Zeng Jun
Zeng Jun
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Being alert to the terms and conditions of your existing home loan can prevent nasty consequences to you in the future when you refinance.
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Choosing a house to buy is easy. The difficulty lies in getting approval for your housing loan application.
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By extending loans to the SME industry, it will create a beneficial cycle in the economy and eventually the one who gives out the loan will benefit.
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I feel it is an extremely crucial period for Singaporeans to stand together during this economic slowdown so we can pull through it together. This is a better move compared to pointing fingers at somebody or even feeling depressed about it.
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No analyst, investment banker, consultant or even a fortune teller will be able to tell you when prices have hit bottom. You can start buying now, so as not to miss the opportunity...
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Take care of your debts and your debts will take care of you
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A bank only lends you money when you do not need it.
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It may be a good idea to get some equity out from your property for some renovation or to fund that investment idea. Using equity from your property is much cheaper than other types of credit facilities...
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The interest rates are at its lowest point now because of the economic turmoil. People in the market are going for floating housing loans because the combination of both the teaser rate and low interest rate, result in initial rates that are irresistible. I advise against you against that ...
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The good thing about working with a mortgage consultant, is that you get to shop for your home loan at a comfortable pace with him or her advising and guiding you along the way. Some more, you know you are going to end up with the best product in the end.
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A good measure of debts can help you in achieving your goals. However, an over dosage can produce nasty problems in the future...
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Analyze your property investment properly before you invest. Remember that it is not just about the valuation that determines the price. The credit facility that you use to finance your investment plays a large part as well...
earn relative spend
It is never about how much you earn. It is how much you spend relative to how much you earn that matters.
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If you are lagging behind in your housing loan payments due to some financial reasons, do not avoid the problem and call up your bank to negotiate the payment terms...