services and social programmes. This received a warm reception from…

Parenthood Provisional Housing Scheme (PPHS): Does it make financial sense to rent from HDB while waiting for your BTO flat

Due to the manpower crunch and construction delays caused by the impact of COVID-19 and the circuit breaker in 2020, more BTO projects are being deferred and new BTO projects have extended their timelines for the delivery possession…

HDB price guide: 5 most expensive HDB estates in 2020

With headlines proclaiming that HDB resale prices hitting a 8-year high in 2020 and private property prices increasing by 2.2%, Singaporeans’ interest in property is undoubtedly on the rise in spite of the COVID-19 pandemic. In fact, the…

Here’s the the salary you need to earn to afford these homes in Singapore [2021 edition]

Buying a home in Singapore is expensive. In fact, according to CBRE’s Global Living Report, Singapore is the 3rd most expensive residential property market in the world. For many people in Singapore, buying our home will be the…

HDB Fresh Start housing scheme: Does it make financial sense for people staying in public rental flats to buy their own 2-room flat?

In this article, we examine one of HDB’s housing schemes, the Fresh Start Housing Scheme, which is meant to uplift second-timer households who are living in public rental flats and assist them to own their own homes. Recognising…

New launch or resale condo: Five factors to consider before buying a private property

1) Affordability – It’s imperative that you perform detailed calculations of your finances, set a budget, determine how much you need for your cash outlay, and the home loan options available. The main costs you need to take…

REITs ETFs vs Unit Trusts vs Syfe REIT+: Which REITs investing method should beginners choose?

1) REITs ETFs – Allow investors to invest in public-listed REITs according to an index. In Singapore, there are 3 REITs ETFs listed on SGX. The key advantage that it merges the advantages of an index fund with…

Complete guide to HDB’s Optional Components Scheme (OCS)

If you have successfully balloted for a BTO flat, congratulations! Now, the hard work of getting your new flat is just beginning. Aside from preparing the necessary documents including the HLE if you intend to take an HDB…

How much would Singapore investors have made if they invested $1,000 in every REIT ETF since their listing?

While residential properties have remained resilient in 2020 with resale prices rising for both HDB and condominiums, REITs have taken a pummelling this year. With a crash of close to 35% at the lowest point in mid-Mar 2020,…

5 things to know about HDB Community Care Apartments

1) Community Care Apartments (CCAs) are move-in ready with built-in senior-friendly designs – Features such as an easy to slide partition separating the living and bedroom spaces and a bench at the main door for putting on shoes…

8 housing estates that have HDB flats more than $1 million

An HDB estate that needs no introduction, Pinnacle@Duxton unsurprisingly has the highest number of resale flats above $1 million. Centrally located in Tanjong Pagar with stands out from its run-of-the-mill HDB siblings with award-winning design and condominium-like features…

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